ABN AMRO Business Card
Easy, safe, and clear
Annual fee:
- Basic business credit card
- For the self-employed and owners of small and medium-sized businesses (small)
- Also for starting entrepreneurs
- Insurance and guarantees included
- Enjoy business offers with ICS Specials
With the ABN AMRO Business Card, you can make payments globally, both online and in-store. Gain round-the-clock access to transaction details, spending limits, and account summaries for all cardholders. This way, you stay informed about your business expenses. This credit card is issued by our subsidiary, International Card Services (ICS).
Features of the Business Card
This is an ABN AMRO Business Card
A business credit card for owners of small and medium-sized businesses. It enables you and your employees to pay for purchases and withdraw cash in the Netherlands and abroad. The ABN AMRO Business Card is issued by ICS, one of our subsidiaries.
The ABN AMRO Business Card enables all of these features.
- Globally accepted ICS Mastercard, suitable for contactless payments
- 24/7 online overview of your transactions and those of your employees
- Set a spending limit (within the options available for your company)
- With 180-day Purchase Protection, Delivery Guarantee, and 24/7 Fraud Prevention
- SafeGuard Support: assistance during travel mishaps, worldwide
- Enjoy business offers with ICS Specials
Keep track with My ICS Business
Via the My ICS Business online portal, you can track company spending. Each month, you and your team get an email when the new account statement is online. You can download, print, and export the statement to your accounting system in CSV or Excel. You can view transactions 24/7.
Suitable for
The ABN AMRO Business Card caters to independent professionals and entrepreneurs in the SME sector who have a business account with ABN AMRO. New entrepreneurs can also apply for this credit card.
Fees
An ABN AMRO Business Card costs € 37,50 per year.
Conditions
You can apply for an ABN AMRO Business Card if:
- You have a business account at ABN AMRO
- Your company is registered in the Trade Register of the Chamber of Commerce (KVK)
- Your company has a permanent address in the Netherlands
- No legal proceedings are pending against you or your company for non-payment
- You do not have a negative registration with Bureau Kredietregistratie (BKR) in Tiel. This requirement applies to all natural persons
- You are 18 years of age or older
Was your company established less than 2 years ago?
You can apply for a business loan of up to € 500.
In addition, cash withdrawals, gambling transactions and purchase of jewellery are not possible. To increase the spending limit, you can deposit money into your account via iDEAL.
Was your company established more than 2 years ago?
We will ask you to:
- Submit annual figures from the last 2 financial years (last financial year and the year before that), or;
- Have filed annual figures for the last 2 financial years (last financial year and the year before that) with the Chamber of Commerce.
Includes the following insurances and guarantees
Purchase protection insurance
Nearly all purchases paid for with your credit card are covered against loss, theft or damage for 180 days.
SafeGuard Support
Worldwide assistance for emergencies during a trip. (Advances of up to € 4.600 and legal aid up to € 1.400).
Additional travel accident insurance
Were you involved in an accident while using public transport, a rental car, or a chartered aircraft? If the expenses were covered using the Business Card, the insurance provides up to €115,000 in case of death or specific types of disability.
Luggage delay insurance (for scheduled flights)
If you experience a delay of 4 to 48 hours, your essential purchases, such as clothing and toiletries, are covered up to €140. If the delay extends beyond 48 hours, you receive an additional reimbursement of up to €410 per travel group.
Flight delay insurance (for scheduled flights)
If your flight is delayed for over 4 hours, you're covered for up to € 140 for the cost of meals (food and drink).
Delivery and internet guarantee
Occasionally, an item purchased online with your credit card might not be delivered. In such cases, first reach out to the supplier. If you're unable to resolve the issue together, ICS will reverse the payment for you.
Additionally, you're safeguarded against internet fraud. If someone misuses your credit card details for online purchases, you'll be reimbursed.
24/7 fraud prevention
ICS tracks payments made with your credit card 24/7. If they are seriously concerned about suspicious transactions, they will contact you immediately. If their suspicions about fraudulent transactions are confirmed, you will be fully refunded.
3D Secure
3D Secure (also known as Mastercard Identity Check) provides extra security for your online payments. It is a personal password, just like a PIN code. When you pay online with your credit card, you enter this password. This way, you're better protected against misuse. Make sure to keep your MasterCard SecureCode confidential.
CRS and deposit guarantee scheme
CRS
Since 2016, ABN AMRO has been under a legal duty to establish the country in which its clients are resident for tax purposes. We ask existing clients about this when they apply for a new credit card, as they then become a new client of International Card Services B.V. (ICS), the financial institution that manages credit cards for ABN AMRO. Read more about the Common Reporting Standard (CRS).
Deposit guarantee scheme
Credit on an ICS credit card is protected up to € 100.000 per primary cardholder under the deposit guarantee scheme. If the primary cardholder has several credit cards (issued by ICS), the total positive credit on all the cards will apply. Credit higher than the € 100.000 limit is not covered by the deposit guarantee scheme.
