Retail Payment Services
January 2014
Information Sheet
Contents:
1.Security
2.Direct Debits
3.Business Days
4.Limits
5.Fees and Charges
6.Exchange Rates
7. Interest on Current Account
8.Value-Dating
5725
9.Sending of Written Payment Orders
Retail Payment Services Information Sheet
This translation is furnished for the client’s convenience only.
The original Dutch text, which will be sent upon request,
will be binding and shall prevail in case of any variance
between the Dutch text and the English translation.
Explanation
Carry your bank card on you as much as possible, such as in the
closed inside pocket of your coat or jacket (so that it cannot be seen,
removed unnoticed or lost). A card left in a bag on the back of your
In this Information Sheet you can read more rules and
information concerning subjects from the:
▶▶ ABN AMRO Bank N.V. General Conditions (these
consist of the General Banking Conditions and Client
Relationship Conditions)
▶▶ Retail Payment Services Conditions
1.Security
Alongside the security rules set out in the ABN AMRO
Bank N.V. General Conditions, you are required to adhere to
the following security rules. It is absolutely vital to observe
these security rules in order to use our banking services safely.
If you fail to do so, you may be liable for the resulting loss.
1A Bank Card and PIN Safety
General
Always handle your bank card and PIN with care to prevent
unauthorised use. You must always keep your bank card
and PIN in a safe place and be vigilant when using them.
Take immediate action to block your bank card whenever
you suspect something is wrong. Also stay informed of
the latest information from the bank about any fraud
prevention measures you are required to take. Remember:
you are obliged to take the measures prescribed by the
bank to prevent unauthorised use of your bank card.
bicycle can be quickly taken without your noticing... so that is not a
safe place. Leaving your bank card in a car, boat or tent or, for instance,
in an unattended sports bag at the gym is not safe either; it gives
others a golden opportunity to take your bank card unnoticed. Even
when you leave your bank card at home, always make sure it is not
visible and, of course, always lock your house. You are not allowed to
leave your bank card in temporary accommodation, such as a hotel
room or holiday home, unless it is kept in a secure safe.
2 Always use the bank card safely:
 don’t hand over your bank card to anyone, not even to
someone offering assistance, unless you are using the
card at a POS terminal, and always keep it in sight; and
 never lose sight of the bank card until you have
put it away safely again; and
 always check that your own bank card is returned
to you after it is used; and
 closely follow the security instructions on the ATM
or POS terminal for checking that the ATM or POS
terminal is safe; and
 immediately contact the bank or the designated
hotline if your bank card is not returned to you after
a payment transaction or ATM withdrawal; and
 never use the bank card when you know or suspect
that the situation is not safe; and
 never let yourself be distracted while using your
bank card.
Keep and use bank cards safely, and always be vigilant
1 Always keep your bank card in a safe place. For you as
our client this means:
 keep your bank card and wallet (or other holder)
out of other people’s sight when you do not need
them; and
 make sure others never see where you keep your
bank card; and
 put the bank card in a place that others cannot reach
without your noticing; and
 be vigilant and make sure you do not lose your
bank card.
The term ‘others’ in this context also means your partner,
children, family, friends, housemates and visitors.
Page 1 of 7 Retail Payment Services Information Sheet
3 Regularly check that your bank card is safe and has
been used safely:
 check at least once a day that you still have your
own bank card;
 check the payment transactions made with the
bank card as set out in Article 19 of the General
Banking Conditions.
Keep your PIN safe and use it safely
4 You must always keep your PIN safe. Your PIN is only
safe if you:
 choose a PIN that is not easy to guess;
 destroy the letter containing your PIN as quickly
as possible;
January 2014

d
o
not write down the PIN, but memorise it; or
you really cannot memorise the PIN, make sure
others cannot decipher the written note you keep
of your PIN;
never keep a written note of your PIN in the same
place as your bank card;
never reveal or show your PIN to anyone, not even
to your partner, children, family, friends, housemates,
business representatives or bank employees.
