Current interest rates and balance classes

From 1 January 2021, you pay negative interest if the balance of all of your current and savings accounts totals more than €500,000.

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

 

Negative interest

As of 1 January 2021 the treshold above which you will pay negative interest is lowered to a total balance of € 500,000. We determine which balance class(es) you fall into by adding up the balances on all of your current and savings accounts. Joint accounts are included proportionally in the calculation.

Balance classes (total amount current accounts and savings accounts)* Interest*
€ 0 - € 100.000 0%
€ 100.000 - € 500.000 0%
From € 500.000 -0,50%

*Balance classes and interest rates are not fixed and may be subjected to change.

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

Read more about balance classes and negative interest >

Savings account Interest
Private Banking Savings Account (Private Banking Spaarrekening) 0,00%
Capital Savings Account (Vermogens Spaarrekening)

    Base interest rate 0,00%
    Bonus interest rate 0,00%
Private Banking Investing Account (Private Banking Beleggingsrekening) 0,00%
Investors Liquidity Account (Beleggers Liquiditeiten Rekening) 0,00%
Entrepreneurs Orientation Account (Ondernemers Oriëntatierekening)
    Base interest rate 0,00%
    Bonus interest rate 0,00%
Private Banking Business Savings Account (Private Banking Zakelijk Sparen) 0,00%
Child Future Savings Account
    Base interest rate 0,15%
    Bonus interest rate 0,00%
Charitas Savings Account (Charitas Spaarrekening) 0,00%

Interest rates for other ABN AMRO current accounts and savings accounts can be found here.

Why is the interest rate falling?