Start saving for your child or grandchild

KidsFuture Savings Account

Interest

0.15%

A great start to your child's future
Also for grandparents

Open an account today

The sooner you start saving, the bigger your child's nest egg will be. Open a KidsFuture Savings Account (KinderToekomst Spaarrekening) and start today. It will make it that little bit easier for your child or grandchild to go to university, get a driving licence or find a place of their own.

Please note: As of 1 July 2021, we will be lowering the threshold above which you will pay negative interest. Read the announcement here.

More information

Interest

Please note: As of 1 July 2021, we will be lowering the threshold above which you will pay negative interest. Read the announcement here.
If the total balance on your childs current or savings account is in excess of € 500,000, your child will need to pay negative interest. Read more about negative interest.
The current interest rate for the KidsFuture Savings Account is 0.15% . The bonus interest rate is currently 0.00% . Any interest due will be credited to the account on 31 December. The interest rate is not fixed and can be changed at any moment. Find out more about interest rates.
If you would like to receive an email when the interest rate changes, sign up for our newsletter .
The maximum balance on which you can receive interest is € 1,000,000 .

Opening an account

You can open a savings account if you have an ABN AMRO current account. Simply call us at 0900 - 81 70 (standard call charges apply). If you are calling from outside the Netherlands, please dial +31 10 - 241 17 23.
Grandparents, other family members and friends can open an account, but need written permission from one of the child's legal guardians. This will usually be one of the parents.
You open the account before the child reaches the age of 11.
When you open a KidsFuture Savings Account (KinderToekomst Spaarrekening), you will be asked to provide the child's Dutch personal ID number (Burger Service Nummer (BSN)). You will find this number on the child's health insurance policy or card, or on the letter explaining the BSN that you will have received from your local council.
You can open one KinderToekomst Spaarrekening per child.

Withdrawals

You can withdraw as much money as you like from a KidsFuture Savings Account whenever you want and free of charge.
All you need to do is transfer the amount from the savings account to an ABN AMRO current account in the child's name. You can do this using our Mobile Banking app or Internet Banking, or by calling 0900 - 81 70 (standard call charges apply).
When you open an account, it will automatically include Internet Banking access, making it easy for you to manage your child's savings account.

Your child turns 18

ABN AMRO will close the KidsFuture Savings Account (KinderToekomst Spaarrekening) in the month of January in the year after your child turns 18. The savings, including the base rate and bonus interest rate, will be transferred to another ABN AMRO savings account in your child's name.
If your child does not have another ABN AMRO savings account, we will open one for him or her. You will receive a letter with more information as the date approaches.
If your child wants to earn the bonus interest in the year he or she turns 18, your child must leave the savings in the account up to and including 30 December.
Please note: When your child turns 18, only he or she will have access to the money.

Closing the account

You can close the KidsFuture Savings Account at any time. Simply call us on 0900 - 81 70 (standard call charges). If you are calling from outside the Netherlands, please dial +31 10 - 241 17 23.

Are my savings safe?

A KidsFuture Savings Account (KinderToekomst Spaarrekening) is an ABN AMRO Bank N.V. banking product. ABN AMRO Bank N.V. is covered by the deposit insurance scheme, which means that any savings you have deposited with ABN AMRO Bank, ABN AMRO MeesPierson and MoneYou are consolidated. Find out more or call 0900 - 81 70 (standard call charges apply). If you are calling from outside the Netherlands, please dial +31 10 - 241 17 23.

Terms and Conditions

In the event of any disparity between the Dutch original and the translation, the Dutch intro will prevail.

More information

Interest

Please note: As of 1 July 2021, we will be lowering the threshold above which you will pay negative interest. Read the announcement here.
If the total balance on your childs current or savings account is in excess of € 500,000, your child will need to pay negative interest. Read more about negative interest.
The current interest rate for the KidsFuture Savings Account is 0.15% . The bonus interest rate is currently 0.00% . Any interest due will be credited to the account on 31 December. The interest rate is not fixed and can be changed at any moment. Find out more about interest rates.
If you would like to receive an email when the interest rate changes, sign up for our newsletter .
The maximum balance on which you can receive interest is € 1,000,000 .

Opening an account

You can open a savings account if you have an ABN AMRO current account. Simply call us at 0900 - 81 70 (standard call charges apply). If you are calling from outside the Netherlands, please dial +31 10 - 241 17 23.
Grandparents, other family members and friends can open an account, but need written permission from one of the child's legal guardians. This will usually be one of the parents.
You open the account before the child reaches the age of 11.
When you open a KidsFuture Savings Account (KinderToekomst Spaarrekening), you will be asked to provide the child's Dutch personal ID number (Burger Service Nummer (BSN)). You will find this number on the child's health insurance policy or card, or on the letter explaining the BSN that you will have received from your local council.
You can open one KinderToekomst Spaarrekening per child.

Withdrawals

You can withdraw as much money as you like from a KidsFuture Savings Account whenever you want and free of charge.
All you need to do is transfer the amount from the savings account to an ABN AMRO current account in the child's name. You can do this using our Mobile Banking app or Internet Banking, or by calling 0900 - 81 70 (standard call charges apply).
When you open an account, it will automatically include Internet Banking access, making it easy for you to manage your child's savings account.

Your child turns 18

ABN AMRO will close the KidsFuture Savings Account (KinderToekomst Spaarrekening) in the month of January in the year after your child turns 18. The savings, including the base rate and bonus interest rate, will be transferred to another ABN AMRO savings account in your child's name.
If your child does not have another ABN AMRO savings account, we will open one for him or her. You will receive a letter with more information as the date approaches.
If your child wants to earn the bonus interest in the year he or she turns 18, your child must leave the savings in the account up to and including 30 December.
Please note: When your child turns 18, only he or she will have access to the money.

Closing the account

You can close the KidsFuture Savings Account at any time. Simply call us on 0900 - 81 70 (standard call charges). If you are calling from outside the Netherlands, please dial +31 10 - 241 17 23.

Are my savings safe?

Terms and Conditions

In the event of any disparity between the Dutch original and the translation, the Dutch intro will prevail.