1B Safety of Identifier Codes and Check Codes
 if


5 Always use the PIN safely:
 make sure others cannot see your PIN, e.g. when
entering it into a POS Terminal or ATM; and
 always use your free hand and body to shield the
keypad when entering the PIN;
 accept no assistance from anyone when entering
the PIN.
6 If you are no longer sure your bank card is safe, notify
the bank immediately. Always notify the bank in the
following situations:
 you have lost or mislaid your bank card, or your
bank card has been stolen;
 your bank card was not returned to you after a
payment transaction;
 you notice that your bank card has been used to
make one or more payment transactions outside
of your knowledge;
 you know or suspect that someone else knows or
has seen your PIN.
You can report these situations in one of the following three
ways:

Go to one of our branches in the Netherlands (during office hours)

Call us on 0900 - 0024 (€ 0.10 per minute from the Netherlands)1 or

Call the central bank card hotline on 0800 - 0313 (Freephone from
on +31 10 282 07 24 (from abroad)
the Netherlands) or +31 30 283 53 72 (from abroad).
General
As with the PIN, you must also use and keep other personal
identifier codes safely. This concerns the codes you
use for Internet Banking, Mobile Banking or Telephone
Banking.
Check Codes are also used for Internet Banking. This
is the code you need to enter into the e.dentifier or the
code that the e.dentifier feeds back (the response code).
These codes must also be used safely. You are obliged to
take the measures prescribed by the bank to prevent any
unauthorised use of identifier codes and check codes.
Identifier Code
The rules for keeping and using the PIN safely (see 1A
above) also apply to your other identifier codes.
Permitted use of PIN, other identifier codes and check
codes
You may only use your PIN, identifier codes and check
codes where this is permitted by the bank.
You are only permitted to enter your PIN into:
▶▶ ATMs
▶▶ POS Terminals
▶▶ Chipknip Loading Terminals
▶▶ the e.dentifier issued by the bank.
Other identifier or check codes may only be used for:
▶▶ Internet Banking (including iDEAL payments) via the
bank’s website
▶▶ Mobile Banking via the bank’s app
▶▶ Telephone Banking on 0900 - 0024.
You may never use PINs, identifier codes or check codes
in any other manner than indicated above. You may not
pass on these codes on websites of any parties other than
the bank. You may never reveal these codes to anyone
else, not even to employees of the bank.
1C Internet Banking Security
Users of the ABN AMRO Stand-By Service can also call
0800 - 0701 (local rate from the Netherlands) or +31 20
6515927 (collect call from abroad). These telephone
numbers are manned 7 days a week, 24 hours a day.
Security requirements for your system, software and
connection
To gain access to ABN AMRO Internet Banking, you need
an Internet connection, as well as suitable equipment and
software for using this connection safely. For more information,
go to: abnamro.nl/veiligheid
You must make sure your equipment, software and
connection is protected by security software. All operating
and security programmes that you use, including anti-virus
1
This information number costs 10 cents per minute, with a start fee of 4.54 cents plus your normal call charges.
Page 2 of 7 Retail Payment Services Information Sheet
January 2014
software and firewall, must be legal and up to date. Also
regularly update the plug-ins you use. (Plug-ins are
additions to computer programs. Examples are Adobe
Reader, Adobe Flash, Microsoft Silverlight and Java.)
If you use a wireless internet connection, make sure this
connection is protected. And if your equipment is infected
with harmful software, this must be removed so that your
equipment can be used safely again.
You can report these situations in one of the following ways:
▶▶ Call us on 0900 - 0024 (€ 0.10 per minute from the
Netherlands)1 or on +31 10 282 07 24 (from abroad);
▶▶ Go to one of our branches in the Netherlands (during
office hours);
These telephone numbers are manned 7 days a week,
24 hours a day.
2. Direct Debits2
Logging in to ABN AMRO Internet Banking
To log in to ABN AMRO Internet Banking, follow the
instructions that are given in the secured environment. You
can make sure that you are in the secured environment by:
▶▶ checking the internet address. Is this spelled correctly
and does the internet address start with https://. The
‘s’ stands for ‘secured’ (=beveiligd)
▶▶ checking whether you see the padlock on the screen.
