abn creditcard service

Members Equity Bank Limited ABN 56 070 887 679 AFSL and Australian Credit Licence 229500. A business credit card gives you and your staff the freedom to make A range of secure and convenient online banking services that could save you time. CreditLine is a credit facility provided by Latitude Finance Australia ABN 42 008 583 588. Australian Credit Licence number 392145, 800 Collins Street. abn creditcard service

Abn creditcard service -

Payment methods

The Apple Online Store accepts a variety of payment methods. Click on a payment method below to find out more.

Some payment types are ineligible for orders shipping to multiple addresses. If you are using an ineligible payment type for an order shipping to multiple addresses, you will need to change the payment method, or ship your order to a single address.

Using more than one payment method

You can also combine payment methods to pay for your purchase. Choose from the following combinations of credit cards and Apple Gift Cards:

  • Apple Gift Card(s) - up to eight
  • Apple Gift Card(s) - up to eight + one credit card
  • Apple Gift Card(s) - up to eight + Apple Account Balance
  • Apple Gift Card(s) - up to eight + Apple Account Balance + one credit card
  • Apple Account Balance + one credit card

Apple Gift Cards and Apple Account Balance cannot be used with Apple Pay. Please note that you can use the value from all types and generations of Apple Gift Cards. For more details, see:

How to use Apple Gift Cards and App Store & iTunes Gift Cards

How to use Apple Store Gift Cards

During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.

Credit Cards or Debit Cards

Troubleshooting credit card & debit card payment errors

  • For a new or recently reissued card, the card needs to be activated first.
  • Check that the card details entered are correct, the card type (AMEX, Masters,Visa), card number and the expiration date.
  • Remove any dashes or spaces for the card number.
  • If you do not have sufficient credit limit, please check with your card issuer.
  • If you have exceeded your daily spending limit for your debit card, please check with your card issuer.
  • If everything seems to be correct, contact your card issuer. Your card issuer may need to verify with you before they authorise your purchase.

Account verification

To prevent any unnecessary delays in processing your order, please ensure that the billing address on your order and credit card account matches. If you have recently moved or are unsure of your billing address, please contact your credit card-issuer to confirm.

Security codes

The credit card security code is a unique three or four digit number printed on the front (American Express) or back (Visa/MasterCard) of your card.

American Express:

Visa/MasterCard:

Daily spending limits for Debit Cards

Most debit and credit cards have daily spending limits that may substantially delay the order processing, even if there is enough money in an account. When using a debit card, funds are immediately reserved in your bank account upon order placement. Please consult your card-issuer for more information about your daily spending limits if you are having trouble in placing your order.

When Apple charges your account

When you place an order, Apple will contact your credit or debit card's issuing bank to confirm it is a valid account. Apple requests an authorisation, which holds the funds for the full or partial purchase amount.

As Apple prepares your items, authorised funds will be unavailable and your card will only be charged after your order has shipped. If your order contains multiple items and they ship at different times, you may see multiple charges on your credit card statement.

If you cancel your order before it has been billed, Apple will contact the bank within 2 business days to request the authorisation reversal. Any authorisations placed on your credit or debit card account can take up to 30 days to reverse, depending on the credit card issuer. Contact your financial institution for their specific timeframes.

Credit cards accepted

    We accept:

  • American Express
  • MasterCard
  • Visa

If you are paying for your order with an international Visa, MasterCard, or American Express credit card, please note that the purchase price may fluctuate with exchange rates. In addition, your bank or credit card issuer may also charge you foreign conversion charges and fees, which may also increase the overall cost of your purchase. Please contact your bank or credit card issuer regarding these fees.

Apple Gift Cards

The Apple Gift Card was introduced in 2020 and is now the gift card to use for purchasing products, accessories, apps, games, music, movies, TV shows, iCloud and more from Apple. Apple Gift Cards can be used in the Apple Store, the Apple Store app, apple.com, the App Store, iTunes, Apple Music, Apple TV, Apple Books and other Apple properties.

You can use Apple Gift Cards to pay for products, subscriptions and services from Apple online. Or spend Apple Gift Cards at the Apple Store or by calling 133‑622. You cannot pay for an Apple Gift Card with an Apple Gift Card or Apple Account Balance. Apple Gift Cards can be used only in the country or region in which they were purchased.

You can use up to eight Apple Gift Cards at a time when you purchase online from Apple or if you’re placing an order by calling 133‑622. You can use your gift card(s) with one credit card and your Apple Account Balance to pay for your purchase.

Any value on an App Store & iTunes Gift Card or Apple Store Gift Card in your possession is valid.

To redeem any Apple Gift Card or App Store & iTunes Gift Card into your Apple Account Balance, simply enter or scan the PIN. We send electronic Apple Gift Cards to the card recipient via email. Using this email, the recipient can easily redeem the card’s value to their Apple Account Balance for online purchases or use the PIN at an Apple Store, on apple.com or in the Apple Store app.

Apple Gift Cards and Apple Account Balance are subject to applicable terms and conditions. Learn more

Ready to buy an Apple Gift Card? Buy online for yourself or someone else

How to Use Apple Gift Cards

Apple Gift Cards can be used to pay for products and accessories as well as apps, games, music, movies, TV shows, iCloud storage and more. Apple Gift Cards can be used on apple.com, in the Apple Store app, by phone or in person at the Apple Store. You can also redeem Apple Gift Cards into your Apple Account Balance to buy products, apps, content and services online from Apple. Apple Gift Cards can be used only in the country or region where they were purchased.

In an Apple Store, simply present the email to the cashier at time of payment. If you are using your Apple Gift Card over the phone on 133‑622, you’ll need to provide the PIN (located on the back of the card insert or in the gift card email). Remember to keep the card in your possession until your item(s) have been delivered.

You can use up to eight Apple Gift Cards at Apple.com or when placing an order over the phone on 133‑622. You can use up to eight Apple Gift Cards for one transaction when you purchase at an Apple Store. You can use your Apple Gift Card(s) with one credit card as well as with your Apple Account Balance to pay for your purchase. Apple Gift Cards cannot be used to purchase another Apple Gift Card.

Checking Your Apple Gift Card Balance

You can check your gift card balance online by entering the PIN from any Apple gift card. See the Apple Account Balance section for details on how to redeem your gift card into your Apple Account Balance for online shopping, apps, content and services.

How to Use Apple Store Gift Cards and App Store & iTunes Gift Cards

Both the Apple Gift Cards and App Store & iTunes Gift Cards (previous generation) can be redeemed into your Apple Account Balance. Additionally, you can apply your gift card by entering the PIN during the payment step in checkout on apple.com or in the Apple Store app, or when shopping via 133-622. Apple Gift Cards can’t be used with Apple Pay or split credit card payments.

Apple Account Balance

Redeem Apple Gift Cards or add money directly into your Apple Account Balance anytime. Then use the balance to pay for Apple products, accessories, apps, games, music, movies, TV shows, iCloud and more. You can check your Apple Account Balance online.

To use your Apple Account Balance to buy products on apple.com or in the Apple Store app, make sure you are signed in with your Apple ID. Then simply choose an amount to apply to your purchase during the payment step in checkout. You can use the funds from your Apple Account Balance in combination with one credit card and up to eight Apple Gift Cards. See Payment for details on using more than one payment method.

You can redeem Apple Gift Cards and App Store & iTunes Gift Cards into your Apple Account Balance on iTunes, Apple Music, Apple TV or the App Store. Visit any of these Apple apps or sites and tap your Apple ID account avatar or choose Account from the main menu. Select “Redeem Gift Card or Code” or “Redeem”, then scan or enter the gift card PIN. The funds will appear in your Apple Account Balance to use for shopping, listening, watching, playing, working and more.

Please note that your Apple ID Balance is now your Apple Account Balance.

