manual Helping you get started

June 2015

Internet Banking
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manual
Internet Banking
We are delighted that you have decided to use Internet Banking and would like to help you
get started. In this guide you will read all about how to get the most of certain Internet Banking
features. Visit abnamro.nl/internetbanking for more information and the latest updates.
Check abnamro.nl/manual for the latest version of this guide. If you have any questions, please call us
on 0900 - 9216*.

Secure Internet Banking

It is important that you always check whether your internet
connection is secure. Go to https://www.abnamro.nl/en and look
for the padlock icon in your browsers address bar. You will find it
to the right or to the left of the URL. You can now log in securely.

No padlock icon in your address bar?

This means that you are not in the secure Internet Banking
environment. Do not enter your details and close the page.
Go to https://www.abnamro.nl/en and try again.
For more information about secure Internet Banking,
check https://www.abnamro.nl/security

Logging in to Internet Banking

There are two ways of logging in: using your identification code
or using your card and e.dentifier. After logging in with your
identification code, you can quickly check your balance and transfer
small amounts to accounts you have used before. For some payment
orders and Internet Banking features, you will still need your card
and e.dentifier. This will be indicated by the e.dentifier icon shown
with the feature in question. After logging in using your card and
e.dentifier, you will be able to use all Internet Banking features
right away.

Want to log in using a (5-digit) identification code you

choose yourself?
To do so, simply enter your account number, card number
and your 5-digit identification code. If you already have an

* Usual call charges apply. Your telephone provider sets the rates.
3 Manual Internet Banking

identification code for Mobile Banking, you can use it to log in

to Internet Banking directly.

If you do not have a code yet, you can set a new 5-digit code by
clicking Choose identification code. The first time you use this
code, you will be asked to confirm it using your card and e.dentifier.

In terms of security, you should treat your identification code

the same as you do your debit cards PIN. For example, do
not share your identification code with anyone and do not
write it down. Also choose a code that is not easy to guess.
Make sure no one is looking over your shoulder while typing
key in your identification code.

Want to log in using your card and e.dentifier?

Enter your account number and card number, and follow the
instructions on screen to log in. To log in even faster, connect
the e.dentifier to your computer using the USB cable supplied.
You will then only have to key in your PIN to log in. When logging
in for the first time, you will have to download the software first
from abnamro.nl/ed

Checking your balance

After logging in, you will see your account(s) summary page.
Click on an account for a detailed view of your transactions.
To see details of a transfer, simply click on the transfer you want
to consult.

Making a transfer
1. C
 lick the yellow New transfer button in the top right-hand
corner.
2. In the From field, select the account from which you want to
make a transfer.
3. Enter the amount you want to transfer in the Amount field.
4. Fill in the recipients name and IBAN under To. Double-check
the IBAN to make sure it is correct. If you regularly make transfers
to the same account number, tick the save in address book box.
5. If you want, you can add a payment reference or description.
These are often specified on acceptgiros or invoices.
6. If you would like to make another transfer, click save and new
transfer. To send your payment right away, click continue.

Checking and sending your order

After you have entered your payment order, all you need to do is
send it. If you have entered one single order, you can either send
it immediately, or choose to do so later. You can also line up multiple
orders and send them all at once, so that you only have to use
your identification code or e.dentifier once.
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Sending a single payment order

1. After entering the order, you will get the verification screen.
Check whether you have entered all the details correctly and
click the yellow send now button in the bottom right-hand
corner.
2. S
 end your order using your identification code or your card
and e.dentifier. Follow the instructions on screen.

Sending multiple payment orders at once

1. After entering each order, click save and new transfer.
2. When you are finished, you can send all your orders all at once.
At the top of the screen, you will see your personal menu
with the Task list button. Clicking this button will display all
the orders you have entered.
3. You can still check whether you have entered the required
details correctly. If you find an error in the details, click the
order to edit it. If the details are correct, tick the orders and
send them using the select and send all button. You can
also send specific orders separately. To do so, tick the order
you want to send and click send selected tasks.
4. This will open a list of all the orders you are about to send.
Check whether the right orders are on this list and then click
the send button.
5. Send your order using your identification code or your card
and e.dentifier. Follow the instructions on screen.

