EuropeNetherlandsLicensed-entity research

ING Bank N.V.

ING Bank N.V. (Dutch banking legal entity; not the holding company ING Groep N.V. or the brand name)

ING Bank N.V. is a Dutch banking legal entity with a specific banking business record in the DNB register. Its retail pages publish a process for personal current accounts in the Netherlands, while its business account page requires applicant businesses to be registered with the Dutch Chamber of Commerce. Public information supports specific application routes for individuals and businesses, but does not establish that non-EU passport holders, foreign businesses or all non-residents can open accounts; the bank must review and confirm each case.

Regulator: European Central Bank (ECB, prudential supervision under the Single Supervisory Mechanism); De Nederlandsche Bank (DNB, prudential powers not transferred to the ECB, payment systems and financial crime supervision); Netherlands Authority for the Financial Markets (AFM, conduct supervision)
Check date: 2026-10-26
Verify status: Some information remains to be confirmed: DNB's entity-level banking register record for ING Bank N.V. has been found, and ING's original pages on personal account opening, identity verification, expats and business accounts have been reviewed. Official sources support the Dutch Wwft, CRS/FATCA, sanctions and deposit protection baselines. ING's complete eligibility conditions for non-EU passport holders, ongoing account-opening conditions for non-residents, acceptance of overseas businesses/complex control structures, complete application documents and personal account fees still require written confirmation from the bank.

Research scope and official resources

Topic number:europe-ing-bank-nv

selection.json lists this as a candidate mapped from a group asset ranking among publicly listed large-institution selections based on 2025/2026. The S&P Global 2026 ranking is primarily based on year-end 2025 assets and its disclosure methodology, but no individual ranking for ING Bank N.V. has been confirmed on that basis. This candidate set is not a real-time top 100, evidence of account application acceptance, or licensing fact.

Bank’s official website

Personal Eligibility and Documents

Individuals residing in the Netherlands or visiting the Netherlands to conduct everyday banking may refer to ING’s publicly available application process for personal current accounts: applicants meeting the conditions listed on the page can apply through the ING App. The page expressly states that European passport holders must be at least 18 years old and have the relevant documents ready, such as a valid European passport or identity card, Dutch driving licence, or Dutch residence permit. ING also has an expat page stating that an account can be opened before arriving in the Netherlands, but the section for non-EU passports does not show the full eligibility and document requirements; this does not establish that all foreign residents or non-residents can apply. If an applicant does not yet have a BSN, the page allows them to start the application, but requires it to be provided within 90 days. Eligibility for long-term holding by non-residents, specific residence restrictions, document requirements by country for non-EU applicants, and whether pre-arrival applications apply to any nationality all require written confirmation from ING.

Personal information publicly disclosed or identified

【Identity documents publicly accepted by ING; applicability depends on the application route】Valid passport; Dutch driver’s license (foreign driver’s licenses are not accepted); Dutch identity card; identity card issued by an EU member state showing a photo and the holder’s name; foreign national’s document issued under the Dutch Aliens Act 2000.
【ING’s published personal app process conditions】Use the ING App and an NFC-enabled smartphone to complete identity verification; scan the document and verify the address as instructed on the page.
【General preparation guidance; not a complete mandatory list published by ING】Prepare your current address and proof of address, a tax residency self-certification where applicable, any existing BSN or other tax identification number, and explanations of the source of funds and purpose of the account, in case you need to respond to additional due diligence questions from the bank. ING has not published a uniform list of acceptable proof-of-address documents or a complete document list applicable to every type of applicant.

Company eligibility and documents

ING’s business account page expressly states that applicant businesses must already be registered with the Dutch Chamber of Commerce (KVK). Applications can usually be made online, but in some cases a visit to an ING branch is still required. The bank verifies the applicant’s personal information and business details and may ask additional questions. The public page does not state whether companies registered only abroad, without Dutch KVK registration, can open an account, nor does it fully specify eligibility rules for foreign shareholders, complex ownership structures, non-resident directors or corporate tax residence. The bank must confirm whether a foreign company registered with KVK meets the specific product requirements.