Cheque or Money Order

To pay for your purchase using a Cheque or Money Order:

  1. 1. Place your order with an Apple Representative by phone on 133‑622.
  2. 2. Obtain the final dollar total of your order, including tax and any applicable shipping charges from the Apple Representative.
  3. 3. Confirm that your cheque is for the full amount of the order. It is not possible to combine a cheque/money order with another form of payment for one order.
  4. 4. Make the cheque payable to Apple Pty Ltd, and include your web order number or a copy of your order.
  5. 5. Mail your payment to:

    Apple Pty Ltd
    Att: Apple Store
    PO Box A2629
    Sydney South NSW 1235

    Note:
  • Apple must receive your payment within 10 calendar days after your order is placed or your order will be cancelled. Please allow four (4) business days after Apple receives your payment for your cheque to clear before we start processing your order.
  • Apple is unable to accept a cheque associated with a billing address outside of Australia.
  • Please be aware that cheque or money order are not applicable to certain products.

Direct Deposit

To pay for your purchase using a Direct Deposit:

  1. Place your order with an Apple Representative by phone on 133‑622.
  2. Obtain the final dollar total of your order including tax and any applicable shipping charges from the Apple Representative.
  3. Visit any National Australia Bank branch and have the bank electronically transfer the total dollar amount of your order using the routing information below. Cash or cheque deposits are accepted.
  4. Reference your web order number with your payment.
  5. Scan a copy of your deposit slip and email the attachment to the following email address: [email protected]

Routing information
Australia:

  • Beneficiary: Apple Pty Ltd
  • Bank: Citibank
  • Account #: 20999
  • BSB: 248 081

Note: Please allow two (2) business days for Apple to receive your payment and start processing your order.
Please be aware that direct deposit are not applicable to certain products.

Consumer Finance

Purchasing on 0% interest is a great option if you are looking to purchase Apple products with one simple monthly repayment.

How It Works

1. Apply Online
The application only takes 10 minutes to complete
Go To : Consumer Finance at Apple

2. Application Response
The outcome of your application will be displayed on screen in 60 seconds and also emailed to you.

3. Place Order
If you are approved, your CreditLine account number will be automatically sent to Apple.
You will then be contacted by Apple within 2 business hours (Mon-Fri 8:30am-5:30pm AEST) to place your order.

Important
If you have an existing Latitude card (CreditLine, Buyer’s Edge, Gem Visa or GO Mastercard), you do not need to re-apply with Apple.
Simply call 133‑622, to place your order.

Delivery Dates
If you choose Financing, the delivery date in bag and checkout may not apply.
Your delivery date may be later due to the time required to process your financing application.
When your application is approved, you will receive an email notification with the updated delivery date.

Business Finance

Business Finance through Apple Financial services has a number of benefits for business customers.
You can manage monthly cashflows and may achieve significant tax benefits.
You also have great end of term options -

  • Upgrade your equipment
  • Return your equipment
  • Extend for a new term
  • Purchase your equipment at fair market value

How It works

1. Apply Online
The application only takes 10 minutes to complete
Go To : Business Finance at Apple

2. Application Response
You will be notified of your application outcome within 4 business hours.
Your business business finance contract and supporting documents will then be emailed to you for signing.

3. Place Order
If you are approved, you be contacted by an Apple Business specialist within 2 business hours (Mon-Fri 8:30am-5:30pm AEST) to place your order.

Delivery Dates
If you choose to purchase using business finance, the delivery date in bag and checkout may not apply. Your delivery date may be later due to the time required to process your business finance application. When your application is approved, you will receive an email notification with the updated delivery date.

Источник: https://www.apple.com/au/shop/help/payments

Frequently Asked Questions

 

The General Terms and Conditions of the business creditcards of ICS will change as of 1 June 2021.

The new General Terms and Conditions can be found at General Terms and Conditions. It concerns the following changes:

ABN AMRO business Cards are only for ABN AMRO customers
You will only be able to use your ABN AMRO Card(s) if it is linked to an ABN AMRO business bank account. We will contact you if this is not the case.

A charge of €1.50 will apply to account statements sent by regular mail
When account statements are sent by regular mail, a charge of €1.50 per account statement applies. This fee will not be charged for deposit account statements. You can view, download, and print account statements free of charge when you log in to My ICS Business.

Would you like to stop receiving statements by regular mail and switch to digital statements? Activate My ICS Business:
• For the company statements: activate My ICS Business as Contact person on icsbusiness.nl
• For the Cardholder statements: ask Cardholders to activate My ICS Business as Cardholder on icsbusiness.nl

Activate My ICS Business

 

Additional conditions will apply to the Delivery Guarantee
If you would like to make use of the Delivery Guarantee, you must have paid the purchase amount directly to the merchant who has to deliver the product. In addition, you will need to send us the sales receipt of the product you paid for with your ABN AMRO business Card.

For information about the exchange rate, please use the Exchange Rate Calculator
For payments and cash withdrawals in foreign currency we use Mastercard exchange rates. These rates change daily. You can easily check the exchange rate for a transaction by using the exchange rate calculator at www.icsbusiness.nl/wisselkoersen. The exchange rate calculator also shows the exchange rate of the European Central Bank; this will allow you to see the difference between the ICS exchange rate and the ECB exchange rate. After a transaction in a foreign currency, we will not send you a separate message with a specification of the applied exchange rate and surcharge.

 

Источник: https://abnamro.icsbusiness.nl/EN/klantenservice/business-card/veelgestelde-vragen/

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Источник: https://zonanews.ge/e/ics-abn-amro-credit-card

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Источник: https://www.bankwest.com.au/contact-us

Credit cards

The advice on this website has been prepared without considering your objectives, financial situation or needs. You should, before acting on the advice, consider its appropriateness to your circumstances. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply.

~ Offer available on new Low Rate credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, including Low Rate Gold, CommBank Essentials and CommBank Neo credit card, existing cards, and switches from other card types, and will be forfeited if you switch to a different credit card type during the 16 month period. The 0% p.a. interest rate on purchases (but not balance transfers and cash advances) is valid for 16 months from the date of card approval. At the end of the 16 month period, the interest rate will convert to the standard variable purchase interest rate at that time. We reserve the right to close the offer prior to 28/02/2022.

# Offer available on new Low Fee credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, existing cards, switches from other card types, and new Low Fee credit cards if you currently hold, or have held, any Low Fee card type in the 12 months prior. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account. To be eligible for the $100 cashback on a new Low Fee card, you need to spend at least $1,000 on purchases (not including balance transfers and cash advances) using your new card within 90 days of activation. Cashback will be credited within 90 days of you meeting the spend criteria and will appear on your statement as ‘CASHBACK $100’. Cashback only available on one credit card per customer. We reserve the right to close the offer prior to 28/02/2022.

* Offer available on new Low Fee Gold credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, existing cards, switches from other card types, and new Low Fee credit cards if you currently hold, or have held, any Low Fee card type in the 12 months prior. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account. To be eligible for the $150 cashback on a new Low Fee Gold card, you need to spend at least $1,000 on purchases (not including balance transfers and cash advances) using your new card within 90 days of activation. Cashback will be credited within 90 days of you meeting the spend criteria and will appear on your statement as ‘CASHBACK $150’. Cashback only available on one credit card per customer. We reserve the right to close the offer prior to 28/02/2022.

^ Offer available on new Ultimate Awards, Platinum Awards and Business Platinum Awards credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, existing cards, and switches from other card types and is not available to customers who currently hold, or have held, any Awards card types in the 12 months prior. You will be ineligible for the bonus Qantas Points or CommBank Awards points if your credit card account is closed, transferred, or in default at any time prior to the points being credited to your account.

To be eligible for the 100,000 CommBank Awards points on a new Ultimate Awards card, you need to spend at least $5,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 70,000 bonus Qantas Points on a new Ultimate Awards card, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. You need to spend at least $5,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 70,000 CommBank Awards points on a new Platinum Awards or Business Platinum Awards card, you need to spend at least $4,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 50,000 bonus Qantas Points on a new Platinum Awards or Business Platinum Awards card, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. You need to spend at least $4,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

Bonus points will appear on your credit card statement as ‘Bonus Awards’ within 90 days of you meeting the eligibility criteria. 

If you opt-in to Qantas Points after applying but before you meet the eligibility criteria, you will receive 70,000 bonus Qantas Points on a new Ultimate Awards credit card, or 50,000 bonus Qantas Points on a new Platinum Awards or Business Platinum Awards card.

