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ABN AMRO Zakelijk review

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

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Our verdict

ABN AMRO Zakelijk is a Dutch business easy-access savings account that pays €1.05 to €1.25 with a monthly fee of €0, aimed at companies that park cash in the business payment account. It suits balances that must stay reachable, not savers chasing the top of the market.

Key facts

Best for
Parking business cash in an easy-access euro account with no monthly fee.
Headline rate
€1.05 to €1.25↗
Rate type
Variable↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Deposit and withdraw at any time to the business payment account; interest credited quarterly on 31 March, 30 June, 30 September and 31 December; maximum one account per customer↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
ABN AMRO Bank N.V.↗
Headquarters
Netherlands↗
Founded
1991↗
Support channels
Chat, Phone, Help-centre, Community↗
Pricing model
No monthly fee
Official website
abnamro.nl

Credit cards

Annual fee
€37.50↗
Currency conversion fee
2.5%↗
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↗
Audience
Business

Mortgages

Initial rate
4.2% to 8.3%↗
Fixed period
10 years↗
Maximum loan to value
90%↗
Product fee
€550 to €1,500↗
Purpose
Purchase↗

Debit cards

Card type
Debit↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • An easy access savings account: deposits and withdrawals run at any time to and from the business payment account, with interest credited quarterly
  • A variable rate of €1.05 to €1.25 on the euro balance, with a monthly fee of €0
  • Help is available on chat, phone and help centre, including phone and chat
  • Business customers can add a credit card with purchase protection and travel insurance in its extras

Cons

  • The rate of €1.05 to €1.25 sits below the 3% typical on the site, ranking 382 of 488 brands on headline rate.
  • The rate is variable, so returns fall if the bank trims it.
  • Access terms allow a single savings account per customer, and the balance runs through the business payment account.

Ready to try ABN AMRO Zakelijk?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Businesses that run a business payment account and want the idle balance to earn €1.05 to €1.25
  • Companies that need cash reachable quickly, since the account is easy access
  • Firms that want a single safeguarded euro balance, EU DGS up to EUR 100,000, rather than a spread of providers

Who should look elsewhere

  • Wise, which pays 3.29% on its interest account if the rate matters most
  • bunq, whose mass interest rate is 3.01%
  • Finteres, which advertises 0% to 36% for savers chasing a higher headline rate

Deposit protection

Balances are covered by EU DGS up to EUR 100,000, so a business can lean on the deposit guarantee rather than its own reserves alone. The stated cap is the ceiling for the money held there, and anything above it is not covered by the scheme. That matters for a company parking working capital with a single bank.

How ABN AMRO Zakelijk compares

Where ABN AMRO Zakelijk is available

Available
Netherlands
Licence in Netherlands
De Nederlandsche Bank, checked September 26, 2026

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

Frequently asked questions

What interest rate does the account pay?+

The savings account pays a variable rate of €1.05 to €1.25 on the euro balance, so the amount earned moves with the bank rather than staying locked in. Interest is credited quarterly, which suits a company reading the balance often rather than one chasing a fixed deal.

What does it cost to run the savings account?+

The account carries a monthly fee of €0 and the pricing model is no monthly fee, so there is nothing to pay each month for the balance itself. Costs sit elsewhere in the relationship: the business card has an annual fee of €37.50 and currency conversion runs at 2.5%.

Is the business money protected?+

Deposits sit under EU DGS up to EUR 100,000, held by ABN AMRO Bank N.V.. The bank is based in the Netherlands and is supervised by De Nederlandsche Bank and the European Central Bank, so the money rests on a deposit scheme rather than on the bank's own balance sheet.

How do I pay money in and take it out?+

This is an easy access account: money is deposited and withdrawn at any time, and both movements run between the savings account and the business payment account. Interest is credited quarterly, so there is no lock-in and no notice period to serve before the balance comes back.

Who can open the account?+

The account is aimed at business customers (business), and the balance runs through the business payment account, so a company pays in and takes out alongside its day to day banking. Access terms allow a single savings account per customer, which keeps the balance in a single place.

What card comes with the business account?+

The business side includes a credit card with an annual fee of €37.50, and rewards are none, so card spending earns nothing back in cash or points. Everyday payments run on a debit card from the same bank.

What does it cost to spend or convert currency abroad?+

Currency conversion runs at 2.5%, above the 1% typical across the site and past the 2.5% mark. For a business paying suppliers outside the euro, that charge applies on each transaction, and the savings balance is held in euro.

How do I get help if something goes wrong?+

Support runs on chat, phone and help centre, so help is available by chat, phone, a help centre and a community. A business customer paying abroad also weighs the 2.5% conversion charge, and the €37.50 annual card fee applies if a card is held.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term, Minimum deposit.

ABN AMRO Zakelijk

Parking business cash in an easy-access euro account with no monthly fee.

9.2/10See alternatives