Company information publicly disclosed or identified

【ING’s published threshold】The company applying must be registered with the Dutch Chamber of Commerce (KVK); the bank will verify personal and company information during the application and may ask additional questions.
【General preparation guidance; not a complete list confirmed item by item on ING’s website】It is advisable to have KVK registration and company information, identification for signatories/authorized persons, ownership and UBO information, details of business activities and the purpose of the account, tax residency information, and an explanation of the source of funds ready. Confirm with ING which forms are required, the certification method, translation/certification requirements for foreign documents, and the list of documents proving UBO status.

Address, tax, and remote / witnessed procedures

Address and tax

For personal tax identification numbers, ING uses the term Dutch BSN. Its expat page says an application can be started without a BSN, but it must be provided within 90 days. If not submitted by then, the account will first be restricted, followed by an additional 30-day period to provide it; if the requirement is not met, the bank will close the account. The page says that people who become Dutch tax residents or stay in the Netherlands for more than 4 months should register with the municipality to obtain a BSN. ING’s identity-verification requirements include checking the address shown on the identity document, but the pages reviewed do not list a uniform, separate proof-of-address document or a list of acceptable foreign tax numbers. Businesses must have Dutch KVK registration; the business account-opening page does not fully publish requirements for company tax numbers, proof of tax residence or overseas addresses. Dutch CRS rules require relevant financial institutions to determine tax-residence jurisdiction and collect a declaration; ING should confirm the specific form and tax number required from the applicant.

Remote / witnessing

Individual customers can use the app at home for document recognition as described on ING's website; if this cannot be completed in the app, they can visit an ING Service Point. The expat page also lists online or appointment-based branch options. Public information does not establish that third-party witnessing, remote notarisation, or video identity verification alone is available for applicants from any country worldwide; applicants should confirm with ING based on their nationality, location, and product.

Public process reference

Personal: Select a current account in the ING App and enter the requested information. Follow the instructions to scan documents, confirm your identity, and verify your address. If you cannot complete the process in the app, contact ING or visit a Service Point.
Individuals: If you do not have a BSN when applying, provide it within 90 days as required on ING’s page. If the deadline is missed, the bank will proceed as publicly described; the account may be restricted and closed after an additional period.
Businesses: Confirm that the business is registered with the Dutch KVK, select the appropriate business account package, and submit an application. ING says that in most cases the process can be completed online, but some cases require a branch visit.
Businesses: Wait for ING to verify the individual's and business's information and respond to any additional questions. The account will be opened only after the application is approved. Confirm the case-specific process for foreign passports, non-residents, or overseas shareholder structures with the bank in writing.

Compliance topics, details, and sources

Dutch anti-money laundering and customer due diligence (Wwft / AML-CFT)

DNB explains that the Dutch Anti-Money Laundering and Anti-Terrorist Financing Act (Wwft) applies to institutions such as banks and requires financial institutions to take proportionate measures based on customer, product, transaction, channel and geographical risks. DNB supervises their risk-based anti-money laundering and counter-terrorist financing controls. ING’s business account page also expressly states that it checks applicants’ personal information and company details and may ask additional questions. The published information does not provide all the due diligence forms or review criteria ING applies consistently to every applicant.

Source:ING — Business current account ；De Nederlandsche Bank — Supervision of financial crime prevention

Business UBO, business purpose and source of funds

The KVK explains that a UBO is an owner of an organisation or a person who has ultimate decision-making authority over its operations, and that UBO registration helps prevent fraud, crime and terrorist financing. Under the Wwft, banks conduct risk-based customer due diligence; applicant businesses should be prepared to truthfully explain control, business activities, the purpose of the account and the source of funds. ING’s public business account page only confirms that it will verify personal information and company details; it does not itemise its UBO or source-of-funds document requirements. The preparation guidance above does not represent the bank’s published complete policy.

Source:ING — Business current account ；De Nederlandsche Bank — Supervision of financial crime prevention ；Netherlands Chamber of Commerce — Ultimate Beneficial Owner UBO

Tax Residency Declarations, CRS, and FATCA

The Dutch Tax and Customs Administration explains that under CRS, financial institutions must determine the tax residence of relevant individuals or organizations and obtain a declaration. Information on relevant accounts held by persons tax-resident, or entities established, outside the Netherlands may be exchanged by the Dutch Tax and Customs Administration with the corresponding tax jurisdiction. There is also a separate Netherlands–United States FATCA intergovernmental arrangement: Dutch financial institutions may have to report accounts related to U.S. tax residents to the Dutch Tax and Customs Administration, which then transmits the information to the IRS. This U.S. matter should be described as a FATCA arrangement, not as the United States joining CRS. ING confirms which tax identification numbers/forms a particular individual or business must provide based on the account and tax-residence status.

