What ABN AMRO Actually Charges You
ABN AMRO hiked its basic package 16% in one move for 2026. Just holding the account now costs €51.60 a year, and every card payment outside the eurozone gets taxed twice: a fixed fee plus a markup.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €4.30/month | BasisPakket Betalen since 1 January 2026, up from €3.70, a 16% increase. An extra current account next to the package costs another €1.90 per month. |
| Foreign exchange | 1.2% + €0.15 | Per debit card payment in a non-euro currency: a 1.2% exchange rate markup plus a fixed €0.15 per transaction. |
| ATM withdrawals | €5 + 0.5% | Per cash withdrawal once you pass the free allowance of €17,500 per account holder per calendar year. Student accounts get only €6,000 free per year. |
| Cards | €1.50/month | Second debit card on the account, about €18 per year. The optional credit card costs around €25.80 per year on top. |
| Overdraft | 9.9% | Annual interest on an arranged overdraft on the BasisPakket. The overdraft facility has to be requested separately. |
Questions people actually ask
The BasisPakket Betalen costs €4.30 per month since 1 January 2026, up from €3.70 in 2025. That is €51.60 per year before any extras.
Each non-euro debit card payment costs a fixed €0.15 plus a 1.2% exchange rate markup on the amount.
Up to €17,500 per account holder per calendar year. Above that, every withdrawal costs €5 plus 0.5% of the amount.
A second debit card costs about €1.50 per month and an extra current account costs €1.90 per month, both on top of the €4.30 package fee.
An arranged overdraft on the BasisPakket carries 9.9% annual interest. You have to request the overdraft facility separately.
Sources
Every number above is checked against official provider documents and the linked source material below.
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