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ABN AMRO NL Zakelijk review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ABN AMRO NL Zakelijk is a Dutch business banking option with an account fee of €1.50 and a card that works as a debit card but is issued on credit terms. It suits companies that want a regulated Dutch bank with purchase protection and travel extras, and that will accept the card's annual charge.

Key facts

Best for
A Dutch business account that wants a regulated bank, a debit card for daily use and a credit card with travel and purchase cover.
Monthly fee
€1.50↗
Currency conversion fee
2.5%↗
Card type
Debit↗
Legal entity
ABN AMRO Bank N.V.↗
Headquarters
Netherlands↗
Support channels
Chat, Phone, Help-centre, Community↗
Audience
Business
Official website
abnamro.nl

Credit cards

Annual fee
€37.50↗
Rewards type
None↗
Perks
Purchase protection covering almost all purchases for 180 days, SafeGuard Support with advances up to EUR 4,600 and legal assistance up to EUR 1,400, Additional travel accident insurance paying up to EUR 115,000, Baggage delay insurance up to EUR 140 (up to EUR 410 after 48 hours), Flight delay insurance up to EUR 140, Delivery and internet guarantee, 24/7 fraud prevention, MasterCard SecureCode (3D Secure), Free Priority Pass Standard membership worth EUR 89 per year with access to more than 1,600 airport lounges, ICS Specials business offers and travel discounts, Click to Pay, Apple Pay, Google Pay and contactless payment, Deposit guarantee on ICS credit card balances up to EUR 100,000 per primary cardholder, 24/7 transaction and spending limit insight via the ICS Business App↗
Card kind
Credit↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInfacebook.comyoutube.com

Pros and cons

Pros

  • Support covers chat, phone and help centre, with phone and chat alongside a help centre and community.
  • Purchase protection covers almost all purchases, and the card bundle adds travel, baggage and flight delay cover plus a purchase guarantee.
  • Contactless, Click to Pay, Apple Pay and Google Pay are all listed, with fraud checks running around the clock.

Cons

  • The credit card carries an annual fee of €37.50, and the rewards type is none, so card spend earns nothing back.
  • Currency conversion costs 2.5%, above the 1% typical across the listings.
  • The account fee of €1.50 is higher than the €0 at bunq and the £0 at Wise.

Ready to try ABN AMRO NL Zakelijk?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Dutch companies that want a single regulated bank for everyday payments, with a debit card for daily use.
  • Businesses whose staff travel often enough for purchase protection, travel cover and lounge access to pay for the card.
  • Firms happy to run a credit card balance alongside the business account and watch spending through the business app.

Who should look elsewhere

  • bunq, when a monthly fee of €0 matters more than a Dutch business account with card protection.
  • Wise, at a monthly fee of £0, for readers who want cheap account keeping rather than a Dutch business card.
  • Varo Believe Secured Credit Card, with a monthly fee of $0, for anyone focused on a secured card.

Fees and FX

Account keeping for the business account costs €1.50. Currency conversion is charged at 2.5%, well above the 1% typical across listings. The debit card draws on the business account, while the credit card balance is a separate arrangement, so a reader weighing everyday cost can set those against a competitor's monthly fee.

Deposit protection

The account is provided by ABN AMRO Bank N.V., a Dutch bank listed under the Autoriteit Financiele Markten (AFM) with licence 12020215. The card package states a deposit guarantee on ICS credit card balances for each primary cardholder, alongside purchase protection on almost all purchases and fraud checks around the clock, so card balances and purchases have named cover.

How ABN AMRO NL Zakelijk compares

Where ABN AMRO NL Zakelijk is available

Available
Netherlands
Licence in Netherlands
De Nederlandsche Bank (DNB), checked September 26, 2026
Licence in Netherlands
Autoriteit Financiele Markten (AFM) (12020215), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the business account cost each month?+

The business account is charged €1.50 a month. Currency conversion on that account is 2.5%, so overseas spending and day to day account keeping need weighing against a competitor's monthly fee.

Does spending on the card earn anything back?+

The rewards type is listed as none, so card spending does not earn cashback, points or miles. Against that, the credit card carries an annual fee of €37.50 and a protection bundle that includes purchase protection on almost all purchases, travel and baggage cover, and a purchase guarantee.

Which regulator supervises the bank?+

The Dutch Autoriteit Financiele Markten (AFM) is the regulator listed against the brand, with licence 12020215. The account is provided by ABN AMRO Bank N.V., and De Nederlandsche Bank also appears in the register.

What protection comes with the card?+

Purchase protection covers almost all purchases, alongside travel accident cover, baggage and flight delay cover, and a purchase guarantee. A deposit guarantee is stated on the ICS credit card balances for each primary cardholder, and fraud checks run around the clock. The credit card itself carries an annual fee of €37.50.

How do I reach someone for help?+

Support runs on chat, phone and help centre. That means phone and chat are both available, alongside a help centre for self service and a community forum. Any question about the account fee of €1.50 or the currency conversion charge can be raised through the same channels.

Is the card a debit card or a credit card?+

The listing carries both descriptions: the card type is debit for the business account card, and the card kind is credit for the business credit card. Spending on the credit card runs through a card balance rather than straight off the business account, and the card carries an annual fee of €37.50.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Free ATM withdrawals, Protection.

ABN AMRO NL Zakelijk

A Dutch business account that wants a regulated bank, a debit card for daily use and a credit card with travel and purchase cover.

9.0/10See alternatives