Source:Belastingdienst — Financial data exchange under the CRS ；Belastingdienst — Foreign Account Tax Compliance Act FATCA

Dutch and applicable international sanctions screening

DNB explains that financial institutions must check customers against sanctions lists and periodically re-screen existing customers; when applicable sanctions are matched, they must apply the relevant restrictions and report as required. Account opening and ongoing relationships may be subject to applicable UN, EU and Dutch sanctions rules; eligibility to open an account must not be understood as permission to bypass screening.

Source:De Nederlandsche Bank — Financial sanctions ；De Nederlandsche Bank — Supervision of financial crime prevention

Dutch deposit protection

DNB explains that the Dutch deposit guarantee scheme protects up to 100,000 euros per depositor per bank, starting from 1 euro cents, and that business accounts are also covered by the scheme. Whether it applies to a specific account, joint account, special institution or particular financial product, and how coverage is calculated, depends on the DNB scheme rules and the legal relationship governing the bank account. Securities, investments or non-deposit products should not automatically be treated as covered deposits.

Source:De Nederlandsche Bank — Dutch deposit guarantee

Account Opening Compliance Information

Account Opening Compliance and Document Preparation Guide

This page lists separately the requirements published by the bank, local regulations, and document preparation suggestions. Acceptance and specific requirements are subject to confirmation by the bank.

This expansion covers the public application and KYC preparation for ING Bank N.V. Dutch business current accounts. It does not conflate ING Groep N.V. with the banking legal entity or extend to personal account applications. ING publicly requires applicant companies to be registered with the Dutch Chamber of Commerce (KVK); whether a specific legal form, foreign ownership chain, or nonresident related person is accepted remains subject to confirmation by the bank on a case-by-case basis. Mr. Tang can provide dedicated follow-up on documents and appointments, with fees explained in advance and timing confirmed; no bank outcome is guaranteed.

Date information checked:2026-10-26

Document Preparation Checklist

Business entity, representative and signing authority

Who it applies to: Businesses registered with the Dutch Chamber of Commerce (KVK) and persons authorised to apply on their behalf; not applicable to the personal account-opening route, which has not been verified for this case.
Documents to Prepare: 【Explicitly stated by ING】Each representative must bring valid identification; the page lists a passport, identity card, Dutch driver’s license or official residence document.
【Explicitly stated by ING】Bring the company’s KVK number; if there are multiple jointly authorized representatives, arrange for enough representatives to attend, including at least one representative responsible for organizing the company’s banking matters.
【Preparation suggestion】Prepare a power of attorney, board/partner authorization resolution, and an explanation of representative authority to show who may operate the account individually or jointly. ING has not listed these on the pages reviewed as documents uniformly required of all businesses.
Description: ING states that most applications can be handled online, but some require a branch visit; the people attending should reflect the actual authorization arrangements. The pages reviewed do not fully publish uniform standards for original documents, certified copies, translation languages, authentication/notarization or document validity periods; confirm each requirement when arranging the appointment.

Source:ING — What should you bring to your appointment?；ING — Business current account

UBO identity, ownership and control chain

Who it applies to: The beneficial owners/controllers of companies, foundations, partnerships or other organizations, and entities that hold interests directly or indirectly; assess according to the specific legal form.
Documents to Prepare: 【Explicitly stated by ING】An organization with a UBO must register the UBO; if the UBO is listed in the UBO register, bring an extract from the register to the appointment. ING must record the name, gender, date of birth, country and place of birth, nationality and address shown on the UBO’s identity document.
【Explicitly stated by ING】A UBO who directly holds an interest in the organization, with no intermediate legal entity, can submit details digitally; where there is an intermediate entity such as a holding company, the ownership and control structure from the customer organization to the UBO must be reported using a form. ING says it cannot automatically retrieve the UBO register to replace collecting information directly from the customer.
【Preparation suggestion】Prepare a layered shareholding/voting-rights chart, together with company registration documents for each layer, shareholder registers, or other documents showing contractual control. Check that the identity documents for all UBOs match the organizational registration information. Confirm with ING which types of evidence are required.
Description: ING states that it may periodically require businesses to submit or review UBO information, and may also request updates when the organizational structure changes. Requirements for document format, attachments for complex ownership chains, certification and translation have not been published; a particular format should not be assumed to be a uniform mandatory standard.

