Achmea Bank
Achmea Bank N.V. is a Dutch retail bank and wholly-owned subsidiary of Achmea B.V. offering savings products, residential mortgages, and investment services to Dutch consumers under the Centraal Beheer, Acier Financieringen, and Attens Hypotheken brands.
- Company typePrivate
- Founded1995
- HeadquartersTilburg, Netherlands
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Achmea Bank does
Achmea Bank N.V. is a Dutch retail bank and wholly-owned subsidiary of Achmea B.V., a major Dutch financial services group with cooperative origins. Founded in 1995 with operational headquarters in Tilburg and statutory seat in The Hague, the bank serves Dutch retail customers with three core product lines: savings deposits, residential mortgages, and investment services. It distributes these products through three consumer-facing brands — Centraal Beheer (savings, PSD2, investments, mortgages), Acier Financieringen (mortgages), and Attens Hypotheken (mortgages) — as well as through the Raisin European savings marketplace and a network of independent mortgage advisors (hypotheekadviseurs). As of year-end 2025, the on-balance mortgage portfolio stood at EUR 19.0 billion (up 9% from EUR 17.4 billion a year earlier) and the retail savings portfolio was approximately EUR 10.0 billion; total serviced mortgage portfolio reached EUR 34 billion following the October 2024 acquisition of Syntrus Achmea Hypotheekdiensten B.V.
The bank's revenue model is predominantly interest-rate-spread driven, with a 2025 net interest result of EUR 213 million (2024: EUR 228 million) and fee and commission income of EUR 48 million (up from EUR 13 million in 2024, lifted materially by the Syntrus acquisition). Operating profit before taxes was EUR 76 million in 2025 (2024: EUR 92 million), indicating margin compression despite portfolio growth. The bank funds its mortgage book via a EUR 10 billion Soft Bullet Covered Bond Programme (expanded from EUR 5 billion in January 2024) and a EUR 5 billion Retained SBCB Programme, both backed by Dutch prime residential mortgages and carrying European Covered Bond (Premium) Label certification. Capital strength is a defining feature, with a Total Capital Ratio of 20.7% and CET1 ratio of 17.4% as of year-end 2025, well above regulatory minima, and the bank distributed EUR 110 million in dividends to Achmea B.V. in 2025.
The bank's technology stack includes a DNB-approved Advanced Internal Ratings-Based (A-IRB) risk model being implemented for capital calculations from March 2026, AI-driven document scanning applied to risk assessments and customer investigations, and a broad operational partner ecosystem spanning mortgage administration (Quion, Stater), identification (iDIN, AMP Groep), property valuation (Calcasa), payment verification (SurePay), and customer onboarding (Ockto, I-Wise). The bank holds a DNB banking license, AFM registration (number 12000011), GDPR compliance, WWft and Wft compliance, and participates in the National Mortgage Guarantee (NHG) scheme. Operational headcount is in the 101–250 range, and the institution operates under a Green Finance Framework externally reviewed by ISS ESG for sustainable financing.
Achmea Bank firmographics
Firmographics- Name
- Achmea Bank
- Legal name
- Achmea Bank N.V.
- Website
- https://achmeabank.nl
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Achmea Bank N.V. is a Dutch retail bank and wholly-owned subsidiary of Achmea B.V. offering savings products, residential mortgages, and investment services to Dutch consumers under the Centraal Beheer, Acier Financieringen, and Attens Hypotheken brands.
- Ownership category
- akta.pro rank
Where Achmea Bank is headquartered
LocationHeadquarters
- HQ city
- Tilburg
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
Achmea Bank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Primary revenue source from the spread between interest earned on mortgage loans and interest paid on retail savings deposits. The interest result was EUR 213 million in 2025 (2024: EUR 228 million). The on-balance mortgage portfolio grew to EUR 19.0 billion by year-end 2025.
- Fees and Commission Income: Revenue from mortgage servicing activities and fees from the acquisition of Syntrus Achmea Hypotheekdiensten B.V. Fee income increased to EUR 48 million in 2025 (2024: EUR 13 million). Also includes PSD2 account information services and payment initiation services.
- Capital Markets Issuance: Funding raised through issuance of soft bullet covered bonds and senior preferred bonds under EUR 10 billion programs. The bank issues bonds to institutional investors with proceeds used to refinance Dutch mortgage portfolios.
Go-to-market motion2 records
Distribution channels5 records
Marketing channels4 records
Achmea Bank product offering
Product offeringCore offering
Achmea Bank provides residential mortgages, retail savings products, and investment services to Dutch consumers under multiple consumer-facing brands including Centraal Beheer, Acier Financieringen, and Attens Hypotheken. The bank also offers PSD2-enabled account information and payment initiation services and operates Soft Bullet Covered Bond funding programmes backed by Dutch prime residential mortgages.
Product overview
Achmea Bank is a Dutch bank offering a comprehensive portfolio of savings products, mortgage products, and investment services to retail customers under multiple brands: Centraal Beheer (savings, PSD2, investments, and mortgages), Acier Financieringen (mortgages), and Attens Hypotheken (mortgages). The bank also operates under its own Achmea Bank brand for savings products via Raisin. Following the October 2024 acquisition of Syntrus Achmea Hypotheekdiensten B.V., the bank services a mortgage portfolio of EUR 34 billion. Funding is supported by EUR 10 billion Soft Bullet Covered Bond Programme and EUR 5 billion Retained Soft Bullet Covered Bond Programme, both backed by Dutch prime residential mortgages. The bank also operates under a Green Finance Framework for sustainable financing.
