Head to head · 2026
ABN AMRO Credit Card vs N26 Mastercard
How these two credit cards stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
N26 Mastercard is the stronger pick for most expats.
- Monthly fee: €0 vs €2.55/mo
- Foreign transaction fee: 1.70% vs 2.00%
- Minimum income: None stated vs €1,500/mo
- BKR credit check: Not required vs Required
ABN AMRO
ABN AMRO Credit Card
Standard Mastercard for ABN AMRO customers. Good English-language support and easy application if you already bank with ABN.
N26
Our pickN26 Mastercard
Free debit Mastercard from German neobank N26. Excellent app, no foreign transaction fees in eurozone. Great for everyday spending and travel within Europe.
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Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
ABN AMRO Credit Card
What we like
- Easy if you have ABN AMRO account
- 180-day purchase protection
- English portal and support
- Travel delay insurance
What to consider
- 2% foreign transaction fee
- No rewards program
- Requires €1,500/month net income
- Must have ABN AMRO account
N26 Mastercard
What we like
- No annual fee
- No fees in eurozone
- Excellent mobile app
- Instant notifications
- Free ATM withdrawals (limited)
What to consider
- Debit card, not true credit
- ATM withdrawal limits on free tier
- 1.7% fee outside eurozone
- No rewards program
Frequently asked
Is ABN AMRO Credit Card or N26 Mastercard better for expats in the Netherlands?
N26 Mastercard is the stronger all-round pick for most expats. Monthly fee: €0 vs €2.55/mo
Which card has lower fees abroad, ABN AMRO Credit Card or N26 Mastercard?
N26 Mastercard is cheaper abroad, with a 1.70% foreign transaction fee.
Do ABN AMRO Credit Card and N26 Mastercard require a BKR credit check?
ABN AMRO Credit Card requires a BKR credit check, and N26 Mastercard does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.