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 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 2026 will be €5.80 (€4.30 + €1.50 for an additional debit card).
New payment and conditions from 1 January 2026
Read the new terms and conditions that apply from 1 January 2026:
- General Conditions and Client Relationship Conditions
- Consumer Payment Services Conditions
- Consumer Payment Services Information Sheet
- Informatiedocument vergoedingen BasisPakket Betalen (in Dutch)
- Informatiedocument vergoedingen StudentenPakket Betalen (in Dutch)
- Consumer Foreign Currency Account Conditions
- Conditions of Student Package
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.
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.
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.