Accounts & headline costs
Sections ↑ABN AMRO’s Dutch self-directed service is split between Basic and Plus. Basic narrows the investment universe and removes transaction charges for funds and ETFs, while Plus opens a much wider market and derivative catalogue and adds a fixed annual component. Both retain asset-based service fees, so “free ETF dealing” is not the complete annual cost of holding an ETF.[1][2][3]
Account comparison01
Basic and Plus at a glance
| Feature | Basic | Plus |
|---|---|---|
| Investment range | More than 2,400 funds, ETFs and selected shares | About 25,000 investments across 22 markets, including shares, options, bonds and structured products.Source 1Source 2Source 3 |
| Fixed annual fee | No separate fixed Plus charge | €48 a year in addition to service and transaction fees.Source 1Source 2 |
| Funds and ETFs | No transaction charge under current Basic pricing | Instrument/market tariff under Plus; service and product costs remain.Source 1Source 2 |
| Trading interface | ABN AMRO app and Internet Banking | App/Internet Banking plus My Dealingroom on desktop or tablet.Source 4Source 9 |
Pricing & charges02
Asset-based service fee bands
Broker essentials03
Opening and account mechanics
| Measure | Value | Context |
|---|---|---|
| Starting amount | From €20 | The service is not a deposit account and the amount does not establish suitability.Source 1 |
| Cash settlement | Orders require sufficient settlement cash | A periodic instruction can be skipped when the balance is insufficient.Source 5 |
| Portfolio closure | Sell or transfer holdings, then close the investment account | A zero-balance investment account can be closed automatically after 15 months.Source 8 |
| Regulatory identity | ABN AMRO Bank N.V. appears in the AFM investment-services register | As a credit institution, its banking licence context and investment-conduct supervision should not be conflated.Source 10 |
Products & platforms
Sections ↑Availability04
Product scope
| Category | Basic | Plus / boundary |
|---|---|---|
| Funds and ETFs | Core catalogue with no Basic transaction fee | Plus offers a broader set; product expenses remain in both.Source 1Source 2 |
| Shares | Selected Basic universe | Wider domestic and international market access.Source 1Source 2 |
| Options and other derivatives | Not the defining Basic route | Available in Plus subject to permission, market and product risk.Source 2 |
| Bonds, turbos and structured products | Limited or unavailable in Basic | Broader Plus catalogue with instrument-specific costs and liquidity.Source 2 |
Platforms & products05
Platform and device routes
| Interface | Capability | Restriction |
|---|---|---|
| ABN AMRO app | Portfolio administration and supported orders | Product and order controls depend on the account.Source 4 |
| Internet Banking | Order entry, reports and account administration | Authentication and availability remain necessary.Source 4Source 7 |
| My Dealingroom | Plus market information and trading workspace | Designed for desktop/tablet; the support page says not for smartphones.Source 9 |
| Periodic instruction | Scheduled investment in supported funds | Insufficient cash causes a skip rather than an unauthorised debit.Source 4Source 5 |
Fees & holding costs
Sections ↑Pricing & charges06
Selected transaction economics
| Item | Basic | Plus / qualification |
|---|---|---|
| Funds and ETFs | €0 transaction fee | Use the Plus market/instrument schedule; service fee and product expenses remain.Source 1Source 2 |
| Shares | €5 + 0.05% per transaction under Basic | Plus uses its product and market schedule.Source 1Source 2 |
| Fixed service charge | None beyond asset-based service fee | €48 annually.Source 2 |
| Transfer service reimbursement | Up to €1,500 per year under current conditions | Reimburses eligible documented costs, not market loss or tax.Source 6 |
Pricing & charges07
Illustrative annual service fee
The Basic share tariff makes a €5,000 share purchase €7.50 before spread and taxes: €5 plus 0.05% of €5,000. A Basic ETF purchase can have no transaction charge while still attracting the asset-based service fee and the ETF’s own ongoing cost.[1]
Execution & trading rules
Sections ↑Specifications08
Order controls
| Instruction or state | Published treatment | Consequence |
|---|---|---|
| Limit and validity | Set the price condition and term when placing the order | A limit may not execute and validity is market/instrument dependent.Source 4 |
