Head-to-head
ABN AMRO vs KBC: which is better in Europe? (2026)
Quick answer
ABN AMRO scores higher overall (74 vs 70). Below is exactly where each one wins.
Last updated 15 August 2026 · Cross-checked against official sources
Data reviewed by Ilya ChernetskiyFounder and editor, nomoneda
This head-to-head was generated from our rankings: both services appear in the same shortlists. The facts and scores below are the same ones used everywhere else on the site.
At a glance
| ABN AMRO | KBC | |
|---|---|---|
| Score | 74 | 70 |
| No DNI | No | No |
| Holds USD | No | No |
| USD APY | — | — |
| Cashback | No | No |
| FX model | Card: Mastercard rate + published valutakoersopslag. Transfers: ABN AMRO's own buy/sell rates, markup percentage not published | KBC reference rates containing a standard 1% margin on payments involving currency conversion, plus a separate wisselprovisie on card use outside the eurozone |
| Docs needed | Needs BSN/Dutch address; expat-friendly onboarding | Needs Belgian address; branch may be required |
Bottom line
ABN AMRO74/100
Deposit protection: DGS €100k (NL)
FAQ
- ABN AMRO or KBC — which is better?
- ABN AMRO scores higher overall in our ranking, but the right choice depends on whether you prioritise fees, USD support or onboarding.
- Can I use both?
- Yes — many relocants keep one for receiving USD and another for daily spending.