Pinsparen

Save as you spend

Save money every time you spend
One of our slimme betaalregels
Set your own limit
Save 1%, 5% or 10% of the amount you spend

Set money aside effortlessly

Save as you spend: our slimme betaalregel (smart payment rule) Pinsparen allows you to set money aside automatically every time you use your debit card. Simply decide for yourself how much you want to save each day. Saving money has never been this easy.

Save money every time you spend

Reach your savings goal without any effort. Every time you use your debit card in the Netherlands, a fixed percentage will be transferred from your current account to your savings account.

Set your own limit

Decide for yourself the maximum amount you want to save each day and the minimum amount that needs to stay in your current account. You cannot save as you spend if your account is overdrawn.

Save 1%, 5% or 10%

You can choose to save 1%, 5%, or 10% of the amount you spend. So if you spend € 100 and save 5%, € 105 will be debited from your account: € 100 for your purchase and € 5 for your savings.

How to set up a slimme betaalregel

Log in

Create a slimme betaalregel

Via ‘Self service’ > ‘Payments’ > ‘My Smart Payment Rules’

Set up the payment rule

Set up the rule according to your wishes and click on 'Set up'. The payment rule will work directly!

More information

How it works

Choose a percentage: 1%, 5% or 10% of the amount you spend.
Choose a current and savings account. The current and savings account must both have the same account holder. This means that you cannot transfer the amount saved from your current account to a joint account, for instance.
Set the minimum balance that you want to keep in your current account. You will only be able to save if the amount in your current account is higher than the minimum balance. The minimum balance for Pinsparen is always € 0 or higher.
Set a maximum savings amount. If the total amount saved is higher than your maximum savings amount, you will save up to the maximum amount. You will never save more than the maximum amount.

Example

If you decide to save 5% of your payments with your debit card and you pay € 25 using your card, € 26.25 will be debited from your account. € 1.25 of this amount will be transferred to your savings account.

Set up Pinsparen

You can set up Pinsparen online as a slimme betaalregel, if you have a current account and a savings account with ABN AMRO.

If you don't have an ABN AMRO current account you can apply for a package now.

If you don't have a savings account with ABN AMRO, you can open one online. Or call us on 0900 - 81 70 (standard call charges apply). If you are calling from outside the Netherlands, please dial +31 10 - 241 17 23.

Change or cancel Pinsparen

You can change or cancel your Pinsparen slimme betaalregel online.

Terms and conditions

Pinsparen can only be used with the following savings accounts: Direct Savings, Capital Savings Account, Investment Savings Account.
You cannot use Pinsparen with a business account.
You cannot save as you spend if your account is overdrawn.

Choose a percentage: 1%, 5% or 10% of the amount you spend.
Choose a current and savings account. The current and savings account must both have the same account holder. This means that you cannot transfer the amount saved from your current account to a joint account, for instance.
Set the minimum balance that you want to keep in your current account. You will only be able to save if the amount in your current account is higher than the minimum balance. The minimum balance for Pinsparen is always € 0 or higher.
Set a maximum savings amount. If the total amount saved is higher than your maximum savings amount, you will save up to the maximum amount. You will never save more than the maximum amount.

You can set up Pinsparen online as a slimme betaalregel, if you have a current account and a savings account with ABN AMRO.

If you don't have an ABN AMRO current account you can apply for a package now.

You can change or cancel your Pinsparen slimme betaalregel online.

Pinsparen can only be used with the following savings accounts: Direct Savings, Capital Savings Account, Investment Savings Account.
You cannot use Pinsparen with a business account.
You cannot save as you spend if your account is overdrawn.