Banking in the Netherlands

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1 Banking in the Netherlands For the international clients of ABN AMRO All your day-to-day banking Including mortgages, loans, pensions and insurances Internet Banking in English

2 Banking in the Netherlands For the international clients of ABN AMRO Welcome to ABN AMRO, a bank with substantial international experience. We are happy to help you with all your day-to-day banking needs such as a payment account with debit card, internet banking in English and a credit card. We can also cater to your investment, mortgage, pension and insurance needs. We look forward to meeting and doing business with you soon. 2

3 Choosing the right bank for you Banking abroad may seem a complex business. But it can actually be very simple. ABN AMRO has the right people at the right place to help you. What s more, at ABN AMRO you have a single contact person for all your banking needs. That makes banking a lot easier. Knowledge of other countries ABN AMRO is a full-service bank with long-standing international experience. And that offers advantages. Our employees not only know the financial rules of other countries, many have actually worked abroad - which makes the choice for ABN AMRO easier for you. Experience with expats Many people who are temporarily posted to the Netherlands opt to bank with ABN AMRO. Our meetings with these clients and experiences with each and every one provide us with a wealth of information. This, in turn, enables us to continually improve our services. Banking anywhere in the world As a client of ABN AMRO, you can arrange your day-today banking from anywhere in the world - using your debit card, Internet Banking, the call center and, if you like, your credit card. What you get at ABN AMRO One bank for all your banking business Your own personal adviser or Preferred Banker Detailed documentation in English Internet Banking in English For more information, you can also visit Banking in the Netherlands 3

4 All your banking business in one package By arranging all your banking affairs in one place, you are always in control of your finances. That s why ABN AMRO offers the Personal Package to meet all your day-to-day banking needs. And if you have any specific financial requirements or want personal advice about a loan, mortgage, insurance or other services, we will help you make the right choices. Personal Package The ABN AMRO Personal Package is a quick and easy way to arrange all your day-to-day banking needs. The Personal Package includes as standard: Your Personal Account for all your banking transactions A debit card ( Wereldpas ) for making payments and cash withdrawals anywhere in the world The Annual Financial Summary - handy for filling in your tax return Internet Banking for online banking and instant access to your latest account information A savings account with an excellent interest rate Also available for couples If you are in the Netherlands together with your partner, why not arrange a Personal Package for both of you? It s easy and even better value for money. Handy: the Stand-By Service The Stand-By Service helps if your debit card, credit card or mobile telephone is lost or stolen. Your cards are immediately cancelled and replacements are arranged. Travelling abroad? We can also immediately organise replacement travel documents and an interpreter if necessary. You can expand the package free of charge to include: A credit card for even more payment convenience An overdraft facility (the Personal Credit Line Plus), should you temporarily need more money than you have in your account Telephone Banking for obtaining immediate information or conducting transactions What s more, the Personal Package entitles you to discounts on various products, such as insurances and the Stand-By Service. Our advisers are happy to talk you through the options. 4

5 What else can ABN AMRO do for you? In addition to your day-to-day banking, ABN AMRO can also help with any other financial needs you may have. A brief summary of the options is given below. Brochures in English are available for the various products. Or simply make an appointment with one of our advisers. Loans Are you planning a large purchase? Do you temporarily need extra financial flexibility? ABN AMRO has various loan options such as a Flexible Credit or a Personal Loan. Together we can find the best solution for you. Sensible borrowing We want to make sure our clients only take on the financial commitments they can handle, so ABN AMRO loans are subject to conditions. We will be happy to calculate how much you can borrow without overstretching yourself. Savings Would you like to put aside some money for a specific purpose - such as unforeseen expenditures or your children? Are you interested in the convenience of saving online? ABN AMRO can help with all your savings needs. Mortgages Choosing the right type of mortgage depends on your specific personal circumstances. Are you looking for the lowest possible monthly payment, certainty about your mortgage repayments, or maximum tax efficiency? ABN AMRO always has a mortgage to meet your needs. Box 1 (income tax) and Box 3 (wealth tax) Home purchase and improvement loans are eligible for mortgage interest relief under the income tax regime (Box 1). You can also opt to save to repay your mortgage under the wealth tax regime (Box 3). This gives you greater tax freedom, provided certain conditions are satisfied. With some types of mortgages you can choose between the Box 1 and Box 3 regime, while others limit your choice. Find out all the details before making your decision. Investments ABN AMRO offers a range of investment options from handling everything yourself from your computer to expert advice and personal assistance with your investment decisions. Discuss the best option for you with your adviser. Pension Want to build a nest egg for your retirement? Here, too, ABN AMRO can help. We offer a free savings-based option as well as an investment-based option which is only subject to a management fee. There are also other options, ask your adviser about the best pension solution for you. Insurance ABN AMRO can insure your car, house contents, foreign travel, personal liability and much more. We will be happy to give you all the information and advice you need. Health insurance Don t forget your health insurance needs. Your employer may arrange this for you. Be sure to check whether you are insured against occupational disability. More information about the products of ABN AMRO can be found at Banking in the Netherlands 5

