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Centraal Beheer

Ditzo

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	Centraal Beheer3.5Major Dutch insurer offering car, home, travel insurance plus savings and investment productsOpen account View full review	CZ3.5Dutch non-profit health insurer with 3M+ customers since 1930 — rated 8.0/10 for customer serviceOpen account View full review	Ditzo3.0Dutch direct insurance brand now integrated into a.s.r. as their online self-service channelOpen account View full review
Overview
Category	insurance	insurance	insurance
Difficulty		beginner
Founded	1909	1930	2008
Headquarters	Netherlands	Netherlands	Netherlands
Best for
Ratings
Overall	3.5	3.5	3.0
Fees		3.5	3.5
Platform	3.5	4.0	3.0
Safety	4.5	4.5	4.0
Product range	4.5	2.5	3.5
Fees & costs
Stock trading
ETF trading
Crypto trading
Currency conversion
Inactivity fee
Withdrawal fee
Custody fee
Deposit fee
Minimum deposit	-	-	-
Available products
Stocks
ETFs
Bonds
Options
Futures
Crypto
CFDs
Forex
Funds
Platform & features
Web platform
Mobile app
Desktop app
API access
Fractional shares
Savings plan
Demo account
Copy trading
Cash interest
Regulation & safety
Primary regulator	AFM / DNB	DNB	AFM / DNB
Investor protection	-	-	-
MiFID passported
Availability
Available in English
Languages	1 languages	1 languages	1 languages
Countries	1	1	1
Pros & cons
Pros	Over 115 years of history — well-established Dutch insurer Full range of insurance, savings, investment and pension products Part of Achmea — one of the largest Dutch financial groups Investment and savings accounts available alongside insurance	Non-profit health insurer — no profit motive 3M+ customers with 90+ year track record since 1930 8.0/10 customer service rating Contracts with 45,000+ healthcare providers Waiting list mediation service to reduce wait times	Part of major Dutch insurer a.s.r. Wide product range (auto, home, health, travel) Self-service online platform Sustainability-focused investing of premiums
Cons	Dutch only — no English interface Netherlands only — not available for expats in other countries Complex product range may be overwhelming Investment fees not clearly displayed on homepage	Dutch language only — no English support Netherlands only — not available to expats without Dutch residency Health insurance only — no other financial products Basic Dutch health insurance is mandatory and standardized	Brand merged into a.s.r. Dutch-only service Netherlands only No standalone identity anymore
	Open account	Open account	Open account

Centraal Beheer

3.5

Major Dutch insurer offering car, home, travel insurance plus savings and investment products

insuranceNetherlandsSince 1909

Open account See review

CZ

3.5

Dutch non-profit health insurer with 3M+ customers since 1930 — rated 8.0/10 for customer service

insuranceNetherlandsSince 1930

Open account See review

Ditzo

3.0

Dutch direct insurance brand now integrated into a.s.r. as their online self-service channel

insuranceNetherlandsSince 2008

Open account See review

Quick verdict

Best fees

CZ, Ditzo

Safest

Centraal Beheer, CZ

Most products

Tied

Best platform

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