If you don’t opt-in to Qantas Points, or you opt-out of Qantas Points prior to meeting the eligibility criteria, you will receive the Bonus CommBank Awards points associated with this offer (100,000 CommBank Awards points on a new Ultimate Awards card or 70,000 CommBank Awards points for a new Platinum Awards or Business Platinum Awards card) in place of Qantas Points.

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and Conditions available at commbank.com.au/awardst&cs. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Offer only available on one credit card per customer. We reserve the right to close the offer prior to 28/02/2022.

If you don't have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won't be charged a monthly fee for that statement period. We may process transactions later than the day you originally made them. This is when your transaction is no longer a pending transaction and has been fully processed by us.

2  Eligible CBA credit or debit Mastercard, Business credit cards and StepPay customers, that are at least 18 years old, are not in hardship, and are not in default with any CommBank accounts can access CommBank Rewards through the latest version of the CommBank app. Terms and conditions including minimum spend requirements apply to CommBank Rewards and can be viewed within the CommBank app.

3 The annual fee is waived in the first year and every subsequent year if you spend at least $1,000 (Low Fee) or $10,000 (Low Fee Gold) in the previous year. Spend includes all purchases and cash advances fully processed in that year (excludes pending transactions) minus any refunds.

4 The annual fee is charged at $5 per month or $2 per month if you:

  • Set up automated monthly repayments through our credit card AutoPay from a CommBank transaction account and
  • Opt in to receive online statements on your CommBank Essentials account through NetBank (and to enable this, you maintain your NetBank facility and provide us with a valid email address)

5 You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, join for free. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

6 How you earn or redeem CommBank Awards points will be subject to the Commonwealth (CommBank) Awards Program Terms & Conditions. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). The number of points you can earn may be capped. Awards and the number of points required for Awards are subject to change at any time without notice.

a) How Awards points and Qantas Points work:

If you opt-in to earn Qantas Points, your CommBank Awards points earned each month are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period, at a rate of 2.5 CommBank Awards points to 1 Qantas Point. Points transferred to your Qantas Frequent Flyer account are captured on your CommBank credit card statement. Awards credit card holders can earn up to 50,000 Awards points per year, which is equal to 20,000 Qantas Points. Business Awards credit card holders can earn up to 60,000 Awards points per year, which is equal to 24,000 Qantas Points. Platinum Awards credit card holders can earn up to 150,000 Awards points per year, which is equal to 60,000 Qantas Points. Business Platinum Awards credit card holders can earn up to 300,000 Awards points per year, which is equal to 120,000 Qantas Points. Diamond Awards credit card holders can earn up to 1,000,000 Awards points per year, which is equal to 400,000 Qantas Points. Ultimate Awards credit card holders can earn unlimited Awards points per year, which are then transferred to Qantas Points.

7 If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs prior to 1 October 2018, the insurance is issued and managed by AWP Australia Pty Limited ABN 52 097 227 177 AFSL No. 245631 (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 for Commonwealth Bank of Australia.

If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs on or after 1 October 2018, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia.

Cover is available for you, your spouse and your eligible dependent/accompanied children for return trips from Australia, up to a set period. You need to activate your international travel insurance included with eligible credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only.

Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. More information and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here.

8 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Diamond Awards or Ultimate Awards Mastercard at a participating overseas merchant and meet the offer’s terms and conditions. You must pay in the overseas currency of the offer – transactions made in Australian dollars are not eligible. An international transaction fee will apply for Diamond Award carholders only. Cashbacks may take up to 30 days to appear on your statement. Visit mtr.mastercardservices.com for a list of participating merchants and to find out more.

9 How you earn or redeem CommBank Awards points will be subject to the Commonwealth (CommBank) Awards Program Terms & Conditions. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). Awards and the number of points required for Awards are subject to change at any time without notice. If you opt-in to earn Qantas Points, your CommBank Awards points earned each month are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period, at a rate of 2.5 CommBank Awards points to 1 Qantas Point. Points transferred to your Qantas Frequent Flyer account are captured on your CommBank credit card statement.

How Ultimate Awards points work: 

You can earn up to 3 Awards points for eligible purchases you make on the Ultimate Awards card. 

You get 3 Awards points for every $1 spent on international transactions. International transactions include any purchase you make overseas or when shopping online from Australia if the merchant or entity who processes the payment is based overseas. 

You get 2 Awards points for every $1 spent at major Australian supermarkets, department stores and petrol stations. Earning these points depends on how the merchant categorises their business and provide us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions.

You get 1 Awards point for every $1 spent on all other purchases. 

Once you have spent $10,000 in any given statement period, you will earn 0.5 Awards points for every dollar you spend on any other purchases within that period.

10 There is no monthly fee for the Ultimate Awards credit card if you: (i) Spend at least $2,500 during your statement period; and (ii) Choose to receive online statements. Otherwise the monthly fee is $35.

Spend includes all purchases and cash advances made using your Ultimate Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). You can opt in to receive online statements through NetBank or the CommBank app, which will require a valid email address.

11 Pay no international transaction fees for purchases you make overseas or online. For international cash advances, the cash advance fee will apply.

12 To gain access to participating airport lounges, you must present your Ultimate Awards card or your digital lounge access code on the Mastercard Airport Experiences app, along with your boarding pass and identify yourself as a LoungeKey member for validation.

Each time you visit a lounge, you will be charged a lounge visit fee to your Ultimate Awards card. You will also be charged a lounge visit fee for each additional guest you bring with you.

Please note, your lounge access may be blocked if your primary account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason.

To redeem an offer visit the Mastercard Airport Experiences app or airport.mastercard.com to select your preferred offer and generate an offer code. Present the valid offer code to the cashier and redeem the offer. Please note, offers vary by location.

For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit airport.mastercard.com or call +61 2 7202 3584, 24/7.

13 We’re unable to block cash advance transactions that aren’t sent to us for authorisation. These will not incur any additional fees or interest charges.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.

Источник: https://www.commbank.com.au/credit-cards.html

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As part of the arrangement, all of ABN Amro’s Dutch accounts will be converted to TS2, a multi-currency and EMV-compliant processing system created by TSYS, which are planned for the first and second quarters of 2005 at the TSYS’ new European Data Center in Knaresborough, UK.

Additionally, TSYS will provide customer care services on behalf of ABN Amro by managing a customer contact center in the Netherlands. The center will support full end-to-end customer service, including general customer service queries, application processing, chargebacks and dispute handling, fraud and collections. The TSYS Operational Services Center is located in Barneveld and opened earlier this month.


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Источник: https://techmonitor.ai/techonology/tsys_to_process_credit_card_portfolios_for_abn_amro

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Welcome to TD Bank Personal Banking

Community means family.

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ABN AMRO

Dutch bank

ABN-AMRO Logo new colors.svg
ABN AMRO4.jpg

ABN AMRO headquarters in Amsterdam

TypeSubsidiary
IndustryFinancial services
FoundedSeptember 21, 1991; 30 years ago (September 21, 1991)
HeadquartersAmsterdam, Netherlands

Key people

Robert Swaak (CEO)
ProductsAsset management
Commercial banking
Investment banking
Private banking
Retail banking

Operating income

Decrease 7,916 billion Euros (2020)[1]

Net income

Decrease 2.325 billion Euros (2018)[2]
AUMDecrease 181.7 billion Euros (2018)[3]
Total assetsDecrease 381.3 billion Euros (2018)[4]
Total equityIncrease 21.36 billion Euros (2018)[4]

Number of employees

Decrease 17,813 (January, 2020)[4]
ParentABN AMRO Group
DivisionsRetail Banking, Private Banking, Commercial Banking, Corporate & Institutional Banking, Group Functions[5]
Websitewww.abnamro.com

ABN AMRO Bank N.V. is a Dutch bank with headquarters in Amsterdam. ABN AMRO Bank is the third-largest bank in the Netherlands.[6] It was re-established in its current form in 2009, following the acquisition and break-up of the original ABN AMRO by a banking consortium consisting of Royal Bank of Scotland Group, Santander Group and Fortis. Following the collapse of Fortis, who acquired the Dutch business, it was nationalized by the Dutch government along with Fortis Bank Nederland.[7] It was relisted as a public company again in 2015.

