ABN AMRO NL Zakelijk review

The debit card carries a monthly fee of €1.50. The business credit card is charged separately, with an annual fee of €37.50. Card currency conversion is priced at 2.5%. Both products sit under the same business banking relationship.

The bank is supervised in the Netherlands by De Nederlandsche Bank and the Autoriteit Financiele Markten. Card balances on the credit card sit under a deposit guarantee per primary cardholder, and purchase protection covers almost all purchases. Support runs on chat, phone and help centre.

The rewards type is none, so spending pays nothing back. What the credit card offers instead is insurance and assistance: SafeGuard Support advances and legal assistance, travel accident, baggage delay and flight delay cover, a free Priority Pass Standard membership, and ICS Specials business offers.

It is built for business customers, with an audience of business. The business focus runs through the products: transaction and spending limit insight sit in the ICS Business App, and the perks list business offers alongside travel discounts.

Currency conversion is charged at 2.5%, above what most listed cards charge: the median on the site is 1% and the upper quartile is 2.5%. Foreign spend costs more here than on cards with a lower conversion charge.

Both, and the two are charged differently. The payment card in the banking app is a debit card, the card type is debit, while the business credit card is the card kind credit. The monthly fee of €1.50 and the annual fee of €37.50 apply to the two cards separately.

The credit card costs €37.50 a year for purchase protection covering almost all purchases, a delivery and internet guarantee, travel accident, baggage delay and flight delay insurance, SafeGuard Support assistance, a free Priority Pass Standard membership with lounge access, and fraud prevention.