New fees and terms and conditions for personal payment products
From 1 January 2025
As of 1 January 2025, 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 online banking. The Basic Payment Package is cheaper than a separate current account with a debit card. 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 2025 will be €5.80 (€4.30 + €1.50 for an additional debit card).
New payment terms and conditions from 1 January 2025
Read the new terms and conditions that apply from 1 January 2026:
- Consumer Payment Services Conditions
- Consumer Payment Services Information Sheet
- Informatiedocument vergoedingen BasisPakket Betalen (PDF, 229 KB) (in Dutch)
- Informatiedocument vergoedingen StudentenPakket Betalen (PDF, 227 KB) (in Dutch)
- Conditions KinderBonus Sparen (PDF, 90 KB) (in Dutch)
- Conditions Basic Payments Package (PDF, 945 KB)
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) (PDF, 84 KB) 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.