New fees and terms and conditions for personal payment products

From 1 January 2026

As of 1 January 2026, the fees and terms and conditions for our payment products for consumer clients will change. We are doing this to ensure that you can continue banking securely and easily, with personal help and advice whenever you need it, and with the latest payment methods, apps and features.

Payment product fees

Package or creditcard	Current fee (per month)	Fee as of 1 January 2026 (per month)
Basic Payment Package	€3.70	€4.30
First separate current account (without payment package*)	€3.70	€4.30
ABN AMRO Credit Card	€2.15	€2.55
Studenten Credit Card	€1.16	€1.31

*The Basic Payment Package includes a current account, debit card and access to the ABN AMRO app and Internet Banking. Clients usually pay less for this package than for individual products. Read more about the benefits of a Basic Payment Package.

Also take a look at the complete list of fees for personal payment products. Do you have a joint account with two debit cards? The fee as of 1 January 2026 will be €5.80 (€4.30 + €1.50 for an additional debit card).

New terms and conditions from 1 January 2026

Read the new terms and conditions that apply from 1 January 2026:

Part 2 of the General Terms and Conditions of ABN AMRO Bank N.V. has been revised and rewritten in simpler language. New articles have been added on combating money laundering, promoting sustainability, and force majeure. Furthermore, Internet Banking (with or without the app) has been set as a standard communication channel.

Change to the terms and conditions for a Student Package

The terms and conditions for our Student Package will change on 1 January 2026. As of that date, you will be eligible for a free student account if you are actively studying and between the ages of 18 and 25. The account is currently for students aged between 16 and 30, for a maximum of 7 years. What does this mean exactly?

If you’re currently aged 25 or older, from January 2026 you will have a Basic Payment Package, for which you’ll pay a monthly fee.
If you turn 25 in 2026, you will be switched to a Basic Payment Package in the month following your birthday.
If you’re currently 16 or 17 years old, you will keep your Student Package until you turn 25.

Your account number, debit card and access to the ABN AMRO app will of course all remain the same. If you have a Student credit card, we will convert it into an ABN AMRO credit card. You can continue using the same card.

If you currently have a Medical Students Package, the terms and conditions will not change and you can continue using the package until you turn 30.

No more printed quarterly statements

If you receive a printed bank statement every quarter, this will stop as of 1 January 2026, as we will no longer be offering this service. From then on, you’ll receive a monthly statement, for which we charge €1.25 per month. You can of course opt to view and download bank statements and overviews free of charge on Internet Banking and in the ABN AMRO app.

Surcharge for non-residents for the current account

Do you have a current account and live abroad? The costs we incur as a bank for clients who live outside the Netherlands or in the Caribbean Netherlands (the ‘BES islands’) are generally higher. A portion of these higher costs is incorporated into our fees. The amount of the surcharge depends on the risk profile of the country where you live, which we reassess each year. The situation in certain countries has changed, putting these countries into a different risk category. As a result, the surcharge has changed. The risk category for the following countries will change on 1 January 2026:

Andorra
Micronesia
Israel
North Macedonia
Taiwan
Saint Vincent and the Grenadines
Aruba
Saint Lucia
Mauritius
Nauru

Check the country overview (as of 1 January 2026) to see a list of countries, risk categories and associated fees.

Why are the fees changing?

Your banking is important, and we want you to be able to bank securely and easily with personal help whenever you need it and the latest payment methods, apps and security tools. Have you ever heard of ABN AMRO Helps, for example? Or the Call Check? We need to invest in updating services like these, which is why we are changing some of our fees and terms and conditions as of 1 January 2026.

All payment products and services at a glance

Convenience, service and overview

ABN AMRO debit card, current account and savings account
Our customer services are ready to help by phone, through Video Banking, at a branch and 24/7 through our chatbot
Take care of your banking 24/7 with the ABN AMRO app and Internet Banking
Accounts for your child(ren)
Open up to 10 savings accounts free of charge
Handy and clear digital account statements and an annual statement/li>
Maximum daily limit in the ABN AMRO app: €250,000 (without the e.dentifier)
Free withdrawals up to €17,500 at ATMs in the Netherlands

Fast and secure payments

ABN AMRO app and Internet Banking: secure, easy and ready to install and use on multiple devices
Call Check: pop-up in the app and on Internet Banking so that you can be certain that you have ABN AMRO on the line
Extra protection for your savings with the Savings Lock
Facial recognition (iOS) and fingerprint to log in to the app
Set up your own payment profile, as well card limits and daily limits
Transfer money within almost all European countries free of charge
Free account movement push notifications
Set up payments and standing orders easily

Support with arranging fast and easy banking

Call us directly through the ABN AMRO app for faster service
Cancel subscriptions directly in the app
Send payment requests easily using Tikkie
Contactless withdrawals
Pay with Google Pay and Apple Pay
Make iDEAL payments using a QR code
Insight into income, expenditure (current and future) and fixed costs
Open a joint account online

And...

Need help with everyday banking? ABN AMRO Helps! Over 200 advisers are ready and waiting to help you, mainly by phone or through Video Banking. But if this doesn’t work for you, an adviser can visit you at home.
Security is currently more important than ever, so this is the focus for many of our bank staff. They use the latest technology to try to protect our clients from payment fraud, and come up with smart security tools, such as the Call Check.
If you need help organising your finances, you can ask to see a Financial Health Coach. They will help you gain insight, answer questions and give you tips about improving your financial health.

Frequently Asked Questions

When will the new fees be debited from my current account for the first time?

The fees will change on 1 January 2026. The new fees will be debited from your current account for the first time in the third week of January 2026.

Where can I see if I have a payment package?

To find out whether you have a payment package, log in to Internet Banking. Go to ‘Self service’ and scroll to ‘Manage my products’. You will see an overview of all your products, including your payment package.

How do I change my separate current account to the Basic Payment Package?

On Internet Banking, you can easily change your separate current account to the Basic Payment Package, while keeping your current account and (if applicable) debit card. This is usually a better deal, because you’ll avoid paying separate fees for an account and a debit card. The fee for a Basic Payment Package is €3.70 per month (€4.30 as of 1 January 2026).

How can I cancel my current account?

Want to close your current account? Of course we’re sorry to hear that, but we will be happy to help you make the necessary arrangements.

Find out how to close your current account.