6 Meet ABN AMRO Interested in banking with ABN AMRO? ABN AMRO can always be reached for advice, product information and financial assistance. More information This brochure provides a brief introduction to ABN AMRO. More information can be found at ABN AMRO has several brochures in English, which you can find at your local ABN AMRO branch or online. Contact us online You can also make an appointment for a meeting via Call ABN AMRO Interested in banking with us? Call (EUR 0.10 per minute) from the Netherlands or from abroad. The English translations have no legal force and are provided to the customer for convenience only. The conditions in the Dutch language shall be binding and prevail in all respects. The law of the Netherlands shall apply. ABN AMRO Bank N.V. is established at Gustav Mahlerlaan 10, 1082 PP Amsterdam (telephone number: , choose 4 for the English menu). ABN AMRO Bank N.V. is allowed to offer payment, savings and credit products, to act as intermediary for insurance and credit products and to offer and/or perform investment services. ABN AMRO Bank N.V. has been granted a banking licence by De Nederlandsche Bank N.V. (Dutch Central Bank) and is entered in the register of the Netherlands Authority for the Financial Markets (Autoriteit Financiële Markten, AFM). You can find information about ABN AMRO Bank N.V. s complaints procedures and the dispute bodies to which ABN AMRO N.V. belongs at or you can request it at telephone number You can also request the brochure Are you satisfied with our services?, with inficates how you can make your comments, suggestions or a compliant known. ABN AMRO Bank N.V. takes part in the Collectieve Garantie Regeling voor Terugbetaalbare Gelden en Beleggingen (Collective Guarantee Scheme for Loan and Investment Recoveries). Further information about this scheme is available via ABN AMRO Bank N.V. is entered in the Trade Register of the Amsterdam Chamber of Commerce under no The VAT identification number is NL B01. Banking Law Disclaimer ABN AMRO Bank N.V. is not licensed to conduct banking business or sell insurance products in the United States under applicable federal and state laws. Accordingly, any solicitation of retail banking services (including accepting and/or soliciting deposits), insurance services, mortgage and/or consumer lending services or credit card services by ABN AMRO Bank N.V. is not intended for US Persons. The offering, sale and/or distribution of this product or service can also be limited to other persons by the laws and regulations of other jurisdictions. Every (future) client is obliged to make inquiries after and comply with such restrictions. ABN AMRO Bank N.V. can not be held responsible for any damage that occurs from transactions and/or services in defiance with the restrictions aforementioned. Neither this document, nor any copy thereof may be sent to or taken into the United States or distributed in the United States or to a US Person. 6

7 Information and advice ABN AMRO can be contacted in various ways, 24 hours a day, 7 days a week. Advice For questions about ABN AMRO s products and services visit one of our bankshops or call us on (EUR 0.10 per minute) ABN AMRO brochures: Day-to-day money matters Payments Savings Internet Banking Insurance Internet For comprehensive information about our products and services go to: Homes Mortgages No rights may be derived from the contents of this publication. Subject to change without notice. Banking in the Netherlands 7

8 Information ABN AMRO (EUR 0.10 per minute) AA 6623 A 12-09

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