Checking the status of your order

After you have sent your order, you will be taken back to your
account summary. Always check whether your order has been
processed correctly.
1. To check whether the payment order you sent is listed among
your transactions, click the account from which you sent the
payment.
2. If you do not see your payment order among your transactions,
check the In progress and rejected tab. Here you will find
payment orders that have not yet been processed or that have
been rejected.
3. The Scheduled and standing tab lists transfers that are not
made immediately, but on a specific date: scheduled payment
orders, standing orders and announced direct debits.

Want to print your transfer?

1. Click your account in the account summary.
2. Click the transaction you want to print.
3. Click the print icon in the transaction details.
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Reversing a direct debit

If an incorrect direct debit has been made from your account,
you can reverse it yourself.
1. F
 ind the direct debit by selecting Tools in your personal
menu at the top of your screen. Next, click Direct Debit
under Overviews.
2. You will now see two tabs: Dutch Direct Debits and IBAN
Direct Debits. On the IBAN Direct Debits tab, you will find
all direct debits that are fully compliant with the new IBAN
guidelines. Most of your direct debits will be on this tab. If the
one you need is not listed, check the Dutch Direct Debits
tab. This is where all direct debits that use your old (pre-IBAN)
account number format are listed.
Find your IBAN direct debit.
Click the magnifying glass for the direct debit you want to
reverse. This will open the details of the direct debit.
Reverse your IBAN direct debit using the Refuse & Send
option.
3. This will take you back to your task list. Follow the instructions
on screen to check and send your order.

International transfers
If you want to transfer funds abroad, you will first have to change
your payment profile. To protect your account, the international
transfer option is disabled by default. After you have changed
your payment profile, it will take 2 hours before you can start
making international transfers.

You can then transfer funds both within and outside Europe in
euros or another currency.

How to change your payment profile

1. Click Management in the top right-hand corner of your
personal menu. Next, click International transfer settings
under the header Payment profile.
2. You can choose for each account separately whether or not to
enable international transfers. We recommend that you only
enable this option for the account for which you need it.
3. We also recommend that you only activate international
transfers for the period during which you require this facility.
You can choose from the following options:
 llow international transfers for 1 day, 1 week, 1 month or
A
1 year. After this period has passed, the international transfer
option will automatically be disabled again.
 isable international transfers.
D
 ermanently enable international transfers. Only do this if
P
you make international transfers on a regular basis.
4. Send your order using your card and e.dentifier. If you activate
international transfers, this option will only be available after
2 hours to prevent abuse. If you deactivate the facility, this will
take effect immediately.
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European transfers using IBAN

When transferring funds to a European country, you will
generally use an IBAN. Setting up an IBAN payment order is
done in the same way as a regular payment order.

Non-European transfers without IBAN

If you want to transfer funds outside Europe and/or in a currency
other than the euro, you will not be using an IBAN and should
therefore follow these instructions.
1. Go to the Accounts tab and click New transfer.
S
 elect the account from which you want to transfer funds.
Select the currency for the transfer. If the currency you want is
not listed, click All currencies and select the currency you
need.
S
 elect the destination country for your transfer. If the
country you want is not listed, click All countries and
select the appropriate country.
E
 nter the amount you want to transfer. Key in the name and
account number. The latter can either be the IBAN or a bank
code. If you want, you can add a description.
2. When transferring funds outside Europe or in a currency other
than the euro, please fill in additional details, such as the address
of the person you are sending money to.
3. Enter the BIC for the recipients bank. If you do not know the
BIC, ask the recipient. If you are unable to find out the BIC,
select BIC unknown and enter the name and address of the
bank. We will then find the BIC for you, for which you will be
charged extra. These charges are always debited separately or
along with your monthly payment package fee.
4. Use your e.dentifier to send the international transfer.

Printing your account statements

1. In your personal menu at the top of the screen, click Tools.
This will open a page that contains the header Download.
Click Account statements and annual statement.
2. In the first drop-down menu, select the contract holder. Go to
the Select statements and summaries section. You will see
another drop-down menu here. Click the menu to select the
kind of statement you want to print.
3. Use the third drop-down menu to select the required account.
4. Use the fourth drop-down menu to select the Account
statement option.
5. S
 pecify the period for which you want to see an account
statement. Click OK.
6. Click the PDF icon to open your account statement. You can
choose to either open the account statement or save it to your
computer.
7. The account statement will open on your screen. Click print
to print it.
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Changing your debit card limit

You decide how much you want to be able to withdraw from
cash machines or spend on your card. This limit cannot exceed
the combined balance of your current and savings account. You
can also set a temporary limit, for example when you are going
on holiday.

