ABN AMRO Review 2026
A large, safe Dutch incumbent with full deposit protection — comprehensive but pricey, with modest rates and poor service reviews.
Overview
ABN AMRO Bank N.V. is one of the Netherlands' big-three banks, supervised by De Nederlandsche Bank and the ECB, and still partly state-linked since the 2008 crisis — the Dutch State has been gradually reducing its stake through 2025–2026.
Is your money safe?
Yes — the Dutch Deposit Guarantee Scheme covers deposits up to €100,000 per person per bank. ABN AMRO is a systemically important, well-capitalised bank with strong credit ratings.
Products & rates
A full suite — current accounts, instant-access savings, laddered fixed-term deposits, mortgages, investments and private banking (ABN AMRO MeesPierson).
It pays interest on savings and term products at mainstream Dutch rates as listed rather than market-leading ones.
Fees
Dutch current-account packages usually carry a small monthly fee; savings accounts themselves are generally fee-free; standard FX and card fees apply abroad. It's considered relatively pricey next to neobanks.
✓ Pros
- •Large, safe, €100,000-protected Dutch incumbent
- •Full product range including private banking
- •Strong financial standing
× Cons
- •Very low Trustpilot score (~1.4/5) citing service, onboarding and account-closure complaints
- •Monthly account fees
- •Modest rates
Who it's for
Dutch residents and EU savers who want a big, safe, full-service Dutch bank with branches and private banking — not fee-sensitive digital users or rate-chasers.
Bottom line
Safe and complete, but you pay for it and won't get chart-topping rates.
Frequently asked questions
Yes — the Dutch DGS covers up to €100,000 and it's a systemically important, well-capitalised bank.
Related
Editorial review by Banks.eu. Ratings reflect our own assessment of safety, product range, pricing and service. Interest rates are as listed on banks.eu or by the provider and can change at any time — always confirm current terms before opening an account.