The padlock indicates you are in a secured environment.
By clicking on the padlock, you can see whether the
certificate has been granted to ABN AMRO Bank N.V.
Starting from the log-in screen, your session takes
place safely on the secured webpages of ABN AMRO
until you log out when the padlock is on the screen.
▶▶ checking the procedures. ABN AMRO always uses the
same procedures for e.g. logging in and approving
payments. If you ever notice any differences compared
to the normal procedure, immediately stop your internet
banking session. Try logging in on another computer
or try your own computer again later. If the different
procedure occurs again, contact us.
The only time you do not need to log in for Internet Banking
is when you make an iDEAL payment. Apart from this,
iDeal payments follow the normal Internet Banking
approval procedure. The checks mentioned above also
apply to the webpage on which you approve the payment.
Are you no longer certain your Internet Banking is secure?
If you believe your Internet Banking is no longer secure,
report this immediately to the bank. The following situations
must always be reported:
▶▶ you have used your codes in a manner that is not
permitted
▶▶ you notice that your Internet Banking codes have been
used to make a payment or set up a pending payment
without your knowledge
▶▶ an extra log-in screen appeared and you re-entered
your codes in this screen.
1
2
Different Types of Direct Debits
With the SEPA General Recurrent Direct Debit, you give a
written mandate that remains valid for repeated payments.
With the SEPA One-Off General Direct Debit you give a
written mandate that is valid only once for one payment.
Reversal
If you want to give an instruction for the reversal of a
direct debit, you can do this in one of the following ways:
▶▶ via the abnamro.nl website (if you use Internet Banking)
▶▶ by telephone on 0900 - 0024 (€ 0.10 per minute)1
▶▶ at one of the bank’s branches.
In the Retail Payment Services Conditions you can read in
what situations you can instruct the bank to reverse a direct
debit without stating reasons or no authorised mandate
was given. With a reversal without stating reasons, the
bank transfers the amount back to your current account as
promptly as possible, but within no more than 10 Business
Days. If you want the amount to be reversed because no
authorised mandate was given, the bank will try to transfer
the money back within 30 calendar days. The bank will refund
any interest you have lost due to the incorrect direct debit.
Notification of reversal or refusal by bank
The reversal is shown in your account statement. If a
payment has been refused, the bank will notify you via
Internet Banking or in a letter.
Instruction to block direct debits
If you wish to refuse a direct debit, you can instruct the
bank to block this direct debit. The various options for
blocking a direct debit can be read in Article 10.4 of the
Payment Services Conditions.
You can give the instruction:
▶▶ via Internet Banking
▶▶ by telephone on 0900 - 0024 (€ 0.10 per minute)1
▶▶ at one of the bank’s branches.
T his information number costs 10 cents per minute, with a start fee of 4.54 cents plus your normal call charges.
Some types of direct debit not mentioned here will be abolished on 31 January 2014 or other date that the bank will communicate to you. More information about these types of direct
debit can be requested from the bank.
Page 3 of 7 Retail Payment Services Information Sheet
January 2014
3. Business Days
The term ’Business Days’ is used in the Retail Payment
Services Conditions. Below you can find information
about which days count as business days.
The bank may also perform certain activities on nonbusiness days. However, only business days on which the
bank can perform all activities required for the execution
of a payment transaction count as a business day.
Clearly, when making a payment, you must also take
account of the business days of the beneficiary’s bank.
Order
Business Days
If the payment order can be All days
processed within ABN AMRO
Bank in the Netherlands
and was given
 electronically or
 by telephone on
0900 - 0024 or
 earlier for execution
on a future date
If you give the order in
writing or by telephone
via a branch or in the
case of withdrawals
and deposits
All days except Saturday, Sunday, New
Year’s Day, Good Friday, Easter Monday,
King’s Day, Labour Day, Liberation Day
(five-yearly), Ascension Day, Whit
Monday, Christmas Day, Boxing Day
Other orders
All days except Saturday, Sunday, New
Year’s Day, Good Friday, Easter Monday,
Labour Day, Christmas Day, Boxing Day
4. Limits
Limits apply, depending on the payment service and
method used to submit the payment order.