If you send your limit request before 15.00 on a working day, it will
take effect from 10.00 the next day. If you send your request after
15.00, it will take two working days before you can use your limit.
1. Log in to Internet Banking using your e.dentifier.
2. Go to the Management tab.
3. Click Change cards limit under the header Payment profile.
4. First read the terms and conditions so that you can accept the
terms and conditions for a change to your limit. Click volgende.
5. E
 nter the card number of the card for which you want to
change the limit.
6. You can now choose whether to change the limit temporarily
(tijdelijk) or permanently (permanent). If you choose tijdelijk
wijzigen [temporarily], you are required to specify an end date.
7. Under gewenste limiet [required limit], please specify how
much you want to be able to withdraw or spend. Tick your
required option. This will open an entry field where you can
enter the amount.
8. After you have entered the amount, click volgende.
9. The screen that will now open lets you check whether you
have entered everything correctly. After checking, click
verzenden.

Settings for your debit card outside Europe

By default, your debit card is set to only allow PIN payments
and cash withdrawals in Europe to prevent criminals being able
to abuse your debit card. Cash machines in countries outside
Europe may be outdated and easier for criminals to manipulate
to withdraw cash from your account using your stolen debit card.
If you are travelling outside Europe, be sure to change the setting
for your debit card so that you can use it everywhere.

Here is how to change your payment profile:

1. Click Management in the top right-hand corner of your
personal menu.
G
 o to Payment profile.
Select Debit card settings outside Europe.
2. After you have entered your card number, you can specify
whether you want to be able to use your card only in Europe
or also outside Europe. Next, specify how long you want this
setting to apply.
You can enter a start date and an end date. This is the most
secure option.
You can also choose to always be able to use your card
outside Europe. This setting can be disabled at any time.
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3. Now enter your email address. You will receive a confirmation

of the change to your settings.
4. Accept, and click send.

Log off
When you have finished with Internet Banking, always log off
using the Log off button in the top right-hand corner of the
screen. By logging off, you will prevent others gaining access
to your bank details.
9 Manual Internet Banking

more information
and advice?
Advice
If you have any questions about our products and services, please visit one of our
branches. Or call 0900 - 81 70*, lines are open 24 hours a day, 7 days a week.

Brochures
Our other brochures are available from our branches, or you can call 0900 - 81 70*
to request a brochure.

About ABN AMRO About this brochure

ABN AMRO Bank N.V. is based at Gustav Mahlerlaan 10, 1082 PP Amsterdam (Netherlands).
The telephone number is 0900 - 81 70*. ABN AMRO Bank N.V.s website is abnamro.nl/en
ABN AMRO Bank N.V. is licensed by De Nederlandsche Bank N.V. and included in the registry of
the Netherlands Authority for the Financial Markets [Autoriteit Financile Markten, AFM] under
number 12020215. ABN AMRO Bank N.V. is supervised by the European Central Bank (ECB).
Information about ABN AMRO Bank N.V.s complaints scheme and dispute settlement authorities
with which ABN AMRO Bank N.V. is affiliated is available at abnamro.nl/allesnaarwens or can be
requested by calling 0800 - 024 07 12. You can also request the Alles naar wens [Is everything
to your satisfaction?] brochure for information on how to submit comments, suggestions or a
complaint.
The information in this brochure is of a general nature, and not tailored to your personal situation.
This brochure does therefore not advise you whether or not to do something. Any decisions you
make based on this information are at your own risk.
Although we try to only use reliable sources for the information in this brochure, we cannot
guarantee that all information is always accurate, complete or up-to-date.
If you would like to find out more about the subject of this brochure, please contact us.
This brochure is intended for our customers in the Netherlands. We are unable to guarantee that
the information in this brochure can also be used in other countries.

ABN AMRO Bank N.V. is registered in the Amsterdam Chamber of Commerce Trade
Register under number 34334259. ABN AMRO Bank N.V.s VAT identification number is
NL820646660B01.

* Usual call charges apply. Your telephone provider sets the rates.
abnamro.nl/en