If money is tight, Rood Staan will allow you to temporarily draw more money than there is in your account, up to a limit that equals your net monthly income. And when you are not overdrawn, you will not pay interest either. Rood Staan is easy to apply for online. You can do this on Internet Banking or in the ABN AMRO app.
You can only apply for an overdraft facility online on Internet Banking or in the ABN AMRO app.
We will check carefully whether you can have an overdraft and what your maximum overdraft will be. In some cases, we may turn down an overdraft application. If necessary, we will ask you to send in certain documents.
You can use your overdraft right away for iDEAL payments or money transfers. Within 2 working days, you can also use your overdraft to withdraw money at ATMs and make card payments at shops.
You can only apply for an overdraft facility online on Internet Banking or in the ABN AMRO app.
We will check carefully whether you can have an overdraft and what your maximum overdraft will be. In some cases, we may turn down an overdraft application. If necessary, we will ask you to send in certain documents.
You can use your overdraft right away for iDEAL payments or money transfers. Within 2 working days, you can also use your overdraft to withdraw money at ATMs and make card payments at shops.
The interest you pay is variable. This means that it may change at any time. Find out how we determine the interest amount here. Important information:
This is the highest interest rate lenders are permitted to charge for a loan. It comprises two parts:
The maximum credit fee is the sum of the statutory interest rate and the maximum surcharge. From 1 January 2025, this amounts to 14%.
From 1 January 2026, the overdraft interest rate will be linked to the maximum credit fee, which is currently 14%. This consists of a statutory interest rate of 6% and a surcharge of 8%, both determined by the government. This means the interest rate may change if the market rate changes or if the government makes adjustments. Below is an example of the potential costs. If the maximum interest rate changes, the calculation will change as well.
The cost of an overdraft depends on how long and how much you are overdrawn. Below is an example.
Interest calculation for a balance of -€1,000. Situation up to 31 December, with an interest rate of 9.9%.
| Number of days | Limit | Interest |
|---|---|---|
| 10 | €1,000.00 | €2.60 |
| 30 | €1,000.00 | €7.80 |
Interest calculation for a balance of -€1,000. Situation from 1 January 2026 with an interest rate of 14%.
| Number of days | Limit | Interest |
|---|---|---|
| 10 | €1,000.00 | €3.61 |
| 30 | €1,000.00 | €10.83 |
There is no fee for extra repayments. All you need to do is transfer money to your current account through Internet Banking or Mobile Banking, or make sure the money is transferred to your account.
Rood Staan is a form of borrowing. It's important that you can afford to repay your loan, even if you suffer a loss of income because you have lost your job or become incapacitated for work. Read the tips to avoid getting into the red.
Can't afford to repay your loan at this particular time? Find out how to deal with repayment problems or schedule an appointment with an adviser.
If you apply for Rood Staan, we will check your application with the Credit Registration Office (BKR). This is how we ensure that you do not borrow more than you can afford. If everything is in order, your loan will be registered with the BKR. Once you have repaid your loan, we will cancel your listing.
Then the conditions for overdrafts before 19 May 2025 apply. Interest will be linked to the maximum credit fee starting 1 January 2026. You will receive notification from us regarding this.
Then the new conditions for overdrafts apply, but you will still pay the current interest applicable to overdrafts. This interest is not yet linked to the maximum credit fee. As of 1 January 2026, the variable interest rate will always be as high as the maximum credit fee. This fee is determined by the government.
The interest you pay is variable. This means that it may change at any time. Find out how we determine the interest amount here. Important information:
This is the highest interest rate lenders are permitted to charge for a loan. It comprises two parts:
The maximum credit fee is the sum of the statutory interest rate and the maximum surcharge. From 1 January 2025, this amounts to 14%.
From 1 January 2026, the overdraft interest rate will be linked to the maximum credit fee, which is currently 14%. This consists of a statutory interest rate of 6% and a surcharge of 8%, both determined by the government. This means the interest rate may change if the market rate changes or if the government makes adjustments. Below is an example of the potential costs. If the maximum interest rate changes, the calculation will change as well.
The cost of an overdraft depends on how long and how much you are overdrawn. Below is an example.
Interest calculation for a balance of -€1,000. Situation up to 31 December, with an interest rate of 9.9%.
| Number of days | Limit | Interest |
|---|---|---|
| 10 | €1,000.00 | €2.60 |
| 30 | €1,000.00 | €7.80 |
Interest calculation for a balance of -€1,000. Situation from 1 January 2026 with an interest rate of 14%.
| Number of days | Limit | Interest |
|---|---|---|
| 10 | €1,000.00 | €3.61 |
| 30 | €1,000.00 | €10.83 |
There is no fee for extra repayments. All you need to do is transfer money to your current account through Internet Banking or Mobile Banking, or make sure the money is transferred to your account.
Rood Staan is a form of borrowing. It's important that you can afford to repay your loan, even if you suffer a loss of income because you have lost your job or become incapacitated for work. Read the tips to avoid getting into the red.
Can't afford to repay your loan at this particular time? Find out how to deal with repayment problems or schedule an appointment with an adviser.
If you apply for Rood Staan, we will check your application with the Credit Registration Office (BKR). This is how we ensure that you do not borrow more than you can afford. If everything is in order, your loan will be registered with the BKR. Once you have repaid your loan, we will cancel your listing.
Then the conditions for overdrafts before 19 May 2025 apply. Interest will be linked to the maximum credit fee starting 1 January 2026. You will receive notification from us regarding this.
Then the new conditions for overdrafts apply, but you will still pay the current interest applicable to overdrafts. This interest is not yet linked to the maximum credit fee. As of 1 January 2026, the variable interest rate will always be as high as the maximum credit fee. This fee is determined by the government.
If you have any questions about having an overdraft, our staff at the Loans Desk are happy to help. In English, of course.