Source:ING — What should you bring to your appointment?；ING — Submit UBO information；De Nederlandsche Bank — DNB Wwft Q&As and Good Practices

Business Purpose, Cross-Border Tax Identification Numbers, and Evidence of Funds

Who it applies to: Organizations intending to open a business account, particularly where the organization or its UBO has overseas incorporation, operations, or tax-residence connections.
Documents to Prepare: 【Explicitly stated by ING】If the organization is also established outside the Netherlands, bring the tax identification number (TIN) for that country; in some cases (for example, a holding company), ING may also need to know the UBO’s tax residence. If a UBO is tax resident abroad and has a TIN for that country, bring it.
【Preparation suggestion】Prepare a concise business description covering products/services, the countries where customers and suppliers are located, the account’s purpose, and the types and approximate amounts of expected incoming and outgoing payments, supported by contracts, invoices, or orders as evidence of genuine business activity.
【Preparation suggestion】Prepare an explanation of the source of initial funds and corresponding shareholder contribution records, recent financial statements, relevant bank statements, or transaction contracts. This is preparation for responding to risk review questions, not a uniform list published by ING for all customers.
Description: ING’s business account page only states that it verifies personal information and business details and may ask additional questions when necessary; it does not publish transaction thresholds by industry, a list of source-of-funds documents or authentication standards for foreign documents. Do not describe the preparation suggestions above as documents ING expressly requires.

Source:ING — What should you bring to your appointment?；ING — Business current account；De Nederlandsche Bank — DNB Wwft Q&As and Good Practices

Due diligence and enhanced verification

UBO, authorized persons and control structure

Basis for Verification: 【Explicitly stated by ING】The bank collects and records company UBO information and requires customers to submit it directly; use a structure form when there are intermediate holding entities. DNB’s interpretation of the Wwft requires institutions to identify customers and representatives, verify representatives’ authority, identify UBOs and take appropriate identity verification measures based on risk, and understand the legal entity’s ownership and control structure. For many legal entities, shareholding/voting rights/ownership interests of more than 25% can indicate a UBO, but DNB explicitly states that this percentage is indicative; a person who ultimately controls the entity by other means may also be a UBO, so 25% must not be treated as a general exemption threshold for all organizations.
Preparation recommendation: List, at each level, direct/indirect ownership percentages, voting rights, director appointment/removal rights, and contractual control rights. Explain nominee holdings, trusts, foundations, or control arrangements where no natural person meets commonly used percentage thresholds. If the bank’s register differs from the application documents, check and explain the discrepancy first.
Scope: The bank’s stated method of collecting UBO information and the Netherlands’ risk-based requirements under the Wwft are presented separately. The identification method depends on the organization’s legal form and the facts of the case; this does not mean that ING has published all of its internal standards.

Source:ING — Submit UBO information；De Nederlandsche Bank — DNB Wwft Q&As and Good Practices

Purpose of the business relationship, expected transactions and source of funds

Basis for Verification: 【Local regulatory baseline】DNB guidance states that Wwft due diligence should establish the purpose and intended nature of the business relationship and continuously monitor whether the relationship and transactions are consistent with the bank’s knowledge of the customer and its risk profile; further investigation into the source of funds may be necessary. 【Stated by ING】ING verifies personal and company information as part of a business account application and may ask additional questions.
Preparation recommendation: Prepare a consistent explanation of the account-opening purpose, business activity, expected monthly receipts and payments, transaction currencies/countries, main counterparties and source of funds. For large shareholder contributions, intra-group transactions or transactions inconsistent with the registered business, also prepare contracts, invoices, financial statements or an explanation of the flow of funds.
Scope: Wwft requirements for regulated institutions call for risk-based due diligence; they do not mean that ING has published a fixed questionnaire or a uniform amount threshold. The listed documents are suggestions for applicants to prepare.

