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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

  Current fee (per month) Fee as of 1 January 2025 (per month)
Basic Payment Package*
- Additional current account
€3.25
€1.75
€3.70
€1.90
Current account without payment package
- First separate current account
- Additional current account

€3.25
€1.75

€3.70
€1.90
ABN AMRO Credit Card
- Extra ABN AMRO Credit Card
€2.05
€1.00
€2.15
€1.05
ABN AMRO Gold Card
- Extra ABN AMRO Gold Card
€4.25
€2.00
€4.45
€2.10

*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.

Do you have a joint account with two debit cards? The fee as of 1 January 2025 will be €3.70 + €1.50 for an additional debit card.

Also take a look at the complete list of fees for personal payment products.

New payment terms and conditions from 1 January 2025

Ajaxrekening to be converted to a Young Person’s Growth Account

In January 2025, your child’s Ajaxrekening will be converted to a Young Person’s Growth Account: a free current account for children and young people aged 0 to 18. Only the name will change; the account number and debit card will remain the same. Please note: if your child already has a Young Person’s Growth Account as well as an Ajaxrekening, we will convert the Ajaxrekening to a personal account which will be free until your child’s 18th birthday.

When your child reaches the age of 18, we will automatically convert the Young Person’s Growth Account into a free Student Account at the start of the first month following their 18th birthday. You don’t need to do anything yourself.

Surcharge for non-residents for the current account

For clients who live outside the Netherlands or in the Caribbean Netherlands (the ‘BES islands’), the costs we as a bank have to incur are higher on average. We pass on a portion of these higher costs in our fees. The amount of the surcharge depends on the risk profile of the country where you live, which we reassess each year. Given that the situation in certain countries has changed, we have placed these countries in a different risk category, with a different surcharge. The risk category for the following countries will change on 1 January 2025:

  • Georgia
  • Grenada
  • Monaco
  • Montenegro
  • Saint Martin

Check the country overview (as of 1 January 2025) to see a list of countries, risk categories and associated fees.

New terms and conditions

Take a look at the new terms and conditions that apply from 1 January 2025:

Why are the fees changing?

At ABN AMRO, there are lots of ways to arrange your daily banking easily, securely and quickly. These options include simply scanning a QR code to make an iDEAL payment and paying and withdrawing money using your phone. Through these and other innovations, we make banking easier, faster and more secure. We also invest a great deal of time and money in combating financial crime.

At the same time, we want to make sure that banking remains accessible to all our clients. If you’re unsure what to do, we’re always close by and ready to help: you can talk to us via chat or call us right from the app. And you can also take advantage of our personal services, like a ‘financial future’ talk. These investments in our services and in secure banking result in higher fees for our payment services.

Keeping your money secure

Keeping your money secure is one of our top priorities. So every day, over 2,500 of our staff focus on security matters, such as blocking accounts. They also devise smart solutions, such as the Savings Lock, so that scammers can’t get to your savings. Find out what you can do.

Smart, fast banking

Our apps enable you to do your banking ever faster and more easily. From sending payment requests with Tikkie, to Video Banking with our experts. The following smart features in the ABN AMRO app show you exactly where you stand.

  • 'Push notification' send an alert about payments, insufficient funds or unusual debits.
  • 'Forecast' shows you all the regular transactions you can expect in the next 30 days.
  • 'Fixed costs' gives you an overview of all your recurring monthly costs and subscriptions.

Frequently Asked Questions

Our fees will change on 1 January 2025. The new fees will be debited from your current account for the first time in the third week of January 2025.

The new fee for paper account statements and a replacement debit card will also come into effect on 1 January 2025 and will be debited from your account in arrears for the first time in the third week of February 2025.

If you want to close your current account, we are of course sorry to hear that, but we will be happy to help you make the necessary arrangements.

Find out how to  close your current account .