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ABN AMRO Zakelijk review

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

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Our verdict

ABN AMRO Zakelijk suits Dutch companies that bank with the bank and want purchase protection rather than a rewards scheme. Its business credit card charges €37.50 a year, and the rewards type is listed as none, so the value sits in the extras on the card.

Key facts

Best for
Dutch companies banking with ABN AMRO that want a business card with purchase protection at €37.50 a year.
Annual fee
€37.50 (Source, checked September 26, 2026)
Currency conversion fee
2.5% (Source, checked September 26, 2026)
Rewards type
None (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Legal entity
International Card Services (ICS) (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)
Audience
Business
Official website
abnamro.nl

Debit cards

Monthly fee
€1.50 (Source, checked September 26, 2026)
Currency conversion fee
2.5% (Source, checked September 26, 2026)
Card type
Debit (Source, checked September 26, 2026)
Legal entity
International Card Services (ICS) (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Support channels
Chat, Phone, Help-centre, Community (Source, checked September 26, 2026)
Audience
Business

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Purchase protection on almost all purchases, SafeGuard Support with advances and legal assistance, and a delivery guarantee.
  • A monthly account fee of €1.50 keeps the everyday cost of the linked current account down
  • Contactless, mobile wallet and Click to Pay payments, plus round the clock fraud prevention.

Cons

  • An annual fee of €37.50 on the business card sits well above the €0 median across the site
  • A currency conversion fee of 2.5% makes paying suppliers abroad costly

Ready to try ABN AMRO Zakelijk?

Scored 9.0 / 10 by DebitCue.

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Who it suits

  • Dutch companies that keep their current account at ABN AMRO and want a credit card for staff spending
  • Finance teams that want the purchase and travel protection listed in 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 and Additional travel accident insurance paying up to EUR 115,000 on the same card
  • Businesses that pay mainly in the euro and would rather avoid a 2.5% conversion fee

Who should look elsewhere

  • Anyone chasing cashback or points, since the rewards type here is none
  • Businesses after a free business card, as Wise charges £0 a year against €37.50 here
  • Companies that buy from suppliers in several currencies often, given a conversion fee of 2.5%

The company behind it

ABN AMRO Zakelijk is the business banking side of a Dutch bank, with NL given as the home country. The credit card itself is issued by International Card Services, named as the legal entity at International Card Services (ICS). Support runs through chat, phone and help centre, so you can chat, call, work through the help centre or read other business customers in the community.

How ABN AMRO Zakelijk compares

Where ABN AMRO Zakelijk is available

Available
Netherlands

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

Frequently asked questions

How much does the business credit card cost?+

The business credit card charges an annual fee of €37.50, and the current account it runs alongside costs €1.50 a month. That annual fee is well above the €0 median across the site, so the extras have to earn their place.

What rewards does the card pay?+

The rewards type is listed as none, so no points, miles or cashback come back on company spend. The value has to come from the protections instead, such as purchase protection on almost all purchases.

What does spending outside the euro area cost?+

A currency conversion fee of 2.5% applies on payments outside the euro area, above the 1% median across the site. Businesses buying from suppliers in other currencies pay that, so staying in a single currency is cheaper.

What protection comes with the card?+

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 and Additional travel accident insurance paying up to EUR 115,000 includes purchase protection covering almost all purchases, SafeGuard Support with advances and legal assistance, and travel accident insurance. A deposit guarantee also sits on credit card balances up to a cap per primary cardholder.

Is the money held on the card protected?+

A deposit guarantee applies to the credit card balances, up to a set amount per primary cardholder. The card is issued by International Card Services, listed as the legal entity at International Card Services (ICS), with NL given as the home country.

How do you pay with the card and check spending?+

You can pay by mobile wallet, Click to Pay or contactless, and online payments run through MasterCard SecureCode. Fraud prevention works around the clock under 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 and Additional travel accident insurance paying up to EUR 115,000, and the ICS Business App shows transactions and spending limits day and night.

Who can apply for this card?+

The card is aimed at businesses, with the audience listed as business. It suits owners and finance teams of Dutch companies that already bank with ABN AMRO, not individuals. Support runs through chat, phone and help centre.

What travel extras are bundled?+

A free Priority Pass Standard membership with lounge access, travel accident insurance, and baggage and flight delay cover all sit in 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 and Additional travel accident insurance paying up to EUR 115,000, alongside business offers and travel discounts through ICS Specials.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

ABN AMRO Zakelijk

Dutch companies banking with ABN AMRO that want a business card with purchase protection at €37.50 a year.

9.0/10See alternatives