Differentiator
Problem solved
Functional benefit
Products and services
- Savings Products (Spaarproducten)
- Mortgage Products (Hypotheekproducten)
- Investment Services (Beleggingsdiensten)
- PSD2 Diensten
- Soft Bullet Covered Bond Programme
- Retained Soft Bullet Covered Bond Programme
Quantifiable outcome
- On-balance mortgage portfolio grew 9% to EUR 19 billion in 2025
- +2 more outcomes
Companies that use Achmea Bank
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles2 records
Achmea Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration22 records
AI capability4 records
Feature6 records
Achmea Bank partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core.
- NVVK (Nederlandse Vereniging voor Schuldbemiddeling)coreAchmea Bank signed covenant with NVVK for quick assistance to customers with debts. The agreement provides uniform procedures within the banking sector for debt assistance, temporarily suspending collection measures when customers start municipal debt assistance programs.
- RaisincoreRaisin is a European savings marketplace through which Achmea Bank offers its savings products to customers across Europe.
- QuioncoreQuion provides mortgage administration processing services for Achmea Bank, handling mortgage data management and processing.
- StatercoreStater provides mortgage administration services, particularly for Staalbankiers mortgages. Customers login through Stater portal.
- TopicuscoreTopicus provides processing services for savings and investment administration, integrated into Achmea Bank's operational systems.
- EquensWorldline (Currence IDEAL B.V.)coreEquensWorldline processes payment transactions including the Dutch iDEAL/Wero payment system for online payments and payment initialization.
- iDINcoreiDIN provides digital identification services used by Achmea Bank for identity verification of new customers and secure login (2FA) to online portals.
- SurePaycoreSurePay provides the IBAN Naam Check verification service used by Achmea Bank to verify account holder names during payment transactions.
- AryzacoreAryza (CreditNavigator) provides preventive and special assets management services for managing at-risk mortgages.
- CalcasacoreCalcasa provides property valuation services for assessing mortgage collateral values.
- I-TekcoreI-Tek provides security services and preventive/special management services for Achmea Bank.
Scale indicators9 records
Recent moves9 records
Expansion highlights5 records
Achmea Bank competitors and assessment
Company assessmentDirect peers
- BLG Wonen: Dutch mortgage lender and intermediary, part of de Volksbank. Directly comparable in Dutch residential mortgage origination and servicing focus.
- ING Bank (ING Groep): One of the largest Dutch banks offering retail mortgages, savings, and investment services to Dutch consumers. Direct overlap in core product set (savings + residential mortgages), though materially larger and more diversified.
- Rabobank: Dutch cooperative bank with a leading residential mortgage franchise and retail savings base. Directly comparable business model with strong mortgage origination and cooperative ownership background.
- ABN AMRO: Major Dutch bank providing retail and wholesale banking including residential mortgages and savings. Direct peer in core Dutch retail banking and mortgage origination.
- de Volksbank: Dutch retail bank (SNS, ASN, RegioBank, BLG Wonen brands) focused on mortgages and savings. Closest size and product-mix comparable to Achmea Bank among Dutch peers.
- NIBC Bank: Dutch specialty lender with mortgage and savings offerings, smaller scale than the major Dutch banks. Comparable in residential mortgage focus and covered bond funding model.
- Obvion: Dutch mortgage servicer and originator (joint venture historically linked to Rabobank). Directly comparable in Dutch mortgage servicing and origination.
- NN Bank: Dutch bank within NN Group offering savings and investment products to retail customers. Comparable in Dutch retail savings and investment focus, narrower mortgage overlap.
Regional players
- Argenta: Belgian bank with significant presence in the Dutch retail savings and mortgage market. Comparable product set though operates from Belgium with primary geographic focus outside the Netherlands.
Broad incumbents
- a.s.r. (formerly Aegon Nederland): Large Dutch insurance and banking group that absorbed Aegon's banking and mortgage activities. Overlaps in savings and mortgage products as part of a broader insurance-led franchise.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Achmea Bank compliance and trust
Trust signalCompliance8 records
Achmea Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Achmea Bank leadership team
Management profileNumber of profiles
Profiles5 records
Achmea Bank subsidiaries and ownership
Company hierarchySubsidiaries1 record
Achmea Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Achmea Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Achmea Bank
What does Achmea Bank do?
Achmea Bank provides residential mortgages, retail savings products, and investment services to Dutch consumers under multiple consumer-facing brands including Centraal Beheer, Acier Financieringen, and Attens Hypotheken. The bank also offers PSD2-enabled account information and payment initiation services and operates Soft Bullet Covered Bond funding programmes backed by Dutch prime residential mortgages.
Is Achmea Bank a public or private company?
Achmea Bank is a private company. It is classified as corporate owned and is currently operating.
When was Achmea Bank founded?
Achmea Bank was founded in 1995. It employs 101 to 250 people.
Where is Achmea Bank based?
Achmea Bank is headquartered in Tilburg, Netherlands, in the Europe region.
How does Achmea Bank make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are fees and Commission Income and capital Markets Issuance.
Who are Achmea Bank's main competitors?
Direct peers on record are BLG Wonen, ING Bank (ING Groep), Rabobank, ABN AMRO, de Volksbank, NIBC Bank, Obvion and NN Bank. Argenta is listed as a regional player. a.s.r. (formerly Aegon Nederland) is listed as a broad incumbent.
Does Achmea Bank have an API?
No public API is recorded for Achmea Bank.