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ABN AMRO Zakelijk review

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

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Our verdict

ABN AMRO Zakelijk suits Dutch businesses that want euro business banking and savings under one roof, with deposits covered by EU DGS up to EUR 100,000 and supervision by De Nederlandsche Bank. The flexible savings account pays €1.05 to €1.25 at a variable rate and lets money move in and out at any time.

Key facts

Best for
Dutch businesses that want a euro deposit account at the same bank as their business payments.
Monthly fee
€1.25↗
Deposit protection
EU DGS up to EUR 100,000↗
Currencies
from 45↗
Local account details
IBAN↗
Transfer fee
SEPA €0.10-€0.15 per transaction; SWIFT payments charged separately↗
Legal entity
ABN AMRO Bank N.V.↗
Headquarters
Netherlands↗
Founded
1991↗
Support channels
Email, Phone, Help-centre↗
Audience
Business
Pricing model
No monthly fee
Official website
abnamro.nl

Savings

Headline rate
€1.05 to €1.25↗
Rate type
Variable↗
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↗
Account kind
Easy access↗

Money transfer

Exchange rate markup
0.85% to 1.35%↗
Payout methods
Bank↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Elsewhere
LinkedInTrustpilotWikipedia

Pros and cons

Pros

  • Deposits are covered by EU DGS up to EUR 100,000, with De Nederlandsche Bank supervising the bank in the Netherlands.
  • Savings can be paid in and taken out at any time to the business payment account, and the rate of €1.05 to €1.25 is variable.
  • Foreign payments span from 45 currencies, above the business category median of 4.
  • Support runs on email, phone and help centre, so phone and email sit alongside a help centre.

Cons

  • The business payment account charges €1.25 a month, so holding it adds a fixed cost the savings account does not carry.
  • Interest is credited quarterly rather than as it accrues, and each customer is limited to a single flexible savings account.
  • The exchange margin of 0.85% to 1.35% sits above the business category median of 0.75%.

Ready to try ABN AMRO Zakelijk?

Scored 9.0 / 10 by VaultCue.

See alternatives

Who it suits

  • Dutch companies that want their euro savings held by a bank rather than a payment institution.
  • Businesses billing across borders, with from 45 currencies available on foreign payments.
  • Firms that put weight on deposit protection and a named regulator rather than a free account fee.

Who should look elsewhere

  • Businesses that want to avoid any account charge, since Plazo ES has €0 as its monthly fee.
  • Anyone who would rather hold funds in a wallet than a euro deposit, such as PayPal Colombia at $0 a month.
  • Firms that need a thinner exchange margin than 0.85% to 1.35% and are happy with a wallet provider such as Skrill at €0 a month.

How ABN AMRO Zakelijk compares

Where ABN AMRO Zakelijk is available

Available
Netherlands
Licence in Netherlands
De Nederlandsche Bank (DNB), 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 payment account charges €1.25 a month. The flexible savings account is listed under no monthly fee instead, so the savings side carries no separate account charge. Customers may hold a single flexible savings account, and deposits and withdrawals run through the business payment account.

What interest does the flexible savings account pay?+

Interest is set at €1.05 to €1.25 and the rate is variable, so it moves with the bank instead of being fixed for a term. The account is easy access, money can be paid in or taken out at any time, and interest is credited quarterly.

Is business money held here protected?+

Deposits sit under EU DGS up to EUR 100,000. The bank is supervised by De Nederlandsche Bank in the Netherlands, and the accounts run through ABN AMRO Bank N.V., so balances are held with a bank rather than a payment institution or e-money provider.

Can I take money out whenever I need it?+

Deposits and withdrawals between the flexible savings account and the business payment account can be made at any time. Interest is credited quarterly on the quarter end dates, the account is easy access, and each customer is limited to a single flexible savings account.

How many currencies can the business account handle?+

Foreign payments reach from 45 currencies, with the exchange margin set at 0.85% to 1.35%. That margin sits above the business category median of 0.75%, so cross border invoicing costs more here than at providers with a thinner margin.

Who is this banking built for?+

The audience is business, and the bank is based in the Netherlands with a founding date of 1991. Accounts run through ABN AMRO Bank N.V., so retail savers looking for a spending wallet are not the target customer here.

How do I get help if something goes wrong?+

Support runs on email, phone and help centre. That gives business customers phone and email access to the bank, plus a help centre for routine questions. The same business desk covers both the payment account and the flexible savings account.

What do outgoing transfers cost?+

SEPA transfers carry a per transaction charge and SWIFT payments are billed separately, so cost depends on the rail used. Account details are iban based, and money moves out to a bank account.

Sources

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Currency conversion fee.

ABN AMRO Zakelijk

Dutch businesses that want a euro deposit account at the same bank as their business payments.

9.0/10See alternatives