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Adjusted fees and terms and conditions of the current account

As of 1 July 2022

The fees and terms and conditions for our personal payment products will change as of 1 July 2022. As of 1 October 2022, the savings card will be cancelled. At the same time, we will increase the limit for free cash withdrawals. The changes are listed below.

Payment fees

Current fee Fee from 1 July 2022
Basic Payment Package €1.95 per month €2.95 per month
First current account (without package) €1.94 per month €2.95 per month
First debit card (without package) €1.58 per month €1.40 per month

*Do you have a separate current account and would you like a package? You can switch to a Basic Payment Package here.

The fee for an additional debit card remains at €1.40. If you have a Basic Payment Package with two debit cards, it will cost €4.35 per month as of 1 July 2022. The current fee is €3.35.

View the fees for all our personal products.

Payment terms and conditions as of 1 July 2022:

The limit of withdrawing cash free of charge has changed
As of 1 January 2022, the limit for withdrawing cash (notes and coins) free of charge changed from €12,000 to €17,500 per year. This allows you to withdraw more money without incurring costs. The €17,500 threshold applies per account holder, not per debit card or current account. If you have several accounts, the withdrawals from all your accounts will be added together. In this context, withdrawals from a joint account will be assigned to the account holders in equal shares. The €17,500 threshold applies to all cash withdrawals of coins and notes (including foreign currency) at the Netherlands and abroad. When you make any withdrawals in foreign currency, the equivalent value in euros will be added. If your cash withdrawals exceed €17,500 per year, a fee of €5 per transaction plus 0.5% of the amount withdrawn will be calculated. Different thresholds apply for students and young people.
The effective date of the new threshold was 1 January 2022, but the € 17,500 limit took effect on 1 April 2022. This means that if you were already charged in the months of January, February or March 2022, the overpayment will be refunded to your account. This concerns only the costs you have paid for withdrawals between € 12,000 and € 17,500.  The overpayment will be refunded in around the third week of May. 
Please note that you always have to pay € 0.30 per roll for withdrawing coin rolls with a minimum of ten rolls at a time (and a maximum of 20). The total amount of your coin withdrawals counts towards the € 17,500 threshold. 
Non-resident surcharge for current accounts
Do you live outside the Netherlands and have a current account? For clients who do not live in the Netherlands or in a special municipality (BES islands), the costs we incur as a bank are higher on average. Some of these costs are charged as an additional fee for your current account. The amount of the surcharge depends on the risk profile of your country of residence. Every year, we reassess the risks for each country. The situation in a number of countries has changed, and those countries have therefore been assigned a different risk profile and a different surcharge. The risk profile for the following countries will change as of 1 July 2022:
  • United Kingdom
  • Costa Rica
  • Jordan
  • Bhutan
  • Kiribati
  • Palau
  • Man
  • Antigua and Barbuda
For a list of countries, risk categories, and the associated fees, take a look at the country overview as of 1 July 2022 .
Validity period passive Wearable
A passive Wearable has a validity of 3 years. This is described in the Wearables Terms and Conditions. From 1 July 2022, this is also stated in the Consumer Payment Services Conditions, see Article 3.3.
Contactless payment limit increased
If a client's debit card and the payment terminal display the contactless payment logo, the client can make a payment without needing to enter their PIN code. Contactless payments have a limit of €50 per payment. This used to be €25. In Article 11.2 of the Consumer Payment Services Conditions, you can find out more about paying by debit card without entering a PIN code.
View the new terms and conditions: 

Your savings card will expire on 1 October 2022

As of 1 October 2022, the savings card will be discontinued and will expire. You will no longer be able to use the savings card to withdraw cash or log into Internet Banking as of that date. You will be able to continue doing your banking using your debit card.

Why are the fees changing?

At ABN AMRO, there are lots of ways to arrange your day-to-day banking easily, securely and quickly. These options include simply scanning a QR code in order to make iDEAL payments and paying and withdrawing money using your phone. Our Grip app also gives you insights into your income and expenses. Through these innovations, we make banking easier, faster and more secure. We also invest a lot of time and money in combating financial crime. Some of these costs are covered by the new fees.


If you have any questions, you can always contact us . We're here to help.

Frequently Asked Questions

The changes to the payment fees will take effect as of 1 July 2022. The new fees will be debited from your current account for the first time in the third week of July 2022. 

The new fees for cash withdrawals will (if applicable) be debited for the first time in August 2022. If you withdraw or deposit cash in a specific month, the fees will be determined at the end of the month and will be debited from your current account during the following month (if applicable).

Fees may apply for withdrawing and depositing cash. View the fees for withdrawing and depositing cash in the Netherlands and abroad.

Do you want to close your current account? We're sorry to hear that, but we will be happy to help you arrange this.

Find out how to  close your current account .