The bank is a product of a long history of mergers and acquisitions that date to 1765. In 1991, Algemene Bank Nederland (ABN) and AMRO Bank (itself the result of a merger of the Amsterdamsche Bank and the Rotterdamsche Bank in the 1960s) agreed to merge to create the original ABN AMRO.

In July 2006, Favonius Ventures, which was founded and headed by Roel Pieper, received all of the technology investments of ABN AMRO Capital which is the private equity business unit of ABN AMRO Bank N.V.[8]

By 2007, ABN AMRO was the second-largest bank in the Netherlands and the eighth-largest in Europe by assets. At that time the magazine The Banker and Fortune Global 500 placed it 15th[9] in the list of world's biggest banks and it had operations in 63 countries, with over 110,000 employees.

In October 2007, a consortium of the Royal Bank of Scotland Group, Fortis and Banco Santander, known as RFS Holdings B.V. acquired the bank, in what was the world's biggest bank takeover to date. Consequently, the bank was divided into three parts, each owned by one of the members of the consortium. However, RBS and Fortis soon ran into serious trouble: the large abn creditcard service created to fund the takeover had depleted the banks' reserves just as the financial crisis of 2007–2010 started. As a result, the Dutch government stepped in and bailed out Fortis in October 2008, before splitting ABN AMRO's Dutch assets (which had primarily been allocated to Fortis) from those owned by RBS, which were effectively assumed by the UK government due to its bail-out of the British bank. The operations owned by Santander, notably those in Italy and Brazil, were merged with Santander, sold or eliminated.

The Dutch government appointed former Dutch finance minister Gerrit Zalm as CEO to restructure and stabilise the bank, and in February 2010 the assets it owned were legally demerged from those owned by RBS.[10] This demerger created two separate organisations, ABN AMRO Bank N.V. and The Royal Bank of Scotland N.V.[11][12] The former was merged with ABN AMRO Private Banking, Fortis Bank Nederland, the private bank MeesPierson (formerly owned by the original ABN AMRO and Fortis) and the diamond bank International Diamond & Jewelry Group to create ABN AMRO Group N.V., with the Fortis name being dropped on 1 July 2010. The remaining parts of the original ABN AMRO still owned by The Royal Bank of Scotland N.V., meanwhile, were renamed, sold or closed.[13]

The Dutch government has said that ABN AMRO would remain state-owned until at least 2014. On November 20, 2015, the Dutch government publicly re-listed the company through an IPO and sold 20% of the shares to the public.[14]

In November 2020, ABN Amro announced it would cut 2800 jobs and sell its head offices as a plan to reduce costs, hoping to save €700 million by 2024.[15]

History[edit]

See also: AMRO Bank and Algemene Bank Nederland

Early abn creditcard service 1824, King William I established the Nederlandsche Handel-Maatschappij (NHM) a trading company to revive trade and financing of the Dutch East Indies and it would become one of the primary ancestors of ABN AMRO. The NHM merged with the Twentsche Bank in 1964 to form Algemene Bank Nederland (ABN). In the same year, the Amsterdamsche Bank, established in 1871, merged with the Rotterdamsche Bank, established in 1873 (as part of merger that included Determeijer Weslingh & Zn. from 1765), to form Amsterdamsche en Rotterdamsche Bank.

ABN and AMRO merger[edit]

On 22 September 1991, a merger took place between the two largest universal banks in the Netherlands: Algemene Bank Netherland (ABN) and Amsterdam-Rotterdam Bank (Amro). This resulted in the creation of ABN AMRO. In 1993, two of its subsidiaries - Bank Mees & Hope and Pierson, Heldring & Pierson - merged to form MeesPierson.

Through these mergers and acquisitions, ABN AMRO gained a large number of overseas companies and branches. From NHM, it owned a significant branch network in Asia and the Middle East. One of these, the Saudi Hollandi Bank was owned by the NHM Jeddah branch and in which ABN AMRO still had a 40% stake, caused questions in the Dutch parliament from the political Party for Freedom. Another, the Hollandsche Bank-Unie (HBU), which grew from the merger of the Hollandsche Bank voor de Middellandsche Zee (HBMZ) and the Hollandsche Zuid-Amerika Bank in 1933, gave ABN AMRO an extensive network of branches in South and Central America. In 1979, ABN expanded into North America with the acquisition of Chicago-based LaSalle National Bank.

After the merger of ABN and AMRO Bank in 1991, the corporation continued to grow through a number of further acquisitions, including the 1996-purchase of suburban Detroit based Standard Federal Bank followed five-years later by the acquisition of its Detroit-based competitor Michigan National Bank which was rebranded as Standard Federal. In 2005, Standard Federal became LaSalle Bank Midwest to unite the two components.

ABN AMRO purchased The Chicago Corporation, an American securities and commodities trading and clearing corporation in fall 1995.[16]

Other major acquisitions included the Brazilian bank Banco Real in 1998 and the Italian bank Antonveneta in 2006. It was also involved in the controversial acquisition of the Dutch local government mortgage and building development organisation, the Bouwfonds in 2000.[17] ABN AMRO sold the Bouwfonds as a going concern in 2006.

Reaching a crossroads[edit]

ABN AMRO had come to a crossroads in early 2005. The bank had still not come close to its own target of having a return on equity that would put it among the top-five of its peer group, a target that the CEO, Rijkman Groenink had set upon his appointment in 2000. From 2000 until 2005, ABN AMRO's stock price stagnated.

Financial results in 2006 added to concerns about the bank's future. Operating expenses increased at a greater rate than operating revenue, and the efficiency ratio deteriorated further to 69.9%. Non-performing loans increased considerably year on year by 192%. Net profits were only boosted by sustained asset sales. In 2006, research findings were publicly released regarding ABN AMRO Bank N.V. predecessors and connections to African slavery. An examination of 200 predecessors of ABN AMRO Bank N.V. founded before 1888, determined that some had connections to African slavery, either in the United States or elsewhere in the Americas.[18]

There had been some calls, over the prior couple of years, for ABN AMRO to break up, to merge, or to be acquired. On 21 February 2007, The Children's Investment Fund Management (TCI) hedge fund called to ask the Chairman of the Supervisory Board to actively investigate a merger, acquisition or breakup of ABN AMRO, stating that the current stock price did not reflect the true value of the underlying assets. TCI asked the chairman to put its request on the agenda of the annual shareholders' meeting to be held in April 2007.

Events accelerated on 20 March, when the British bank Barclays and ABN AMRO both confirmed they were in exclusive talks about a possible merger.

Acquisition battle[edit]

On 28 March 2007, ABN AMRO published the agenda for the shareholders' meeting of 2007. It included all items requested by TCI, but with the recommendation not to follow the request for a breakup of the company.[19]

ABN AMRO Insurance headquarters in Zwolle

However, on 18 April, another British bank, the Royal Bank of Scotland (RBS) contacted ABN AMRO to propose a deal in which a consortium of banks, including RBS, Belgium's Fortis, and Spain's Banco Santander Central Hispano (now Banco Santander) would jointly bid for ABN AMRO and thereafter divide the components of the company among them. According to the proposed deal, RBS would receive ABN's United States operations, LaSalle, and ABN's wholesale operations; Banco Santander would take the Brazilian operations; and Fortis, the Dutch operations.

On 23 April, ABN AMRO and Barclays announced the proposed acquisition of ABN AMRO by Barclays. The deal was valued at €67 billion and included the sale of LaSalle Bank to Bank of America for €21 billion.[20]

Two days later, the RBS-led consortium brought out its indicative offer, worth €72 billion, if ABN AMRO would abandon its sale of LaSalle Bank to Bank of America. During the shareholders' meeting the next day, approximately 68 percent of the shareholders voted in favour of the breakup as requested by TCI.[21]

The sale of LaSalle was seen as obstructive by many: as a way of blocking the RBS bid, which hinged on further access to the US markets, in order to expand on the success of the group's existing American brands, Citizens Bank and Charter One. On 3 May 2007, the Dutch Investors' Association (Vereniging van Effectenbezitters), with the support of shareholders representing up to 20 percent of ABN's shares, took its case to the Dutch commercial court in Amsterdam, seeking an injunction against the LaSalle sale. The court ruled that the sale of LaSalle could not be viewed apart from the current merger talks of Barclays with ABN AMRO, and that the ABN AMRO shareholders should be able to approve other possible merger/acquisition candidates in a general shareholder meeting. However, in July 2007, the Dutch Supreme Court ruled that Bank of America's acquisition of LaSalle Bank could proceed and Bank of America absorbed LaSalle effective 1 October 2007.