The limits stated below only apply if you have not agreed
alternative limits with the bank.
▶▶ iDEAL payment: € 10,000 per day
▶▶ Telephone transfer via 0900 - 0024 using the access
code
▶▶ to your own account at ABN AMRO: € 15,000 per day
▶▶ other: € 1,000 per day
▶▶ Telephone transfer via 0900 - 0024 using e.dentifier
▶▶ to your own account at ABN AMRO or other account:
€ 10,000 per day
▶▶ Transfer via Internet Banking using e.dentifier
▶▶ € 250,000 per transfer for payment orders in the
SEPA area
▶▶ € 50,000 per transfer for payment orders outside
the SEPA area or in foreign currency
▶▶ Transfer via Internet Banking/Mobile Banking using
identifier code
Page 4 of 7 Retail Payment Services Information Sheet
▶▶
▶▶
▶▶
▶▶
▶▶ t o your own accounts in the same name: € 250,000
per transfer
▶▶ from an account only in your name to your joint
account and vice versa: € 3,000 per transfer
▶▶ to accounts to which you have previously made
transfers in the preceding 18 months: the day limit
you have set yourself up to a maximum of € 750
▶▶ using e.dentifier after logging in with identifier code:
€ 3000 per order
Payment via ATM at home/abroad: € 2,500 per day
Loading Chipknip: € 500
Withdrawal from ABN AMRO ATM or abroad: € 500
per day
Withdrawal at ATM of other bank in the Netherlands:
once daily, max. € 250
Using your e.dentifier, you can change the following limits
via Internet Banking or Mobile Banking:
▶▶ limit for payments via POS Terminals
▶▶ limit for loading your Chipknip
▶▶ limit for cash withdrawals at ABN AMRO ATMs
▶▶ imit for cash withdrawals abroad
You can also request the bank to change these limits.
Lower limits may apply to payments via POS Terminals and
cash withdrawals abroad. The bank cannot change these.
The use of the bank card abroad can be restricted to
countries within Europe. You can always ask the bank
whether your bank card is activated for Europe only or
for worldwide use. You can also check this yourself via
your payment profile in Internet Banking. If you want to
change your bank card from Europe-only to worldwide
use or vice versa, you can do this yourself via Internet
Banking or by asking the bank. If you do not use the
bank card outside Europe, the bank advises you to opt
for Europe-only use. This gives you better protection
against your bank card being misused.
The option of making transfers abroad via Internet
Banking can be blocked. You can check and change this
yourself via your payment profile in Internet Banking.
If you never make transfers abroad, the bank advises
you to block this option.
January 2014
Bank cards
5. Fees and Charges
Monthly fee Bank Card
Personal Package (Privé Pakket)
€
Monthly fee Savings Card
Opening fee
none
Monthly fee (including Personal
Account, Savings Account, one
Bank Card, Internet Banking,
Annual Financial Statement and
one Credit Card)*
€
Monthly fee (including Gold Card)
€
Replacement Bank Card
1.40
free
€
7.50
3.10
Account Statements
Monthly
5.20
free
Two-Weekly
€
0.85
per month
Weekly
€
1.70
per month
per month
* Every next Bank Card (maximum 5) € 0.70 per month or Credit Card € 10 or Gold Card € 25 per year.
Daily
€
5.00
Young Professional Package
Copy of account statement (once-only)*
€
5.00
Copy of Annual Financial
Statement
€
5.00
Opening fee
none
Monthly fee (including Personal
Account, Savings Account, one
Young Professional Bank Card,
Internet Banking, Annual Financial
Statement and one Credit Card)*
€
Monthly fee (including Gold Card)
€
3.10
5.20
Monthly duplicate
€
0.45
per month
Two-weekly duplicate
€
0.85
per month
Weekly duplicate
€
1.70
per month
Daily duplicate
€
5.00
per month
* Every next Bank Card (maximum 5) € 0.70 per month or Credit Card € 10 or Gold Card € 25 per year.