| Outside market hours | Order can be queued for the next session | Acceptance is not immediate execution.Source 4 |
| Cancellation | Use the order/to-do area while cancellation remains possible | An already executed or market-released order cannot be assumed cancelled.Source 4 |
| Periodic fund order | Scheduled supported-fund instruction | A cash shortfall skips the order; it does not automatically borrow.Source 5 |
Plus expands instruments and tools but does not make every security liquid or every order type available on every venue. The live order ticket and the current product documentation determine the instruction, trading currency and cost.[2][4]
Deposits, withdrawals & transfers
Sections ↑Transfer terms09
Cash and portfolio movement
| Action | Published route | Important distinction |
|---|---|---|
| Fund the investment account | Transfer cash through the linked ABN AMRO banking relationship | Usable settlement cash is distinct from portfolio value.Source 4 |
| Withdraw cash | Sell where necessary, wait for availability and transfer through the account | Sale proceeds and bank-accessible cash can have different timing.Source 8 |
| Incoming portfolio transfer | Use the ABN AMRO transfer service | Eligibility, cost evidence and receiving capability determine reimbursement.Source 6 |
| Stop investing | Sell or transfer holdings, then close | Closing the instruction or account does not itself sell unsupported positions unless ordered.Source 8 |
Reference table10
Transfer reimbursement conditions
| Element | Published position | Boundary |
|---|---|---|
| Maximum | Up to €1,500 per calendar year | Only eligible transfer costs under current terms.Source 6 |
| Evidence | Provide required cost and transfer information | A flat assumed reimbursement is not guaranteed.Source 6 |
| Unsupported security | May need sale or a different custodian route | Price movement and tax are not transfer-fee reimbursement items.Source 6 |
| Closure timing | Keep the source account open until all assets and cash arrive | Partial delivery can occur.Source 6Source 8 |
Protection & regulation
Sections ↑Essentials11
Entity and register evidence
| Measure | Value | Context |
|---|---|---|
| Contracting institution | ABN AMRO Bank N.V. | The self-directed service is supplied within the Dutch bank relationship.Source 1Source 2 |
| AFM register | Named entry for ABN AMRO Bank N.V. as a credit institution offering investment services | The AFM explains that Dutch credit institutions hold a DNB licence and appear for investment-service scope.Source 10 |
| Service status | Active current product pages | A visible legacy promotion is not treated as current without live terms.Source 1Source 2 |
Protections & eligibility12
Protection boundaries
| Asset or route | Relevant arrangement | What remains at risk |
|---|---|---|
| Securities | Custody and client-asset rules under the bank’s investment service | Market loss and issuer default.Source 1Source 10 |
| Cash | Bank-account and investment-settlement treatment depends on where the cash sits | Do not apply a securities-compensation concept as if it were deposit insurance.Source 4Source 10 |
| Derivative/structured product | Issuer and product documentation in addition to intermediary rules | Leverage, counterparty and liquidity risk remain.Source 2 |
| Complaint | Bank first, then Kifid or another competent route where eligible | External eligibility and deadlines remain case-specific.Source 11Source 12 |
Opening an account & support
Sections ↑Process13
Application and maintenance
| Stage | Published process | Practical effect |
|---|---|---|
| Choose Basic or Plus | Compare product need and annual fee structure | Plus should not be chosen solely from a wider product count.Source 3 |
| Identity and bank relationship | Complete ABN AMRO onboarding and investment declarations | Product access and risk knowledge can affect permissions.Source 1Source 2 |
| Reports | Download statements and investment reports in app/Internet Banking | Retain records before closing or transferring.Source 7Source 8 |
| Complaint | Use ABN AMRO complaint procedure first | Kifid is a separate external route for eligible unresolved disputes.Source 11Source 12 |
Official support and complaint routes
ABN AMRO investment serviceWebsite
https://www.abnamro.nl/en/personal/investments/service/index.htmlSource 7
Scope Investment administration, reports and service entry points.