Source:ING — Business current account；De Nederlandsche Bank — DNB Wwft Q&As and Good Practices

Offshore tax connections and tax residency information

Basis for Verification: 【Explicitly stated by ING】If the organization is also established outside the Netherlands, the appointment information page requires the TIN for that location; for some organizations (the page gives holding companies as an example), the bank may ask about the UBO’s tax residence. If the UBO is tax resident outside the Netherlands and has a TIN for that location, bring it. The pages reviewed do not provide tax forms applicable to all businesses or rules exempting foreign TINs.
Preparation recommendation: Check the organization’s place of registration, place of actual business, and tax residence, and prepare any foreign TINs obtained and the corresponding countries. If a TIN has not been obtained or is considered inapplicable, prepare a brief explanation and confirm with ING how to complete the forms.
Scope: The scope expressly stated by the bank on its appointment materials page; this does not support inferring any particular tax residency eligibility, CRS/FATCA reporting conclusion, or eligibility for overseas applicants.

Source:ING — What should you bring to your appointment?

PEPs, sanctions and other high-risk connections

Basis for Verification: DNB’s Wwft guidance requires risk profiles and proportionate due diligence based on customer, relationship and transaction risks. The ING materials reviewed did not publish its PEP identification form, sanctions-screening details, additional approval levels or acceptance criteria for different risk categories.
Preparation recommendation: If a UBO, representative or significant transaction counterparty has a politically exposed person connection, a link to a sanctioned jurisdiction, or other circumstances that may trigger screening, disclose this truthfully and proactively, and be prepared to provide identity/relationship explanations and information on the source of funds and wealth and the transaction background. This is advice on preparing for review and does not mean that such status automatically results in account refusal. Ask about any additional documents needed for the specific ING case when making an appointment.
Scope: Do not infer ING's internal risk appetite or screening procedures; PEP status should not be equated with a sanctions match or automatic rejection.

Source:ING — Business current account；De Nederlandsche Bank — DNB Wwft Q&As and Good Practices

Ongoing Compliance Requirements After Account Opening

UBO and changes to organizational structure

ING states that it may periodically require UBO information to be submitted or reviewed and may request updates when the organization changes. The bank must collect and record the information directly from the customer; registration in the UBO register alone does not remove this requirement. Direct ownership can use the digital submission route, while ownership through intermediate holding entities is reported using a form describing the control chain. Customers should promptly check for and respond to bank requests after changes to shareholding, control or UBO status. ING has not published a uniform review interval.

Source:ING — Submit UBO information

Transaction and customer risk reviews

DNB’s guidance requires banks to monitor relationships and transactions throughout a business relationship and take reasonable steps to keep customer information up to date. Depending on risk, they may repeat due diligence, adjust the risk profile and, where necessary, investigate the source of funds. Customers should retain contracts, invoices, accounting records and explanations for significant incoming and outgoing payments, and respond promptly to information verification requests. This does not mean that customers must notify the bank in advance of every transaction; specific triggers and review intervals have not been published.

Source:De Nederlandsche Bank — DNB Wwft Q&As and Good Practices

Accuracy of business, representative and tax information

Businesses should check whether ING needs to be notified of changes to representative authority, registration details, contact address, business activities, or foreign tax connections. Information concerning foreign entity TINs and foreign tax-resident UBOs should remain explainable and traceable. The ING page reviewed does not provide reporting deadlines or update channels for every information category; when details change, confirm according to the bank's notice or the My ING Business instructions.

Source:ING — What should you bring to your appointment?；ING — Submit UBO information

Please confirm with the bank before booking

When applying in the legal form of a business, is KVK registration strictly required? The appointment information page says churches or associations with limited legal capacity do not need to bring a KVK number. How does this exception apply to eligibility and appointment documents?
If this company has joint signing representatives, which representatives must attend in person or complete online identity verification? Are there specific formats required for powers of attorney or board resolutions?
Our ownership chain includes an overseas holding company. Do we need to use a UBO form? Besides a UBO register extract and identification documents, what registration documents are needed for each ownership level, and do they need translation or certification?
In what form must foreign TINs for the organization and UBOs be submitted? If a tax jurisdiction does not issue a TIN or one has not yet been obtained, what explanation or alternative documents does ING accept?
For this industry and expected cross-border payments, what evidence of business purpose, source of funds, or source of wealth will ING require? Must an expected transaction volume or list of main counterparties be provided?
What are the review time for a business account application, KYC/customer due diligence fees, document language requirements and frequency of UBO reviews? Is the dispatch of account documents within 5 business days after approval, as listed on the website, solely a post-opening mailing arrangement?

