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New fees and terms and conditions for personal payment products

From 1 January 2024

As of 1 January 2024, the fees and the terms and conditions for our payment products for personal clients will change. Read on to find out more about the changes.

Payment product fees

Current fee Fee as of 1 January 2024
Basic Payment Package* €2.95 per month €3.25 per month
First separate current account (if you don’t have a payment package) €2.95 per month €3.25 per month
Additional current account €1.40 per month €1.75 per month
First debit card (if you don’t have a payment package) and/or additional debit card €1.40 per month €1.50 per month
ABN AMRO Credit Card €1.70 per month €2.05 per month
ABN AMRO Gold Card €3.90 per month €4.25 per month
Replacement debit card (free if your current card has expired) €7.50 per card €5.00 per card

*The Basic Payment Package includes a current account, debit card and online banking. The Basic Payment Package is cheaper than a separate current account with a debit card. If you have a separate current account, you can optionally switch to a Basic Payment Package.

The fee for an additional debit card will cost €1.50. If you have a Basic Payment Package with two debit cards, it will cost €4.75 per month as of 1 January 2024. The current fee is €4.35.

Also take a look at the complete list of fees for personal payment products.

New payment terms and conditions from 1 January 2024

Debit card with Mastercard logo
In 2024, we will start issuing new debit cards with Mastercard logo, with which you can easily pay online and make payments and withdraw cash worldwide. You will receive this debit card when your old debit card expires or is replaced for another reason. When that time comes, we will send you a letter containing an explanation of the features of the new debit card. Find out more about the revamped debit card with Mastercard logo.

Updated terms and conditions for the Stand-By Service
We have updated the terms and conditions for the Stand-by Service and made them easier to read and understand. Find out more about the Stand-By Service.

Paying online with iDEAL
You can make online payments with iDEAL on websites and via mobile applications (apps) that accept iDEAL as a payment option. Find out more about iDEAL payments.

Conditions Young Persons Package
The conditions surrounding unauthorised overdraft on the Youth Growth Account have been updated.

Surcharge for current accounts outside European Netherlands
For clients who live outside the Netherlands or in the Caribbean Netherlands (the ‘BES islands’), the costs we as a bank have to incur are higher on average. We pass on a portion of these higher costs in our fees. The amount of the surcharge depends on the risk profile of the country where you live, which we reassess each year. Given that the situation in certain countries has changed, we have placed these countries in a different risk category, with a different surcharge. The risk category for the following countries will change on 1 January 2024:
  • Aruba
  • Brunei Darussalam
  • Hong Kong
  • Nauru
  • Peru
  • Puerto Rico
Check the country overview (as of 1 January 2024) to see a list of countries, risk categories and associated fees.
Take a look at all the terms and conditions
Read the terms and conditions that apply from 1 January 2024:

Fee for paper account statements

Current fee Fee as of 1 January 2024
Monthly* €0.75 per month €1.25 per month
Two-weekly* €1.50 per month €2.00 per month
Weekly €3.00 per month €3.50 per month
Daily €7.50 per month €8.00 per month

*If you were born before 1 January 1945, you will not be charged a fee for these products.

Cancel or adjust frequency
You can always cancel the printed account statements or adjust the frequency. Do you want to see your account statements anytime, anywhere? Download them for free via online banking.

Why are the fees changing?

At ABN AMRO, there are lots of ways to arrange your daily banking easily, securely and quickly. These options include simply scanning a QR code to make an iDEAL payment and paying and withdrawing money using your phone. Through these and other innovations, we make banking easier, faster and more secure. We also invest a great deal of time and money in combating financial crime.

At the same time, we want to make sure that banking remains accessible to all our clients. If you’re unsure what to do, we’re always close by and ready to help: you can talk to us via chat or call us right from the app. And you can also take advantage of our personal services, like a ‘financial future’ talk. These investments in our services and in secure banking result in higher fees for our payment services.

Behind the scenes

Did you know that a debit card has become increasingly smarter over the years? And did you know that thousands of people work at ABN AMRO every day to keep payment transactions secure? Now take a behind-the-scenes look at your bank account.


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

Frequently Asked Questions

Our fees will change on 1 January 2024. The new fees will be debited from your current account for the first time in the third week of January 2024.

The new fee for paper account statements and a replacement debit card will also come into effect on 1 January 2024 and will be debited from your account in arrears for the first time in the third week of February 2024.

If you want to close your current account, we are of course sorry to hear that, but we will be happy to help you make the necessary arrangements.

Find out how to  close your current account .