Objective Comparison
ING vs ABN AMRO vs Rabobank
Researched from 12 sites
- ING
-
ABN AMRO
Photo: apps.apple.com
- Rabobank
The Verdict
All three offer essential Dutch banking features like iDEAL and solid apps. Choose ING for the best mobile experience, ABN AMRO for established expat support, or Rabobank for competitive basic fees.
Detailed Attribute Comparison
| Attribute | ING | ABN AMRO | Rabobank |
|---|---|---|---|
| Monthly Maintenance Fee Determines the fixed monthly cost for your primary current account. |
€4.00 - €44.99 | €4.30 | €3.45 |
| Standard Cash Withdrawal Fee Important for avoiding unexpected costs when accessing physical cash. |
Free (in Euro) | Free up to €17,500/year | Free at Geldmaat, €0.83 otherwise |
| App Languages Crucial for navigating banking tasks easily in the Netherlands. |
English, Dutch | English, Dutch | English, Dutch |
| Payment Tech Integration Required for seamless modern payments and online shopping. |
iDEAL, Apple Pay, Google Pay, Garmin Pay | iDEAL, Apple Pay, Google Pay | iDEAL, Apple Pay, Google Pay |
| Mortgage Availability Essential for long-term home ownership planning. |
Yes, with energy label-based rates | Yes, with expert advisory services | Yes, largest provider in NL |
| Physical Branches Matters if you prefer in-person support for complex issues. |
Available (limited) | Available (limited) | Available (strong local focus) |
| Expat Onboarding Key for those new to the Dutch financial system. |
Fast, digital-first | Strong international focus, 25+ years | Standard expat support |
| Deposit Guarantee Ensures your funds are protected by law. |
Up to €100,000 (DGS) | Up to €100,000 (DGS) | Up to €100,000 (DGS) |
| Known issues Common pain points reported by existing customers. |
Long support wait times, account blocks (KYC), automated type change issues | Identity verification frustrations, long support wait times | Compliance/AML bureaucratic delays |
| Account Opening BSN Requirement Critical for recent arrivals waiting on government documents. |
Typically required | Can open without BSN temporarily | Typically required |
Sources
12 sites were read by a live web search while this comparison was written.
- strooptaal.app
- expatfocus.com
- nltaxguide.com
- hypotheker.nl
- ing.nl
- abnamro.nl
- rabobank.nl
- acemoneytransfer.com
- iamexpat.nl
- investfocusguide.com
- reddit.com
- apps.apple.com
Searches run:
- “ABN AMRO bank account fees app branches mortgages Netherlands”
- “compare ING ABN AMRO Rabobank Netherlands banking fees app branches mortgages”
- “Rabobank bank account fees app branches mortgages Netherlands”
- “ING.nl bank account fees app branches mortgages Netherlands”
- “ING Trustpilot Reddit user complaints Netherlands”
- “ABN AMRO Trustpilot Reddit user complaints Netherlands”
- “Rabobank Trustpilot Reddit user complaints Netherlands”
- “ING Netherlands complaints problems”
- “ING Netherlands bank account fees costs”
- “ING Netherlands branches availability”
- “ING Netherlands app features”
- “ING Netherlands mortgages options”
- “is ING Netherlands safe deposit guarantee”
- “ING Netherlands customer reviews Trustpilot Reddit”
- “ABN AMRO physical branches availability Netherlands”
- “ABN AMRO comparison ING Rabobank Netherlands fees mortgages app”
- “ABN AMRO site:abnamro.nl bank account fees Netherlands”
- “ABN AMRO app features and reviews Netherlands”
- “ABN AMRO Trustpilot reviews problems reported”
- “ABN AMRO Reddit banking experience Netherlands”