On 23 July 2007, Barclays raised its offer for ABN AMRO to €67.5bn, after securing investments from the governments of China and Singapore, but it was still short of the RBS consortium's offer. Barclay's revised bid was worth €35.73 a share — 4.3% more than its previous offer. The offer, which included 37% cash, remained below the €38.40-a-share offer made the week before by the RFS consortium. The revised offer did not include an offer for La Salle Bank, since ABN AMRO could proceed with the sale of that subsidiary to Bank of America. RBS would now settle for ABN's investment-banking division and its Asian Network.

Acquisition and break up[edit]

On 30 July 2007, ABN AMRO withdrew its support for Barclays' offer which was lower than the offer from the group led by RBS. While the Barclays offer matched ABN AMRO's "strategic vision," the board couldn't recommend it from "a financial point of view." The US$98.3bn bid from RBS, Fortis and Banco Santander was 9.8% higher than Barclays' offer.

Barclays Bank withdrew its bid for ABN AMRO on 5 October, clearing the way for the RBS-led consortium's bid to go through, along with its planned dismemberment of ABN AMRO. Fortis would receive ABN AMRO's Dutch and Belgian operations, Banco Santander would get Banco Real in Brazil, and Banca Antonveneta in Italy and RBS would get ABN AMRO's wholesale division and all other operations, including those in Asia.

Impact of the 2008 financial crisis[edit]

RBS[edit]

Further abn creditcard service Royal Bank of Scotland Group § 2008–2009 financial crisis

ABN AMRO in Dubai(This branch is no longer operational as of Dec 2018)

On 22 April 2008, RBS announced the largest rights issue in British corporate history, which aimed to raise £12billion in new capital to offset a writedown of £5.9billion resulting from the bad investments and to shore up its reserves following the purchase of ABN AMRO.

On 13 October 2008, British Prime Minister Gordon Brown announced a UK government bailout of the financial system. The Treasury would infuse £37 billion ($64 billion, €47 billion) of new capital into Royal Bank of Scotland Group Plc, Lloyds TSB and HBOS Plc, to avert financial sector collapse. This resulted in a total government ownership in RBS of 58%. As a consequence of this rescue, the chief executive of the group Fred Goodwin offered his resignation, which was duly accepted.

In January 2009, RBS announced a loss of £28bn of which £20bn was due to the ABN AMRO acquisition.[citation needed] At the same time, the government converted its preference shares to ordinary shares resulting in a 70% ownership of RBS.[22]

Fortis[edit]

Further information: Fortis (finance) § ABN AMRO and its aftermath

In 2008, the full extent of the global credit crisis became apparent. Problems were first seen at Fortis, and these were caused in part by its funding of the ABN AMRO acquisition. On 11 July 2008, Fortis CEO Jean Votron stepped down after the ABN AMRO deal had depleted Fortis's capital.[23][24] The total worth of Fortis, as reflected by its stock value, was at that time one-third of what it had been before the acquisition, and just under the value it had paid for the Benelux activities of ABN AMRO.[25] On 3 October 2008, Fortis was nationalised. The Dutch government bought a number of Fortis divisions plus Fortis's share in ABN AMRO for EUR 16.8 billion. It subsequently announced that the parts of ABN AMRO it had acquired would be integrated with Fortis Bank Nederland (FBN) to create a new ABN AMRO.


Fortis announced in October of that year that it would sell its stake in RFS Holdings, which included all activities that had not been transferred yet to Fortis (i.e. everything except asset management).[26][27]

Disposals and renaming[edit]

In 2008, RFS Holdings completed the sale of a portfolio of private equity interests in 32 European companies managed by AAC Capital Partners to a consortium comprising Goldman Sachs, AlpInvest Partners and the Canada Pension Plan for $1.5 billion through a private equity secondary market transaction.[28][29]

In September 2009, RBS rebranded the Morgans sharedealing business in Australia as RBS Morgans. This followed the rebranding of the ABN AMRO Australia unit to RBS Australia in March that year.[30]

On 10 February 2010, RBS announced that branches it owned in India[31] and the United Arab Emirates were to be rebranded under its name.[32]HSBC Holdings said it would buy the Indian retail and commercial banking businesses of Royal Bank of Scotland for $1.8bn, however the deal fell-through in December 2012.[33]

Dutch government ownership[edit]

Continuing problems with Fortis operations during the 2008 financial crisis led to the Dutch government to obtain full control of all Fortis operations in the Netherlands, including those parts of ABN-AMRO then belonging to Fortis, at a price of €16.8bn.[34] The government and the De Nederlandsche Bank president have announced the merger of Dutch Fortis and ABN AMRO parts will proceed while the bank is in state ownership. This was completed in July 2010 when Fortis operations in the Netherlands were rebranded ABN AMRO.[35]

In November 2008, a Belgian court dismissed a suit by shareholders of Fortis objecting to the Belgian abn creditcard service handling of the Fortis/ABN AMRO transaction and subsequent break-up.[36]

ABN AMRO acquired the specialist on-line mortgage provider Direktbank Hypotheken as part of the nationalisation and from 1 January 2011 it stopped selling these products under this brand to the public. It absorbed the mortgage business into its own products under the ABN AMRO brand as well as Florius brand.[37]

Goldman Sachs SEC lawsuit[edit]

Main article: Goldman Sachs civil fraud lawsuit

ABN AMRO was mentioned by the United States Securities and Exchange Commission (SEC) in court filings when it sued Goldman Sachs and one of Goldman's collateralized debt obligation (CDO) traders on 16 April 2010. The SEC alleges that Goldman defrauded both IKB Deutsche Industriebank and ABN AMRO by its failure to disclose that the CDOs it sold to both banks were not assembled by a third party, but instead through the guidance of a hedge fund that was counterparty in the CDS transaction. This hedge fund, Paulson & Co., stood to reap great financial benefit in the event of default.[38][39]

Bank operations[edit]

ABN AMRO Bank has offices in 15 countries with 32,000 employees, most of whom are based in the Netherlands with only 5,000 in other countries. Its operations include a private banking division which focuses on high-net-worth clients in 14 countries as well as commercial and merchant banking operations that play a major role in energy, commodities and transportation markets as well as brokerage, clearing, and custody.[40]

Financial data[edit]

Years 2002 2003 2004 2005 2006
Sales net of interest €18,280mn €18,793mn €19,793mn €23,215mn €27,641mn
EBITDA€4,719mn €5,848mn €6,104mn €6,705mn €6,360mn
Net Result Share of the group €2,267mn €3,161mn €4,109mn €4,443mn €4,780mn
Staff 105,000 105,439 105,918 98,080 135,378

Alumni[edit]

Marketing[edit]

Name usage and spelling[edit]

The bank refers to itself as ABN AMRO in all capitals, based on an acronym of the two originating banks names Algemene Bank Nederland and the Amsterdam and Rotterdam Bank, in the second case the first two letters of each city make up the word AMRO. The letters in 'ABN' are pronounced separately and 'AMRO' is pronounced as a word. For this reason some media spell the name as 'ABN Amro'. In written text both versions are used, although the bank itself uses only the uppercase version. In conversations, the bank is sometimes referred to as simply ABN or AMRO bank depending on one's location around the world.

Logo and style[edit]

The green and yellow shield logo was designed by Landor Associates for ABN AMRO in 1991 and has been used as a brand for the bank and all its subsidiaries.