* Copies from before 1 July 2000 are subject to an hourly search fee. For more information, call 0900 - 0024
(€ 0.10 per minute)1.
Student Package
Internet Banking
Opening fee
none
Internet Banking incl. e.dentifier
Monthly fee (including Student
Account, Savings Account, one
Student Bank Card and Internet
Banking)
none
Extra e.dentifier
Annual fee Credit Card (optional)
free
€
Financial Diary
€
14.00
per year
free
Telephone Banking
Access Code (TIN Code)
Telephone number 0900 - 00241
Prestige Package (no longer available)
Monthly fee (including Personal
Account, Savings Account, one Bank
Card, Internet Banking, Annual
Financial Statement, ABN AMRO
Stand-by Service, Income Insurance
Plus and two Gold Cards)*
€
7.10
(no longer available)
free
€
Telephone number from abroad
+31 10 241 17 20
0.10
per minute
fee differs per country
Mobile Services
* Every next Bank Card (maximum 5) € 0.70 per month or Credit Card € 10 or Gold Card € 25 per year.
Personal Account (Privérekening)
Opening fee
Monthly fee
7.95
none
€
1.70
Young Person’s Growth Account (Jongerengroeirekening)
Opening fee
none
Monthly fee
none
Young Person’s Bank Card
free
Mobile banking
free
Text Services Subscription
free
Sent Text Messages
€
0.20
each
Sent email messages
€
0.05
each
Monthly fee with payment package
€
1.00
Monthly fee without payment package
€
1.50
ABN AMRO Stand-By Service
Switch Kit
Switching your payments to
ABN AMRO
free
Foreign Currency Account
1
Opening fee
€
40.00
Monthly fee
€
4.35
This information number costs 10 cents per minute, with a start fee of 4.54 cents, plus your normal call charges.
Page 5 of 7 Retail Payment Services Information Sheet
January 2014
Payment Orders
Below are listed the current charges for products and
services relating to payments and transfers.
Payment orders in euro within SEPA area*
Transfers
free
Transfers via one of our branches
€
11.50
Express payment via the internet
€
5.50
Express payment via one of our
branches
€
5.50
‘Acceptgiro’
free
Standing Order
free
Direct Debit
free
Transfer Forms per 22**
€
8.80
Bank envelopes per 25***
€
12.50
extra
Cheques up to an amount of €100
are credited to your account
almost immediately after we
receive them.
This credit entry is made ’under
usual reserve’, which means that
we can debit the amount from your
account if the cheque is not paid.
0.1% of the amount
Minimum fee
Maximum fee
Plus
(€ 0.50 each)
* S
EPA stands for Single Euro Payments Area. This comprises amongst others the EU countries,
Norway, Iceland, Liechtenstein and Switzerland.
** Forms can be ordered using your TIN-code by calling 0900 - 0024 (€ 0.10 per minute)1 or via one
of our branches.
*** Order via 0900 - 0024 (€ 0.10 per minute)1 or via one of our branches.
Payment orders in foreign currency and/or outside SEPA Area*
Transfer
0.1% of the amount minus € 4
€
€
€
7.00
70.00
15.00
€
€
€
7.00
70.00
35.00
extra charges:
 postage
 any charges of the foreign bank
Cheque clearance (collection)
The cheque is only credited to
your account after ABN AMRO
has received the amount from the
bank concerned.
0.1% of the amount
Minimum fee
Maximum fee
Plus
Minimum fee
Maximum fee
€
€
5.50
55.00
Order via form
€
11.50
extra
Order via one of our branches
€
11.50
extra
Express transfer via one of our
branches
€
5.50
extra
Express transfer via the internet
€
5.50
extra
Express transfer via a form
€
9.00
extra
Payments via POS Terminal
Transfer forms**
€
8.80
for 3 forms
With Bank Card in euros
OUR*** (all charges payable by payer)
fee per country
see abnamro.nl/tarieven
* S
EPA stands for Single Euro Payments Area. This comprises amongst others the EU countries,
Norway, Iceland, Liechtenstein and Switzerland.