Questions and advice
If you have any questions about applying for an ABN AMRO Business Card, please call the ICS Business Service Desk on +31 (0)20 - 660 09 88 (usual charges apply). Lines are open Monday to Friday from 8.00 am to 6.00 pm.
How to apply for the ABN AMRO Business Card
Start the application
Click on 'Apply now'. You will be redirected to the website of ICS, our 100% subsidiary.
Enter your details
Fill in your company details here, such as your Chamber of Commerce number.
Sign
Digitally sign the information you have entered. Your application will then be processed.
Priority Pass: Access to over 1,600 airport lounges
With an ABN AMRO Business Card, you receive a limited-time complimentary Priority Pass Standard membership, valued at €89 per year. This grants you and your employees access to over 1,600 airport lounges, ensuring you embark on business trips well-rested.
Why choose the ABN AMRO Business Card
Set your preferences
Use your credit card the way you want. Set a limit, exclude transactions, and choose the day the statement is delivered. Also, select your preferred language (Dutch or English).
Take advantage of offers
With the ABN AMRO Business Card, you benefit from ICS Specials, specifically for entrepreneurs. For example, discounts on business products or travel benefits.
24/7 insight via the ICS app
With the ICS Business App, you always have insight into your transactions and spending limit. Or arrange an extra card for your employees here.
Business offers with ICS Specials
Maximize the benefits of your ABN AMRO Business Card through ICS Specials. Heading on a business trip? Take advantage of travel credits and discounts on your rental car and accommodations. Or, furnish your office or home workspace affordably with deals on office supplies.
Frequently asked questions
What is my monthly credit limit on an ABN AMRO Business Card?
You can request your own limit, but the amount authorised will depend on your company’s situation. ICS will assess the limit that is appropriate to your financial situation. To increase your spending limit, you can deposit money into your account via iDEAL.
How can I request an extra card?
If you already have an ABN AMRO Business Card and want to request one or more extra cards, complete the online application form through ICS. They will process your application.
How do I pay using the ABN AMRO Business Card?
You can pay for items in a shop (contactless or with a PIN) and online. You can also use your Business Card to make cash withdrawals from affiliated banks and/or cash machines. The credit card can be used at all locations displaying the Mastercard logo. This logo is shown on the front of your credit card.
The card will work digitally via a wallet or wearable, using Apple Pay or a Fitbit or Garmin smartwatch. The Conditions for Digital Business Credit Cards apply to these transactions.
How do I pay extra securely with MasterCard SecureCode?
Your payments are extra secure with MasterCard SecureCode, also known as 3D Secure. This is a personal password, similar to your PIN. When you make an online payment with your credit card, you enter this password. This way, you are better protected against misuse. Be sure to keep your MasterCard SecureCode confidential.
Creating the MasterCard SecureCode
The first time you make an online purchase using SecureCode, you will see a registration screen. Create a personal code here, just once. This code will serve as your password later. You can also use this personal code for secure payments on other websites.
Paying with Your MasterCard SecureCode
If you can pay online with MasterCard SecureCode, you will see its logo on your screen after entering your credit card number. A screen will automatically appear asking you to enter your password. By entering your password, you confirm the purchase. Not all online stores are affiliated with MasterCard SecureCode. On those websites, you can pay with your credit card as usual.
Forgot SecureCode
You can easily create your 3D Secure password during an online payment. Forgot your password? No worries, you can also reset it during the payment process.
How to Know If You Can Pay Securely with MasterCard SecureCode
Check in 6 steps during online shopping if the website is secure:
- Right-click in the screen with the MasterCard logos
- Select 'properties'
- Check if the server name '3dsecure.icscards.nl' is filled in at the address
- Right-click again in the screen
- Select 'certificate'
- Check if VeriSign has issued the security certificate for International Card Service B.V. under 'issued by'
How much cash can I withdraw and what does this cost?
Fees
Fee for cash withdrawals from a positive balance: 1% of the amount withdrawn, with a maximum of € 1,50.
Withdrawals from the credit limit: 4% of the amount withdrawn, with a minimum of € 4,50.
Limit
€ 3.000 per day. However, your company may have agreed a different limit so ask your contact.
New business owners with a € 500 company limit on their card cannot withdraw money from a cash machine.
How can I block my credit card if it is stolen or lost?
If you lose your credit card or if it is stolen, you can prevent misuse by blocking it immediately.
Blocking your credit card
Call ICS directly on +31 (0)20 - 660 06 11 (usual charges apply) to report your credit card missing and have it blocked. Once your credit card has been blocked, you will be insured against misuse.
Finding your credit card
If you find a credit card that you’ve reported missing, it will no longer be valid. Cut through the chip (on the front) and the hologram (on the reverse side) of this credit card.
Damaged credit card
Is your credit card damaged and no longer usable? Call the Business Card Service Desk at +31 (0)20 - 660 37 72 (usual charges apply).
How are ABN AMRO and ICS connected?
ICS is a full subsidiary of ABN AMRO Bank N.V.
