ABN AMRO

Universal bank · Amsterdam, Netherlands

ABN AMRO is the third-largest Dutch bank, majority state-owned after its 2008 nationalisation and relisted in 2015. It focuses on the Netherlands and Northwest Europe: it bought German private bank Hauck Aufhäuser Lampe (completed July 2025) and NIBC (completed August 2026) and is winding down asset-based finance in the UK and Germany. It reported a 15.9% CET1 ratio and EUR 781m net profit in Q2 2026. Business packages start at EUR 9.90 per month. It owns the Tikkie payment-request app with over 37,000 business users.

Legal name: ABN AMRO Bank N.V.
Regulated by: ECB (Single Supervisory Mechanism), De Nederlandsche Bank (DNB), AFM (Netherlands), BaFin (German subsidiaries)
Licence confirmed: yes, on a regulator's own list
Established: 1991
Website: www.abnamro.com

Scores, 0 to 10

8.0Europe (EU, EEA, Switzerland)

Full Dutch retail and business bank with private banking in Germany, Belgium and France; over 60% of loans are Dutch mortgages · source

8.0Financial strength & stability

CET1 15.9% at Q2 2026 and ratings of A positive / A1 / AA-, not a G-SIB; EUR 8.5m DNB fine in July 2026 · source

6.0Cross-border payments, FX and multi-currency accounts

International transfers cost EUR 9 plus a per-country charge under OUR; a foreign exchange centre with rates is available to commercial clients Commercial banking offers international payments, treasury management and a foreign exchange centre, but the international footprint outside Northwest Europe is being reduced · source

6.0Lowest fees

Volop Ondernemen Slim costs EUR 9.90 per month with EUR 0.12 per SEPA transfer and the first three package months free · source

6.0Fast digital onboarding

Online request takes 5 minutes followed by due diligence; a third-party guide reports non-resident BVs face manual review and letterbox companies are rejected · source

6.0Online businesses: e-commerce and SaaS

Tikkie Zakelijk gives businesses payment requests and bundled payouts via API; over 37,000 business users received more than EUR 930m in 2025 ABN AMRO has transaction banking hubs in Amsterdam, Antwerp, Frankfurt and Paris, but no API-first or software-company account product was found on the pages opened today. · source

6.0Crypto wallet and custody for a business

ABN AMRO's German subsidiary Hauck Aufhauser Digital Custody received a BaFin MiCAR authorisation on 28 November 2025 for crypto custody and transfer services, but it serves institutional clients such as funds and banks, and ABN AMRO's Dutch business accounts hold no crypto; the capability sits in the subsidiary, not the parent bank. · source

5.5Trade, manufacturing & import-export

Provides trade finance facilities and guarantees from the UK and Netherlands, but announced in November 2024 it will wind down international asset-based financing · source

5.0Crypto-friendly bank

No policy on banking crypto businesses published; ABN AMRO offers no direct retail crypto trading but launched crypto ETPs in April 2026 and its German unit holds a MiCAR custody licence for institutions · source

5.0Startups & VC-backed companies

Volop Ondernemen package with three free months; startups treated as regular SMEs with due diligence fees for some legal forms · source

5.0Off-ramp: crypto to fiat in a business account

Exchange proceeds are accepted but checked; in April 2026 a court let ABN AMRO close a trader's accounts after he could not explain about EUR 144,000 of deposits from Coinbase, which shows a source-of-funds process exists but is not published. · source

5.0Bitcoin

Since 16 April 2026 clients can buy physically backed bitcoin ETPs and capital protected notes, which is price exposure only, while direct bitcoin custody and transfer is limited to institutional clients of the German custody subsidiary. · source

5.0Ethereum

Ether is available as ETPs and notes since April 2026 and through the German subsidiary's institutional MiCAR custody, with no staking or business-account ether found, checked September 2026. · source

4.5Fintech companies that need a partner bank

No public safeguarding or BaaS offer; a Developer Portal exposes Tikkie and IBAN-Name Check APIs to Dutch business clients · source

4.5Business cards (Visa, Mastercard)

ABN AMRO's Dutch business card pages returned only a generic title today, so networks, fees and virtual card options could not be verified; the group runs International Card Services as its card issuer. · source

4.5On-ramp: buy crypto with fiat

ABN AMRO sells no crypto to companies and has a record of tough treatment of crypto clients, including a bid to close the accounts of Bitcoin ATM operator Byelex that an Amsterdam court blocked in 2024. · source

4.0United Kingdom

UK branch provides corporate lending such as a EUR 110m trade finance facility increase, while asset-based finance is being wound down by end-2026 · source

4.0Best interest on business balances

Zakelijk Flexibel Sparen pays 1.25% up to EUR 100,000 after a cut from 1.50% on 1 May 2025 · source

4.0Foreign-owned & non-resident companies

ABN AMRO business banking is offered through its Netherlands entity and branches in Belgium, Germany, France, UK, Norway and Greece; no remote onboarding for owners abroad is published. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, adult, cannabis or forex clients was found on the ABN AMRO pages opened today. · source

2.0Customer satisfaction

Trustpilot TrustScore 1.4 from 2,184 reviews for abnamro.nl · source

2.0Stablecoins (USDC, USDT and others)

ABN AMRO joined the Qivalis euro stablecoin consortium in May 2026, but Qivalis still had no DNB licence in September 2026, and the bank offers no stablecoin accounts or payouts today. · source

1.0Accept crypto payments

ABN AMRO's merchant products cover cards, iDEAL and Wero through its EMS joint venture and developer APIs, and no crypto or stablecoin acceptance was found, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.