** Forms can be ordered using your TIN-code by calling 0900 - 0024 (€ 0.10 per minute)1 or
via one of our branches.
*** With ‘OUR’ charges, you pay both the charges of ABN AMRO and the charges of the foreign
bank.
Payments received from abroad
Transfer in euro within SEPA Area
free
Transfer outside SEPA Area or in
Foreign Currency
0.1%
(min. € 7.00 en
max. € 70.00)
Other charges for payment orders in foreign currency and/or outside
SEPA Area*
Completion charge
Fee for completing or correcting
a transfer form
Under Usual Reserve
Cheques
Cheque Settlement
€
20.00
extra charges:
 postage
 any charges of the foreign bank
 query charges, if applicable
With Bank Card* in foreign currency
free in euro countries
€
0.15
and 1.2% foreign exchange
margin
* With a Prestige Package and Student Package you only pay a foreign exchange margin.
Withdrawal via ATMs in euros
With Bank Card*
free in euro countries
* With a savings card it is only possible to make cash withdrawals in the Netherlands at
ABN AMRO ATMs.
Withdrawal via ATMs in foreign currency
With Bank Card*
€
2.25
and 1.2% foreign exchange
margin
* With a Prestige and Student Package you only pay a foreign exchange margin.
Buying/selling foreign exchange in ABN AMRO branches at Schiphol
Foreign currency < € 200.00
Claims and/or queries
€
25.00
Foreign currency > € 200.00
Handling fees for cancelled
payments
€
25.00
and any charges of the
foreign bank
Foreign currency at other
ABN AMRO branches
€
3.25
per transaction
free
€
3.25
per transaction
* S
EPA stands for Single Euro Payments Area. This comprises amongst others the EU countries,
Norway, Iceland, Liechtenstein and Switzerland.
1
This information number costs 10 cents per minute, with a start fee of 4.54 cents, plus your normal call charges.
Page 6 of 7 Retail Payment Services Information Sheet
January 2014
Cash deposits
Via the ATM (euro banknotes)
Per customer 1st six
deposits per calendar
year free, thereafter
€ 2.80 per deposit + 0.25%
over paid amount.
6. Exchange rates
When you need to change foreign banknotes or make
payments via your current account in a non-euro currency,
the bank applies exchange rates which are published
daily by the bank. You can find these at abnamro.nl or
by asking the bank. If you deposit foreign banknotes in
an account in the same currency, the bank converts the
amount into euros first. If you pay or withdraw cash in
a non-euro currency via POS Terminals or ATMs abroad,
the bank converts the amount at the basic exchange
rate for bank card transactions with a margin of 1.2%.
Payments or withdrawals made with credit cards issued
by the bank are subject to the conditions provided with
these credit cards. The basic exchange rates for bank card
transactions are published daily by the bank. You can find
these at abnamro.nl or by asking the bank.
9. Sending of Written Payment Orders
Payment orders sent to us in writing must be directed to
the following address:
ABN AMRO Bank N.V.
Postbus 77777
3000 MA Rotterdam.
ABN AMRO Bank N.V., established at Amsterdam
Trade Register CoC Amsterdam, number 34334259
7. Interest on current account
The current interest rates can be found at abnamro.nl
You can also ask us for the current interest rates.
8.Value-dating
The value date is the day on which a credited or debited
amount is included in the interest calculation.
The following applies to payment transactions that are
covered by the Retail Payment Services Conditions.
If these payment transactions are made in euros or
another currency of an EEA country, the value date is
the date on which the bank credits or debits the amount
to your current account.
Only incoming payments from abroad may sometimes
be credited earlier than the value date. In this case, the
value date is the date on which the bank receives the
amount. This also only applies to payments in euros or
other currency of an EEA country. EEA countries are
the member states of the European Union and Iceland,
Norway and Liechtenstein.
Page 7 of 7 Retail Payment Services Information Sheet
January 2014