[edit]

ABN AMRO was the main sponsor of Dutch football club AFC Ajax of Amsterdam from 1991 to 2008. The sponsor logo was at the time the only one in the world to be printed vertically down the right hand side of the front of the shirt. As of 2014, ABN AMRO is one of the strategic industry partners with Duisenberg School of Finance.[42]

See also[edit]

References[edit]

  1. ^"Annual Report 2018"(PDF). Archived(PDF) from the original on 2021-04-20. Retrieved 2021-04-20.
  2. ^"Q4 2017 Financial Report"(PDF). ABN AMRO Group. p. 8. Archived(PDF) from the original on 2018-03-03. Retrieved 2018-03-03.
  3. ^"Annual Report 2018"(PDF). Archived(PDF) from the original on 2020-05-08. Retrieved 2019-03-15.
  4. ^ abc"Q3 2018 Financial Report"(PDF). ABN AMRO Group. p. 8. Archived(PDF) from the original on 2018-12-16. Retrieved 2018-12-16.
  5. ^"Q1 2018 Financial Report"(PDF). ABN AMRO Group. p. 8. Archived(PDF) from the original on 2018-06-30. Retrieved 2018-06-30.
  6. ^"Major Banks in the Netherlands". TheBanks.eu. 12 July 2020. Archived from the original on 6 October 2019. Retrieved 18 February 2016.
  7. ^Steinglass, Matt (June 5, 2013). "ABN Amro fights ruling that prohibits acquisitions". Financial Times. Archived from the original on December 10, 2019. Retrieved June 26, 2013.
  8. ^"About Favonius". favonius.net. December 2007. Archived from the original on 11 December 2007. Retrieved 21 October 2021.
  9. ^"Fortune Global 500 by industry: Banks - Commercial and Savings". CNN. July 23, 2007. Archived from the original on 19 August 2010. Retrieved 26 July 2010.
  10. ^"ABN AMRO completes legal demerger" (Press release). ABN AMRO. 8 February 2010. Archived from the original on 2021-05-27. Retrieved 2013-02-19.
  11. ^"ABN AMRO Group announces the legal renaming of ABN AMRO Bank N.V. to The Royal Bank of Scotland N.V."(PDF) (Press release). RBS. 6 February 2010. Archived from the original(PDF) on 2011-10-01. Retrieved 2013-02-19.
  12. ^"Split into the new ABN AMRO Bank and RBS N.V. in the 1st quarter of 2010" (Press release). ABN AMRO. 7 October 2009. Archived from the original on 2021-05-27. Retrieved 2013-02-19.
  13. ^"FAQs: ABN AMRO Bank N.V. legal entity renaming in the US"(PDF). Royal Bank of Scotland. 6 February 2010. Archived(PDF) from the original on 2013-06-06. Retrieved 2013-02-19.
  14. ^"ABN Amro raises 2.3bn as Dutch government cuts stake". The Telegraph. November 20, 2015. Archived from the original on July 6, 2018. Retrieved April 5, 2018.
  15. ^"ABN Amro to cut 2800 jobs; sell headquarter offices". Finextra Research. 2020-11-30. Archived from the original on 2020-11-30. Retrieved 2020-11-30.
  16. ^"ABN-Amro Is Seen Making Acquisition". The New York Times. 27 September 1995. Archived from the original on 2013-06-01. Retrieved 2013-02-19.
  17. ^"Dirty tricks during Bouwfonds privatisation". DutchNews.nl. 31 March 2010. Archived from the original on 2010-04-04. Retrieved 2013-02-19.
  18. ^"HAI Completes Multinational Research on ABN AMRO Connections to Slavery, Findings Released" (Press release). History Associates, Inc. 28 April 2006. Archived from the original on 2014-05-29. Retrieved 2014-05-29.
  19. ^"Barclays in exclusive ABN talks". BBC News Business. bbc.com. 20 March 2007. Archived from the original on 2009-05-12. Retrieved 2013-02-19.
  20. ^"Barclays agrees £45bn Dutch deal". BBC News Business. bbc.com. 23 April 2007. Archived from the original on 2008-05-28. Retrieved 2013-02-19.
  21. ^"RBS woos ABN with £49bn bid plan". BBC News Business. bbc.com. 25 April 2007. Archived from the original on 2009-05-22. Retrieved 2013-02-19.
  22. ^Matthieu Robbins (20 January 2009). "Was ABN the worst takeover deal ever?". The Independent. independent.co.uk. Archived from the original on 2012-10-25. Retrieved 2013-02-19.
  23. ^"Mixed fortunes for the buyers of ABN AMRO". The Economist. economist.com. 17 July 2008. Archived from the original on 2008-09-10. Retrieved 2013-02-19.
  24. ^Martijn van der Starre (11 July 2008). "Fortis Ousts Chief Votron After ABN AMRO Deal Depletes Capital". Bloomberg Businessweek. bloomberg.com. Retrieved 2013-02-19.
  25. ^"Fortis earnings fall 50% in Q2". The Economic Times. economictimes.com. 4 August 2008. Archived from the original on 2013-06-03. Retrieved 2013-02-19.
  26. ^Ben Livesey (11 July 2008). "RBS Says Fortis Rescue Won't Hurt Its ABN Amro Assets". Bloomberg Businessweek. bloomberg.com. Archived from the original on 2015-04-03. Retrieved 2013-02-19.
  27. ^"Fortis ABN AMRO sell-off in trouble". DutchNews.nl. 16 June 2008. Archived from the original on 16 April 2013. Retrieved 2013-02-19.
  28. ^Arleen Jacobius (12 August 2008). "Goldman group snags ABN AMRO unit". Pensions & Investments. pionline.com. Archived from the original on 2009-02-02. Retrieved 2013-02-19.
  29. ^Toby Lewis (18 August 2008). "Discount offered to offload ABN Amro's Secondaries". Private Equity News. penews.com. Archived from the original on 3 April 2015. Retrieved 2013-02-19.
  30. ^Alison Bell (10 September 2009). "ABN AMRO Morgans rebrands to RBS Morgans". Sydney Morning Herald. smh.com.au. Archived from the original on 2011-08-10. Retrieved 2013-02-19.
  31. ^"ABN Amro India ready for re-branding into RBS". Business Standard. business-standard.com. 25 May 2008. Archived from the original on 2013-06-19. Retrieved 2013-02-19.
  32. ^"UAE's ABN Amro Becomes RBS on February 6". Khaleej Times. khaleejtimes.com. 5 February 2010. Archived from the original on 2015-04-03. Retrieved 2013-02-19.
  33. ^"Royal Bank of Scotland's sale of Indian unit to HSBC falls through". The Times Of India. indiatimes.com. 1 December 2012. Archived from the original on 2018-02-01. Retrieved 2013-02-19.
  34. ^"Dutch government nationalises Fortis and ABN Amro". NRC Handelsblad. nrc.nl. 3 October 2008. Archived from the original on 6 June 2013. Retrieved 2013-02-19.
  35. ^"Completion of ABN AMRO Bank and Fortis Bank Nederland legal merger" (Press release). ABN AMRO. 30 June 2010. Archived from the original on 2012-11-30. Retrieved 2013-02-19.
  36. ^Aiofe White (18 November 2008). "Belgian court rejects appeal against Fortis sale". USA Today. USAtoday.com. Associated Press. Archived from the original on 2015-04-04. Retrieved 2013-02-19.
  37. ^"2 Presale Report - Structured Finance: Dutch RMBS"(PDF). DBRS. 2 October 2013. Archived from the original(PDF) on 29 May 2014.
  38. ^"SEC Charges Goldman Sachs With Fraud in Structuring and Marketing of CDO Tied to Subprime Mortgages" (Press release). US Securities and Exchange Commission. 16 April 2010. Archived from the original on 2013-02-14. Retrieved 2013-02-19.
  39. ^"Goldman Sachs SEC SETTLEMENT Reached -- And Stock SOARS". The Huffington Post. huffingtonpost.com. 15 July 2010. Archived from the original on 2013-05-21. Retrieved 2013-02-19.
  40. ^"Our Company". ABN AMRO. Archived from the original on 2013-01-30. Retrieved 2013-02-19.
  41. ^"ABN AMRO" (in French). OpesC. 2010. Archived from the original on 2011-03-26. Retrieved 2014-05-29.
  42. ^"DSF Industry Partners". Duisenberg School of Finance. Archived from the original on 2014-06-13. Retrieved 2014-05-29.