ABN AMRO complaintsWebsite
https://www.abnamro.nl/en/personal/contact/complaints.htmlSource 11
Scope Formal provider complaint process.
KifidWebsite
https://www.kifid.nl/complaint/Source 12
Scope Independent Dutch financial-services dispute route for eligible cases.
Additional services
Sections ↑Reference table14
Useful operating services
| Service | Published use | Boundary |
|---|---|---|
| Periodic fund investing | Automated scheduled investment in supported funds | Insufficient cash skips an execution; stopping future orders does not sell holdings.Source 4Source 5 |
| My Dealingroom | Plus analysis and trading interface | Desktop/tablet scope; app/Internet Banking remain alternative routes.Source 9 |
| Transfer service | Coordinates an incoming portfolio and eligible cost reimbursement | Does not promise that every security is transferable in specie.Source 6 |
| Automatic zero-balance closure | Investment account can close after 15 months at zero | This is account closure, not an inactivity fee on a funded portfolio.Source 8 |
Company background & evidence
Sections ↑The facts15
Research scope
| Measure | Value | Context |
|---|---|---|
| Service | Dutch retail self-directed investing | This profile does not cover private banking, discretionary management or every ABN AMRO product.Source 1Source 2 |
| Source check | 15 October 2026 | Current product, order, transfer and closure pages were used.Source 1Source 4Source 6Source 8 |
| Register check | AFM investment-firm register | The named bank appears in the current searchable register.Source 10 |
| Testing | No live account or order test | Execution, transfer, app availability and support were not measured.Source 7 |
Basic and Plus are not simply “cheap” and “advanced” labels. They change the investable universe, interface and fixed/transaction charges while retaining the same asset-based service-fee bands. The useful comparison follows the planned products and order activity.[1][2]
- Headquarters
- Amsterdam, Netherlands
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
ABN AMRO Bank N.V.
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Netherlands Authority for the Financial MarketsAFM register entry | Registered | Checked 15 Oct 2026AFM register includes ABN AMRO Bank N.V. as a credit institution offering investment services; the bank licence itself is under the Dutch prudential framework.Source 10 |
Additional Information
Sections ↑Reference table16
Checks before choosing or closing the service
| Check | Reason |
|---|---|
| Product eligibility | Basic and Plus have materially different catalogues.Source 3 |
| Annual cost layers | Service bands, Plus fixed fee and product/transaction costs stack.Source 1Source 2 |
| Device | My Dealingroom is not the smartphone interface.Source 9 |
| Cash before periodic order | A shortfall skips the execution.Source 5 |
| Transfer versus sale | An unsupported holding may require a different route with tax and market consequences.Source 6 |
This profile is an evidence-led reference to the Dutch self-directed service. It does not recommend a plan or imply live testing of order routing, transfers or support.
Sources & further reading
- Self-Directed Investing Basic: products, fees and entry point ABN AMRO · Accessed 15 Oct 2026
- Self-Directed Investing Plus: markets, tools and fees ABN AMRO · Accessed 15 Oct 2026
- Self-directed account comparison ABN AMRO · Accessed 15 Oct 2026
- Order entry, limit, validity, cancellation and periodic investing ABN AMRO · Accessed 15 Oct 2026
- Investment order service and insufficient-cash handling ABN AMRO · Accessed 15 Oct 2026
- Investment transfer service and reimbursement conditions ABN AMRO · Accessed 15 Oct 2026
- Statements, reports and investment administration ABN AMRO · Accessed 15 Oct 2026
- Stopping self-directed investing and zero-balance closure ABN AMRO · Accessed 15 Oct 2026
- My Dealingroom device and support scope ABN AMRO · Accessed 15 Oct 2026
- AFM register of investment firms and credit institutions offering investment services Netherlands Authority for the Financial Markets · Accessed 15 Oct 2026
- ABN AMRO complaint and escalation route ABN AMRO · Accessed 15 Oct 2026
- Kifid financial-services complaint process Kifid · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.