Not confirmed by public information

The bank’s published page does not state whether businesses incorporated overseas but not registered with the Dutch KVK, non-resident representatives or specific complex ownership structures may apply; the published business account eligibility criteria require registration with the Dutch KVK.
The UBO page indicates that submission procedures differ for direct holdings and holdings through an intermediate legal entity, but the specific form attachments, document language, certification and translation rules have not been fully published.
Internal thresholds, risk appetite, additional approvals and acceptance restrictions for PEP/sanctions reviews are not public. These must be confirmed with the bank on a case-by-case basis; no fixed deposit or review timeframe should be inferred.
The website states that, after approval, account information is sent in four letters dispatched within 5 business days; this is not a commitment regarding application approval time. Business investigation fees and other additional charges may apply separately, and the specific amounts should be confirmed before applying.

Sources & Scope of Verification

ING — What should you bring to your appointment?
At a business appointment, the representative must bring valid identity documents, the KVK number, TIN details for foreign organizations and UBOs, UBO identity information, a UBO register extract and authorization arrangements for those attending. The page states that other legal forms may require additional documents.
ING — Business current account
Businesses must be registered with the Netherlands Chamber of Commerce (KVK) to apply. The process can be completed online or sometimes at a branch; the bank verifies applicant and business information and may ask additional questions. The page lists plan prices and the time for dispatching account documents after approval, which does not indicate the review time.
ING — Submit UBO information
ING collects and records UBO and organizational structure information directly from business customers and may request submission/review periodically or when the organization changes. The submission process differs for direct ownership and ownership through intermediate holding entities.
De Nederlandsche Bank — DNB Wwft Q&As and Good Practices
Dutch Wwft customer due diligence objectives, verification of representative authority, UBO and ownership/control structure, purpose and intended nature of the relationship, risk-based review, the indicative 25% threshold for many entities and other forms of control, ongoing transaction monitoring, and updates to customer information.

Fees and timelines

As of 2026-10-26, the ING business account page reviewed showed that the Startup Business Package for businesses registered with the KVK for less than 1 years is free for the first 6 months. The page also listed the Entrepreneur Package at 9.90 euros per month and noted that charges may apply for deposits and withdrawals, accounting software integration, customer due diligence, and more than two statutory representatives/authorized persons. Package terms and prices should be checked against the bank’s page/contract at the time of application. The personal current account fees, case-specific business approval time, minimum deposit, and minimum balance could not be confirmed from the pages reviewed; they should not be inferred or promised.

Limitations and practical considerations

The entity-level DNB record confirms a specific banking register entry for ING Bank N.V., but does not mean that every applicant will be approved or that all its products are available to overseas customers.
The eligibility section for non-EU passports on the personal expat page does not set out all conditions on the public page reviewed. Confirm directly with ING whether non-EU identity documents, place of residence, and applications made before arrival in the Netherlands are eligible.
The published threshold for business account applications is registration with the Netherlands Chamber of Commerce (KVK); foreign companies not registered with the Dutch KVK do not meet the threshold described on that page. Eligibility for other foreign structures has not been confirmed.
Public sources do not provide a standard list of personal proof of address, tax identification documents, company UBO/source-of-funds materials, or authentication requirements for overseas documents; it is advisable to obtain the bank’s requirements in writing.
All account openings are subject to ING identity checks, anti-money laundering and sanctions controls, and case-by-case approval. Screening requirements and requests for additional information cannot be circumvented by making false declarations.
This record summarizes publicly available information only. It does not represent an account-opening channel currently available for appointments through Rengangyongsheng, an agency service, or an established business relationship.

