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Open a joint account

Do your banking together

Joint account

Open a joint account
With 2 debit cards for only €4.75 a month
Open a joint account
With 2 debit cards for only €4.75 a month
  • Easy mobile banking
  • Pay via Google Pay or Apple Pay
  • 1 account for all your expenses 

Do your banking together

Whether you already have an ABN AMRO account or not, opening a joint account with us is easy. For a joint account and 2 debit cards, you pay  €4.75 a month. You can terminate the second debit card at any time.

As of 1 January 2025 we change the fees and conditions of our payment products. Read more about these changes.

How it works

  • Open your account
  • Both of you provide proof of your identity
  • Receive your debit cards

Once you’ve got your debit cards, you can easily open a savings account, take out insurance or apply for a credit card.

This is how you open a joint account with ABN AMRO

Both new

Find out how you can open a joint account if you are both not yet ABN AMRO customers.

One is customer

See how you can open a joint account if one of you is already an ABN AMRO customer.

Both customers

Find out how you can open a joint account if you are both already ABN AMRO customers.
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Switching banks without a hitch

If switching banks feels like a hassle, why not use our free switching service to transfer all your finances. Request the switching service once your account has been opened so that everything will run smoothly.

Frequently Asked Questions

How much does a joint account cost?

The joint account consists of a bank account with 2 debit cards and costs  €4.75  per month. 

What does the joint account contain?
The joint account contains a current account, two debit cards and access to online banking services. It is a flexible payment package, which means you choose what you want in addition to your basic package. For example, you may want to have a credit card. You only pay for what you use. If something changes, that's no problem. You can easily make changes online. Check out all the fees in one overview.
Can I convert a a single account into a joint account?

Do you want to convert a a single account into a joint account? Or conversely put your joint account in 1 name? Then we need the details of you and your co-applicant. You can make an appointment for a personal interview via Video Banking. This way, we can identify you and your co-applicant via your computer, tablet or smartphone. We are looking forward to seeing you!

Please note: You can only convert an account without an overdraft facility. If you want to keep the option of overdraft, you need to cancel your overdraft facility first. After your single account has been converted to a joint account, you can simply reapply for an overdraft facility.

Which forms of identification can I use to open an account at ABN AMRO?

You can open an account and identify yourself through the ABN AMRO app with the following forms of identification:

  • Dutch identity document (identity card, driving licence or passport)
  • International passport (except United States passport)
  • Residence permit (type I, II, III, IV, V, EU/EEA, EU/EEA family member)

See how to open a bank account through the ABN AMRO app.

You can open an account and identify yourself by appointment with the identity documents listed below:

  • Dutch identity document (identity card, driving licence or passport)
  • International identity document (except United States passport)
  • Residence permit (type I/IV)

Find out how to open a bank account via the website.

I have a passport from the United States. Can I open a current account?

In this case, you can only become a client at an ABN AMRO branch. Make an appointment at one of our branches to do this. You can do this by contacting us (standard call charges apply).

The identity document details that have been entered are incorrect. Can I still make changes?

After you upload your identity document, you will be asked to verify the details. You can change your name and date of birth if necessary. Your application may be rejected if the details cannot be properly verified. You can then restart the application.

Why do I need to provide an extract from the Municipal Personal Records Database (BRP)?

We want to be sure that you are who you say you are when you open an account. This helps us to prevent fraud, for example abuse of your current account. For this reason, one of the things we need from you is an extract from the Municipal Personal Records Database (BRP). You can request it yourself at your municipality. You can open the account even without the extract, but some features of your current account will not be available in this case, for example deposits and cash withdrawals.

Why do I need to identify myself?

All banks are required to verify the identity of their customers and ABN AMRO is no exception. This requirement is set out in the Dutch Money Laundering and Terrorist Financing (Prevention) Act and helps to prevent money laundering and the financing of terrorism.

What if my application is rejected?

You will receive information about the status of your application via SMS and e-mail within 4 hours after completing the application. Has your application been rejected? Then we will explain in the text message why your application has been rejected. In addition, you will see an 'error screen' in the ABN AMRO app. Here you can read what happened and what you can do.

Who signs the contract if I open a joint account?

If you open a joint account, you must both sign. After you have both signed, we will open the account and send you the debit cards and activation code.

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Who do you want to open an account with?

With my partner

If you and your partner are moving in together, it's useful to have a joint account. That way, you can easily share the rent or mortgage payments. It also gives you one clear summary of your other regular expenses.

With my parent(s) or grandparent(s)

If you are over the age of 18 and you have elderly parents or grandparents, it may help to open a joint account. This could be useful for doing grocery shopping for your parents or grandparents or to keep an extra eye on their finances. Alternatively, one of your parents or grandparents can authorise you to use their account. These options will have different implications when the parent or grandparent dies. This page explains the differences so that you can decide which option suits your situation best.

With my child who is a minor

You cannot open a joint account with your child if they are still a minor. Have you thought about opening a Young Person’s Growth Account for your child? This will help your child learn how to handle money and still gives you access to the account.

With my grandchild

You cannot open a current account with or for your grandchild if they are still a minor. If you want to save for your grandchild, a KidsFuture Savings Account may be a good solution.

For my foster child

You can only open a Young Person’s Growth Account for your foster child if you are their legal representative.

Who do you want to open an account with?

With my partner
With my parent(s) or grandparent(s)
With my child who is a minor
With my grandchild
For my foster child

With my partner

If you and your partner are moving in together, it's useful to have a joint account. That way, you can easily share the rent or mortgage payments. It also gives you one clear summary of your other regular expenses.

With my parent(s) or grandparent(s)

If you are over the age of 18 and you have elderly parents or grandparents, it may help to open a joint account. This could be useful for doing grocery shopping for your parents or grandparents or to keep an extra eye on their finances. Alternatively, one of your parents or grandparents can authorise you to use their account. These options will have different implications when the parent or grandparent dies. This page explains the differences so that you can decide which option suits your situation best.

With my child who is a minor

You cannot open a joint account with your child if they are still a minor. Have you thought about opening a Young Person’s Growth Account for your child? This will help your child learn how to handle money and still gives you access to the account.

With my grandchild

You cannot open a current account with or for your grandchild if they are still a minor. If you want to save for your grandchild, a KidsFuture Savings Account may be a good solution.

For my foster child

You can only open a Young Person’s Growth Account for your foster child if you are their legal representative.

Other useful information