Fees for foreign currency withdrawals

Card payments and cash withdrawals abroad cost money. You also have to deal with exchange rates outside of euro countries. This page explains how that works.

Currency calculator

International money transfers

If you transfer money abroad, you may encounter a different currency. Do you want to know how much your amount in euros is worth in that currency? Then use the exchange rate list or the currency calculator. Enter the amount in euros and choose the currency of the country where you want to send money to convert the amount.

To the exchange rates list and currency calculator

Exchange rate calculator

Cash withdrawals and card payments abroad

Do you want to withdraw cash or pay with your (digital) debit card outside the euro countries? Use the exchange rate calculator to calculate the exchange rate on your transactions. Enter the currency and amount to convert the amount. Please note that the calculator uses the as a basis.

To exchange rate calculator (in Dutch)

Fees withdrawals notes

Cash withdrawals (notes) in the Netherlands and abroad

Type of account	Fee bracket	Fee for euro withdrawals*	Fee for foreign currency withdrawals**
Current account	< €17,500	Free	€2.25 + 1.2% currency conversion costs per transaction
	> €17,500	€5 + 0.50% of the amount withdrawn per transaction	€2.25 + 1.2% currency conversion costs per transaction €5 + 0.50% of the amount withdrawn per transaction
Student account	< €6,000	Free	€2.25 + 1.2% currency conversion costs per transaction
	> €6,000	€5 + 0.50% of the amount withdrawn per transaction	€2.25 + 1.2% currency conversion costs per transaction €5 + 0.50% of the amount withdrawn per transaction
Young person's growth account	< €2,000	Free	€2.25 + 1.2% currency conversion costs per transaction
	> €2,000	€5 + 0.50% of the amount withdrawn per transaction	€2.25 + 1.2% currency conversion costs per transaction €5 + 0.50% of the amount withdrawn per transaction

*Please note: the foreign bank (a bank outside the Netherlands) may charge other costs.
**Please note: with payments or cash withdrawals in Denmark, Sweden, Hungary, Poland, Romania, the Czech Republic, Croatia or Bulgaria, we are obliged to state the exchange rate mark-up in relation to the ECB reference rate. This is shown as a percentage in your account statement. It is not the same as the 1.2% currency conversion costs per transaction, as the comparison is made on the basis of the Mastercard rate.

Cash withdrawals (notes) abroad using a credit card

What	Fee
In euro	4% with a minimum of €4.50 per transaction
In foreign currency	4% with a minimum of €4.50 per transaction + 2.00 % exchange rate mark-up

Fees payments via terminal

Paying via a payment terminal abroad in euros

How	Fee
With debit card	€0 in euro countries per transaction
With credit card	€0 per transaction

Paying via a payment terminal abroad in foreign currency

How	Tarief
With debit card	€0.15 and 1.2% exchange rate mark-up per transaction
With credit card	free + 2.00% exchange rate mark-up per transaction

Cash withdrawal fee bracket

The fee bracket reflects the ratio between the amount you withdraw and the costs charged in addition.

The fee bracket applies to all cash withdrawals of coins and notes (including foreign currency) in the Netherlands and abroad per calendar year. It applies per account holder, rather than per debit card or current account.
Do you have several accounts? In that case, the cash withdrawals from all your accounts will be added together.
Cash withdrawals from a joint account will be assigned to the account holders in equal shares.
If you made any cash withdrawals in foreign currency, the euro equivalent will be added.

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