Licensing evidence and regulatory verification

An entity-level record from the competent authority has been found: the specific information page in the DNB public register lists the legal name ING Bank N.V., DNB relation number B0163, Netherlands Chamber of Commerce number 33031431, and category “Gekwalificeerde deelneming, Bank - CI.” Its business entry states that it conducts banking business under the Financial Supervision Act, including taking deposits, lending, and providing payment services. The effective date of the listed activities is 1952-09-18. This is a DNB record for a specific entity, not merely an entry point to a directory; the page does not provide a “license number” to be supplied separately. ING’s information page states that ING Bank is directly supervised by the ECB, while DNB remains responsible for relevant powers not conferred on the ECB.

European Central Bank (ECB, prudential supervision under the Single Supervisory Mechanism); De Nederlandsche Bank (DNB, prudential powers not transferred to the ECB, payment systems and financial crime supervision); Netherlands Authority for the Financial Markets (AFM, conduct supervision) Official registration or record

Information sources

ING — Current bank account / Open an account
Personal current-account application process, application conditions for European passport holders, starting without a BSN and the deadline for submitting it, and the website’s information on residence/tax residency in the Netherlands and municipal registration.
ING — Identification
Personal account: App identity verification steps, NFC phone requirement, address checks on identity documents, accepted passports, Dutch driving licences, Dutch/EU identity cards and Dutch residence documents under the Aliens Act, and the Service Point option if the app cannot be used.
ING — Expats: Welcome to ING
The page boundary does not show the full public statement that expats can apply before arriving in the country, the explanation of submitting the BSN later within 90 days and subsequent restrictions, the App/branch options, or the section on non-EU passport conditions.
ING — Business current account
Businesses must be registered with the Netherlands Chamber of Commerce (KVK); the process is usually online but may sometimes require a branch visit. The bank verifies applicant and business information and may ask additional questions. Public information on business account plan fees is provided.
De Nederlandsche Bank — Public register record: ING Bank N.V.
Specific legal entity name ING Bank N.V., DNB relationship number B0163, KVK number 33031431, institution category, statutory banking business registration and deposit guarantee section.
ING — Legal structure and regulators
ING Bank is directly prudentially supervised by the ECB under the SSM; DNB retains relevant powers not conferred on the ECB and is responsible for payment systems and financial crime supervision; AFM is responsible for conduct supervision.
De Nederlandsche Bank — Supervision of financial crime prevention
Overview of the Dutch Wwft regulatory framework, its risk-based AML/CFT due diligence requirements, DNB’s supervisory role, and rules on financial institutions using sanctions lists to screen business relationships.
Netherlands Chamber of Commerce — Ultimate Beneficial Owner UBO
The concept of a Dutch UBO (an organisation’s owner or ultimate decision-maker) and the purpose of UBO registration in preventing fraud, crime and terrorist financing.
Belastingdienst — Financial data exchange under the CRS
Netherlands CRS financial data exchange, financial institutions’ determination of tax residence and collection of declarations, and exchange of relevant account information with jurisdictions where account holders are not tax residents of the Netherlands.
Belastingdienst — Foreign Account Tax Compliance Act FATCA
The FATCA reporting framework for U.S. tax-resident accounts at Dutch financial institutions, and the Netherlands–U.S. intergovernmental arrangement for the Dutch Tax and Customs Administration to transmit relevant information to the U.S. IRS.
De Nederlandsche Bank — Financial sanctions
Financial institutions must screen customers against sanctions lists and periodically re-screen existing customers, and comply with restrictions and reporting obligations when a sanctions match is found.
De Nederlandsche Bank — Dutch deposit guarantee
General information on Dutch deposit protection: up to 100,000 euros per person per bank, covering personal and business accounts.
S&P Global Market Intelligence — The world's largest banks by assets, 2026
2026 large-bank asset rankings mainly use year-end assets, exchange rates, and merger adjustments for 2025; this is provided only as background to candidate selection and does not support a ranking or licence status for ING Bank N.V. as an individual entity.

Verification

Research verification

Most recently verified: 2026-10-26
Status: Some information remains to be confirmed: DNB's entity-level banking register record for ING Bank N.V. has been found, and ING's original pages on personal account opening, identity verification, expats and business accounts have been reviewed. Official sources support the Dutch Wwft, CRS/FATCA, sanctions and deposit protection baselines. ING's complete eligibility conditions for non-EU passport holders, ongoing account-opening conditions for non-residents, acceptance of overseas businesses/complex control structures, complete application documents and personal account fees still require written confirmation from the bank.
Author: Drew

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