Beleggers Spaarrekening
With Self-directed Investing Basic, Self-directed Investing Plus and Guided Investing
Interest as of
- 1.45% interest (balance class €500,000 up to and including €1,200,000)
- Save and invest with one account
- Automatically opened for you
What is a Beleggers Spaarrekening?
The Beleggers Spaarrekening combines saving and investing by allowing you to invest part of your savings. You keep your buffer and give yourself a chance of higher yields from investing. All from one and the same account number.
Good to know
We’ll open a Beleggers Spaarrekening for you automatically when you apply for Self-directed Investing Basic, Self-directed Investing Plus or Guided Investing.
More information
Who it’s for
The Beleggers Spaarrekening is for anyone with an ABN AMRO current account and Self-directed Investing Basic, Self-directed Investing Plus or Guided Investing.
Interest
- The current interest rate for the Beleggers Spaarrekening is 1.25% for the balance class of €0 up to and including €500,000 and 1.45% for the balance class of €500,000 up to and including €1,200,000. No interest will be paid above the highest stated balance class.
- Interest is credited to the savings account each quarter on 31 March, 30 June, 30 September and 31 December. The interest will appear in the account after two working days.
- All current interest rates for our savings accounts are listed in one convenient place.
- If you would like to receive an email when the interest rate changes, sign up for our newsletter (product information).
Overdrafts
You are not allowed to go overdrawn on a Beleggers Spaarrekening. If you do run up an overdraft, you will be charged interest at the same rate as we charge for an unauthorised overdraft on a current account.
Open a Beleggers Spaarrekening
- If you use Internet Banking, it’s easy to apply for Self-directed Investing Basic, Self-directed Investing Plus or Guided Investing online.
- An investment account will be opened for you as requested.
- We will also automatically open a new Beleggers Spaarrekening. This Beleggers Spaarrekening will be linked to your investment account.
- Alternatively, you can choose to link your investment account to an ABN AMRO current account or another ABN AMRO savings account.
- A maximum of one Beleggers Spaarrekening can be opened for each investment account.
Withdrawals
You can withdraw savings whenever you want. Simply transfer an amount from your savings account to your ABN AMRO current account using the Mobile Banking app or Internet Banking.
Investing
You may be charged when you buy or sell investments. Take a look at the costs here. You can buy investments via Internet Banking or the ABN AMRO app.
Investing involves risk. You could lose all or part of your initial investment.
Closing the account
You can always close your Beleggers Spaarrekening at no cost. Read more about closing a savings account.
Dutch Deposit Guarantee
Our money is protected by the Dutch Deposit Guarantee.
Your money held in accounts at ABN AMRO Bank is legally protected by the Dutch Deposit Guarantee, from 1 cent to €100,000. This protection applies per person and applies to the total amount that you have in your accounts at ABN AMRO Bank. You do not have to do anything for this.
Terms and conditions
- Beleggers Spaarrekening terms and conditions (PDF, 97 KB)
- Voorwaarden Beleggers Spaarrekening (PDF, 140 KB) (Dutch version)
In the event of any disparity between the Dutch original and the translation, the Dutch intro will prevail.
Who it’s for
The Beleggers Spaarrekening is for anyone with an ABN AMRO current account and Self-directed Investing Basic, Self-directed Investing Plus or Guided Investing.
Interest
- The current interest rate for the Beleggers Spaarrekening is 1.25% for the balance class of €0 up to and including €500,000 and 1.45% for the balance class of €500,000 up to and including €1,200,000. No interest will be paid above the highest stated balance class.
- Interest is credited to the savings account each quarter on 31 March, 30 June, 30 September and 31 December. The interest will appear in the account after two working days.
- All current interest rates for our savings accounts are listed in one convenient place.
- If you would like to receive an email when the interest rate changes, sign up for our newsletter (product information).
Overdrafts
You are not allowed to go overdrawn on a Beleggers Spaarrekening. If you do run up an overdraft, you will be charged interest at the same rate as we charge for an unauthorised overdraft on a current account.
Open a Beleggers Spaarrekening
- If you use Internet Banking, it’s easy to apply for Self-directed Investing Basic, Self-directed Investing Plus or Guided Investing online.
- An investment account will be opened for you as requested.
- We will also automatically open a new Beleggers Spaarrekening. This Beleggers Spaarrekening will be linked to your investment account.
- Alternatively, you can choose to link your investment account to an ABN AMRO current account or another ABN AMRO savings account.
- A maximum of one Beleggers Spaarrekening can be opened for each investment account.
Withdrawals
You can withdraw savings whenever you want. Simply transfer an amount from your savings account to your ABN AMRO current account using the Mobile Banking app or Internet Banking.
Investing
You may be charged when you buy or sell investments. Take a look at the costs here. You can buy investments via Internet Banking or the ABN AMRO app.
Investing involves risk. You could lose all or part of your initial investment.
Closing the account
You can always close your Beleggers Spaarrekening at no cost. Read more about closing a savings account.
Dutch Deposit Guarantee
Our money is protected by the Dutch Deposit Guarantee.
Your money held in accounts at ABN AMRO Bank is legally protected by the Dutch Deposit Guarantee, from 1 cent to €100,000. This protection applies per person and applies to the total amount that you have in your accounts at ABN AMRO Bank. You do not have to do anything for this.
Terms and conditions
- Beleggers Spaarrekening terms and conditions (PDF, 97 KB)
- Voorwaarden Beleggers Spaarrekening (PDF, 140 KB) (Dutch version)
In the event of any disparity between the Dutch original and the translation, the Dutch intro will prevail.
Other information that may be of interest
Save automatically
Saving is simply a matter of doing it. Automatically set aside a fixed amount each week, month or quarter. Reach your goals at your own pace.
Get your money to work for you
Do you have a healthy buffer in your savings account? And do you want to use part of your wealth? Investing can make your money work.
Protect your savings with the Savings Lock
Imagine this: one fake phone call and your savings are gone. It happens more often than you think. Want to avoid fraud and keep your savings safe? With the free Savings Lock, you stay in control of your savings account. It helps you protect yourself and your money even better.