External links[edit]

Wikimedia Commons has media related to ABN AMRO.
Источник: https://en.wikipedia.org/wiki/ABN_AMRO

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Источник: https://zonanews.ge/e/ics-abn-amro-credit-card

Frequently Asked Questions

 

The General Terms and Conditions of the business creditcards of ICS will change as of 1 June 2021.

The new General Terms and Conditions can be found at General Terms and Conditions. It concerns the following changes:

ABN AMRO business Cards are only for ABN AMRO customers
You will only be able to use your ABN AMRO Card(s) if it is linked to an ABN AMRO business bank account. We will contact you if this is not the case.

A charge of €1.50 will apply to account statements sent by regular mail
When account statements are sent by regular mail, a charge of €1.50 per account statement applies. This fee will not be charged for deposit account statements. You can view, download, and print account statements free of charge when you log in to My ICS Business.

Would you like to stop receiving statements by regular mail and switch to digital statements? Activate My ICS Business:
• For the company statements: activate My ICS Business as Contact person on icsbusiness.nl
• For the Cardholder statements: ask Cardholders to activate My ICS Business as Cardholder on icsbusiness.nl

Activate My ICS Business

 

Additional conditions will apply to the Delivery Guarantee
If you would like to make use of the Delivery Guarantee, you must have paid the purchase amount directly to the merchant who has to deliver the product. In addition, you will need to send us the sales receipt of the product you paid for with your ABN AMRO business Card.

For information about the exchange rate, please use the Exchange Rate Calculator
For payments and cash withdrawals in foreign currency we use Mastercard exchange rates. These rates change daily. You can easily check the exchange rate for a transaction by using the exchange rate calculator at www.icsbusiness.nl/wisselkoersen. The exchange rate calculator also shows the exchange rate of the European Central Bank; this will allow you to see the difference between the ICS exchange rate and the ECB exchange rate. After a transaction in a foreign currency, we will not send you a separate message with a specification of the applied exchange rate and surcharge.

 

Источник: https://abnamro.icsbusiness.nl/EN/klantenservice/business-card/veelgestelde-vragen/

Contact

International Card Services BV

International Card Services BV (ICS) can be contacted by telephone 7 days a week, 24 hours a day.

Frequently asked questions

Via the link below you will find an abn creditcard service of answers to frequently asked questions. If you don't find an answer to your question, please contact us.

Frequently asked questions

Has your Card been lost? Or stolen?

Has your ABN AMRO credit card been lost or stolen? As soon as you find that your ABN AMRO credit card is missing, notify the police and International Card First internet bank login (Loss & Theft Department) on +31 (0) 20 6 600 611. Your ABN AMRO credit card will be blocked immediately.

The Loss & Theft Department is available 24 hours a day, 7 days a week.

Phone number

ABN AMRO Creditcard Services

Telephone number: +31 (0)20 - 6 600 123

ABN AMRO MeesPierson Creditcard Services

Telephone number: +31 (0)20 - 6 600 400

Address

Mailing address

International Card Services BVMailbox 232251100 DS  Diemen

Visiting address

International Card Services BVWisselwerking 581112 XS  Diemen

Transfer money to your Card

Do you wish to transfer money to your Card? This can be done by transferring money to the following account number:

  • IBAN: NL75 ABNA 0844 9970 56
  • BIC: ABNANL2A
  • Address: ABN AMRO BANK NV
    Postbus 283
    1000 EA Amsterdam

While transferring, always mention your customer number in the description field. This number can be found at the top of the 'overview' page whilst logged on to Creditcard Online.

General questions regarding ABN AMRO

For general questions regarding ABN AMRO you can call 0900 - 00 24 (€ 0,10 per minute).

From abroad: +31 10 241 17 20 (collect call is possible).

The quality of our service desk

Are you not satisfied?

ICS is committed to offering you the highest possible standard of service. If, however, you are not completely satisfied with our service, ICS will look for a solution with you. You can provide us with feedback in writing, by telephone or e-mail via the ICS Service Desk. Our contact details can be found at the bottom of this page, under 'Contact'.

If after contacting us you are still unhappy, or if the proposed solution does not meet your expectations, you can submit your complaint in writing to ICS’s complaints department. Please provide as much information as possible to enable us to assess your situation properly. Please address your complaint to:

[email protected]

or by mail:

International Card Services BV
T.a.v. afdeling Klachtenmanagement
Antwoordnummer 242
1100 VB Diemen
The Netherlands

If you feel that your complaint has not been resolved to your satisfaction, you may file a complaint with the Kifid (Financial Services Complaints Board) or with a competent court.

Our service dest quality certification

ICS’s Customer Service Department is one of twelve organisations in the Netherlands to have been awarded ITO quality certification. The ITO Foundation assesses the quality of customer service provided based on customer expectations. This certificate guarantees that the provider offers a high standard of customer service. ICS can be contacted 24 hours a day, 7 days a week, from anywhere in the world.

Источник: https://www.icscards.nl/abnamrogb/abnamrogb-info/contact

Credit cards

The advice on this website has been prepared without considering your objectives, financial situation or needs. You should, before acting on the advice, consider its appropriateness to your circumstances. Applications for credit cards are subject to credit approval. Full terms and conditions will be included in our Letter of Offer. Bank fees and charges apply.

~ Offer available on new Low Rate credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, including Low Rate Gold, CommBank Essentials and CommBank Neo credit card, existing cards, and switches from other card types, and will be forfeited if you switch to a different credit card type during the 16 month period. The 0% p.a. interest rate on purchases (but not balance transfers and cash advances) is valid for 16 months from the date of card approval. At the end of the 16 month period, the interest rate will convert to the standard variable purchase interest rate at that time. We reserve the right to close the offer prior to 28/02/2022.

# Offer available on new Low Fee credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, existing cards, switches from other card types, and new Low Fee credit cards if you currently hold, or have held, any Low Fee card type in the 12 months prior. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account. To be eligible for the $100 cashback on a new Low Fee card, you need to spend at least $1,000 on purchases (not including balance transfers and cash advances) using your new card within 90 days of activation. Cashback will be credited within 90 days of you meeting the spend criteria and will appear on your statement as ‘CASHBACK $100’. Cashback only available on one credit card per customer. We reserve the right to close the offer prior to 28/02/2022.

* Offer available on new Low Fee Gold credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, existing cards, switches from other card types, and new Low Fee credit cards if you currently hold, or have held, any Low Fee card type in the 12 months prior. You will be ineligible for the cashback if your account is closed, switched to another card or in default at any time prior to the cashback being credited to your account. To be eligible for the $150 cashback on a new Low Fee Gold card, you need to spend at least $1,000 on purchases (not including balance transfers and cash advances) using your new card within 90 days of activation. Cashback will be credited within 90 days of you meeting the spend criteria and will appear on your statement as ‘CASHBACK $150’. Cashback only available on one credit card per customer. We reserve the right to close the offer prior to 28/02/2022.

^ Offer available on new Ultimate Awards, Platinum Awards and Business Platinum Awards credit cards applied for between 01/10/2021 and 28/02/2022. Offer not available on all other card types, existing cards, and switches from other card types and is not available to customers who currently hold, or have held, any Awards card types in the 12 months prior. You will be ineligible for the bonus Qantas Points or CommBank Awards points if your credit card account is closed, transferred, or in default at any time prior to the points being credited to your account.

To be eligible for the 100,000 CommBank Awards points on a new Ultimate Awards card, you need to spend at least $5,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 70,000 bonus Qantas Points on a new Ultimate Awards card, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. You need to spend at least $5,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 70,000 CommBank Awards points on a new Platinum Awards or Business Platinum Awards card, you need to spend at least $4,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

To be eligible for the 50,000 bonus Qantas Points on a new Platinum Awards or Business Platinum Awards card, you must opt-in to Qantas Points in your CommBank credit card application or via the CommBank Awards website prior to meeting the spend criteria. You need to spend at least $4,000 on eligible purchases (excludes balance transfers, cash advances and any purchase that is reversed or refunded) using your new card within the first 90 days of activation. 

