What is the ABN AMRO Student Credit Card?
The ABN AMRO Student Mastercard is a free Mastercard specifically designed for students who hold their current account with ABN AMRO. The card offers a limited credit facility — typically €500 to €1,000 per month — or can be used as a prepaid option. This makes it possible to shop safely online, pay while travelling abroad and place a deposit at car rental companies.
To qualify, you need an ABN AMRO current account and proof of student status — an enrolment certificate from a recognised institution of higher education is sufficient. The card is fully integrated into the ABN AMRO app, allowing you to monitor your balance, transactions and spending limits in real time.
Contactless payments, Apple Pay and Google Pay are included as standard. The card functions as a regular Mastercard credit card with a credit BIN, which means it is accepted in most cases by car rental companies for deposits. The perfect first credit card experience during your student years.
Costs and conditions
The biggest advantage is the €0 annual fee — the card is completely free for as long as you are a student and maintain an ABN AMRO current account. There are no hidden charges for card management or inactivity. Fees may apply for use outside the euro zone or for cash withdrawals at ATMs.
The spending limit is between €500 and €1,000 per month, depending on your personal circumstances. If you pay the full balance each month, no interest is charged. If you do not pay in full, ABN AMRO charges the standard credit card interest rate. The student-specific terms apply as long as you remain enrolled at a recognised educational institution.
Applying is straightforward via the ABN AMRO app or website. Upload your enrolment certificate and the card will be delivered by post within a few working days. Note: you must already be an ABN AMRO customer. If you are not yet a customer, you need to open a current account before applying for the student credit card.
Benefits for students
The ABN AMRO Student Mastercard offers everything a student needs. Safe online shopping on international websites such as Amazon, Booking.com or Airbnb is possible without worrying about acceptance — Mastercard is accepted virtually everywhere worldwide. Payments in foreign currencies are also possible, though foreign exchange fees apply.
Apple Pay and Google Pay are fully supported, so you can pay without the physical card. Through the ABN AMRO app you can instantly block the card in case of loss or theft — a crucial feature for students who are frequently on the move. Using the credit card responsibly also allows you to start building a positive credit history early on, which will be useful for larger financial decisions later in life.
The card also offers basic purchase protection for online transactions. Thanks to the credit BIN, you can already access services that require a genuine credit card — such as car rental or hotel deposits — without needing an expensive regular credit card.
ABN AMRO Student vs other student cards
Compared to the ING Student credit card, both cards share a similar concept: free, limited spending limit, exclusive to bank customers. The main difference lies in the app integration and specific terms per bank. If you already bank with ING, the ING card is the logical choice. If you already bank with ABN AMRO, the ABN AMRO card is the natural option.
The N26 Standard card is free and requires neither student status nor a specific bank relationship. N26 is stronger for international payments (no foreign exchange surcharge in the basic version) but lacks the deep integration with a Dutch bank. For students who pay internationally frequently or do not want to open an ABN AMRO account, N26 is a serious alternative.
Revolut Standard offers more features than the ABN AMRO student card: free foreign payments up to a monthly limit, multiple currencies and no bank relationship required. For tech-savvy students who travel on a budget, Revolut is functionally richer. The ABN AMRO card wins on trust, Dutch customer service and seamless integration with your existing account.
ABN AMRO Student Credit Card — Pros & Cons
✓ Pros
✗ Cons
Frequently asked questions about the ABN AMRO Student Credit Card
Do I need to be an ABN AMRO customer already? +
What is the spending limit? +
How do I prove my student status? +
Is the BKR registration on my personal record? +
What happens after graduation? +
Compare the ABN AMRO Student Credit Card with all other student cards
Our AI compares all student credit cards against your situation — in 2 minutes you will know which card is the best fit for you.
⚡ Find Your Perfect Business Credit Card