Bonus points will appear on your credit card statement as ‘Bonus Awards’ within 90 days of you meeting the eligibility criteria. 

If you opt-in to Qantas Points after applying but before you meet the eligibility criteria, you will receive 70,000 bonus Qantas Points on a new Ultimate Awards credit card, or 50,000 bonus Qantas Points on a new Platinum Awards or Business Platinum Awards card.

If you don’t opt-in to Qantas Points, or you opt-out of Qantas Points prior to meeting the eligibility criteria, you will receive the Bonus CommBank Awards points associated with this offer (100,000 CommBank Awards points on a new Ultimate Awards card or 70,000 CommBank Awards points for a new Platinum Awards or Business Platinum Awards card) in place of Qantas Points.

The earning and redemption of CommBank Award points are subject to the CommBank Awards Program Terms and Conditions available at commbank.com.au/awardst&cs. Once CommBank Awards points are transferred to Qantas Points, they are governed by the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms and cannot be converted back to CommBank Awards points or redeemed under the CommBank Awards Program.

Offer only available on one credit card per customer. We reserve the right to close the offer prior to 28/02/2022.

If you don't have any processed transactions in a given statement period and pay your previous statement closing balance in full by the due date, you won't be charged a monthly fee for that statement period. We may process transactions later than the day you originally made them. This is when your transaction is no longer a pending transaction and has been fully processed by us.

2  Eligible CBA credit or debit Mastercard, Business credit cards and StepPay customers, that are at least 18 years old, abn creditcard service not in hardship, and are not in default with any CommBank accounts can access CommBank Rewards through the latest version of the CommBank app. Terms and conditions including minimum spend requirements apply to CommBank Rewards and can be viewed within the CommBank app.

3 The annual fee is waived in the first year and every subsequent year if you spend at least $1,000 (Low Fee) or $10,000 (Low Fee Gold) in the previous year. Spend includes all purchases and cash advances fully processed in that year (excludes pending transactions) minus any refunds.

4 The annual fee is charged at $5 per month or $2 per month if you:

  • Set up automated monthly repayments through our credit card AutoPay from a CommBank transaction account and
  • Opt in to receive online statements on your CommBank Essentials account through NetBank (and to enable this, you maintain your NetBank facility and provide us with a valid email address)

5 You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points. If you are not a Qantas Frequent Flyer member, join for free. Membership and Qantas Points are subject to the terms and conditions of the Qantas Frequent Flyer program available at qantas.com/terms.

6 How you earn or redeem CommBank Awards points will be subject to the Commonwealth (CommBank) Awards Program Terms & Conditions. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). The number of points you can earn may be capped. Awards and the number of points required for Awards are subject to change at any time without notice.

a) How Awards points and Qantas Points work:

If you opt-in to earn Qantas Points, your CommBank Awards points earned each month are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period, at a rate of 2.5 CommBank Awards points to 1 Qantas Point. Points transferred to your Qantas Frequent Flyer account are captured on your CommBank credit card statement. Awards credit card holders can earn up to 50,000 Awards points per year, which is equal to 20,000 Qantas Points. Business Awards credit card holders can earn up to 60,000 Awards points per year, which is equal to 24,000 Qantas Points. Platinum Awards credit card holders can earn up to 150,000 Awards points per year, which is equal to 60,000 Qantas Points. Business Platinum Awards credit card holders can earn up to 300,000 Awards points per year, which is equal to 120,000 Qantas Points. Diamond Awards credit card holders can earn up to 1,000,000 Awards points per year, which is equal to 400,000 Qantas Points. Ultimate Awards credit card holders can earn unlimited Awards points per year, which are then transferred to Qantas Points.

7 If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs prior to 1 October 2018, the insurance is issued and managed by AWP Australia Pty Limited ABN 52 097 227 177 AFSL Abn creditcard service. 245631 (trading as Allianz Global Assistance) on behalf of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL No. 234708 for Commonwealth Bank of Australia.

If you activate an international travel insurance policy included with an eligible credit card or where a claim event on other insurances occurs on or after 1 October 2018, the insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia.

Cover is available for you, your spouse and your eligible dependent/accompanied children for return trips from Australia, up to a set period. You need to activate your international travel insurance included with eligible credit cards before each trip in order to have comprehensive level of cover. If you don’t activate, you’ll receive personal liability cover and overseas emergency medical assistance and overseas emergency medical and hospital expenses cover only.

Restrictions, exclusions (including for pre-existing medical conditions and persons aged 80 years or over), limits and excesses may apply to all insurances. More information and the relevant Credit Card Insurances Product Disclosure Statement and Information Booklet can be found here.

8 Mastercard Travel Rewards are only available through participating merchants outside Australia. To receive the advertised cashback, pay with your Diamond Awards or Ultimate Awards Mastercard at a participating overseas merchant and meet the offer’s terms and conditions. You must pay in the overseas currency of the offer – transactions made in Australian dollars are not eligible. An international transaction fee will apply for Diamond Award carholders only. Cashbacks may take up to 30 days to appear on your statement. Visit mtr.mastercardservices.com for a list of participating merchants and to find out more.

9 How you earn or redeem CommBank Awards points will be subject to the Commonwealth (CommBank) Awards Program Terms & Conditions. You only earn points on eligible transactions (this excludes, for example, BPAY transactions, cash advances, balance transfers and payments to the Australian Taxation Office unless made using a Business Awards card). Awards and the number of points required for Awards are subject to change at any time without notice. If you opt-in to earn Qantas Points, your CommBank Awards points earned each month are automatically transferred to your Qantas Frequent Flyer account at the end of each statement period, at a rate of 2.5 CommBank Awards points to 1 Qantas Point. Points transferred to your Qantas Frequent Flyer account are captured on your CommBank credit card statement.

How Ultimate Awards points work: 

You can earn up to 3 Awards points for eligible purchases you make on the Ultimate Awards card. 

You get 3 Awards points for every $1 spent on international transactions. International transactions include any purchase you make overseas or when shopping online from Australia if the merchant or entity who processes the payment is based overseas. 

You get 2 Awards points for every $1 spent at major Australian supermarkets, department stores and petrol stations. Earning these points depends on how the merchant categorises their business and provide us this information (directly or through their financial institution). You’re unable to get these points if you use an intermediary platform such as PayPal for these transactions.

You get 1 Awards point for every $1 spent on all other purchases. 

Once you have spent $10,000 in any given statement period, you will earn 0.5 Awards points for every dollar you spend on any other purchases within that period.

10 There is no monthly fee for the Ultimate Awards credit card if you: (i) Spend at least $2,500 during your statement period; and (ii) Choose to receive online statements. Otherwise the monthly fee is $35.

Spend includes all purchases and cash advances made using your Ultimate Awards credit card, minus any refunds. This is for all transactions fully processed in the given statement period (not pending transactions). You can opt in to receive online statements through NetBank or the CommBank app, which will require a valid email address.

11 Pay no international transaction fees for purchases you make overseas or online. For international cash advances, the cash advance fee will apply.

12 To gain access to participating airport lounges, you must present your Ultimate Awards card or your digital lounge access code on the Mastercard Airport Experiences app, along with your boarding pass and identify yourself as a LoungeKey member for validation.

Each time you visit a lounge, you will be charged a lounge visit fee to your Ultimate Awards card. You will also be charged a lounge visit fee for each additional guest you bring with you.

Please note, your lounge access may be blocked if your primary account is closed, in arrears, reported lost or stolen, or has been blocked by us for any reason.

To redeem an offer visit the Mastercard Airport Experiences app or airport.mastercard.com to select your preferred offer and generate an offer code. Present the valid offer code to the cashier and redeem the offer. Please note, offers vary by location.

For information on accessing lounges, offer locations, a full list of Terms and Conditions and Frequently Asked Questions, visit airport.mastercard.com or call +61 2 7202 3584, 24/7.

13 We’re unable to block cash advance transactions that aren’t sent to us for authorisation. These will not incur any additional fees or interest charges.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.

Источник: https://www.commbank.com.au/credit-cards.html

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