{"id":3089,"date":"2025-10-14T20:06:01","date_gmt":"2025-10-14T18:06:01","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=3089"},"modified":"2026-03-24T10:10:42","modified_gmt":"2026-03-24T09:10:42","slug":"dutch-iban","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/dutch-iban\/","title":{"rendered":"Dutch IBAN"},"content":{"rendered":"\n<p>Within the <em>Single Euro Payments Area<\/em> (SEPA), companies and institutions are not allowed to exclude IBANs from other <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/market-infrastructure\/sepa-network\/\" type=\"btv_wiki\" id=\"3105\"><strong><u>SEPA countries<\/u><\/strong><\/a>. Dutch companies and institutions may therefore not discriminate against IBANs from Malta, Hungary, or Iceland, for example, for their transfers and direct debits. The website of DNB provides more information about <a href=\"https:\/\/www.dnb.nl\/en\/payments\/how-do-payments-work\/sepa-and-iban-discrimination\/\" type=\"link\" id=\"https:\/\/www.dnb.nl\/en\/payments\/how-do-payments-work\/sepa-and-iban-discrimination\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>SEPA and IBAN discrimination<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. It also explains how you can report IBAN discrimination if an organization does not comply with this <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=CELEX:32012R0260\" type=\"link\" id=\"https:\/\/eur-lex.europa.eu\/legal-content\/EN\/TXT\/PDF\/?uri=CELEX:32012R0260\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>SEPA regulation<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-structure-of-dutch-iban\">Structure of Dutch IBAN<\/h2>\n\n\n\n<p>A Dutch IBAN consists of 18 digits and letters:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Always starts with the country code NL.<\/li>\n\n\n\n<li>This is followed by a 2-digit check digit. This allows a bank, company, or institution to <a href=\"https:\/\/en.wikipedia.org\/wiki\/International_Bank_Account_Number#Validating_the_IBAN\" type=\"link\" id=\"https:\/\/en.wikipedia.org\/wiki\/International_Bank_Account_Number#Validating_the_IBAN\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>check for any typing errors<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> in long IBANs in its customer records.<\/li>\n\n\n\n<li>A 4-letter bank code or <em>bank identifier<\/em> indicates which payment service provider (which bank) issued the IBAN.<\/li>\n\n\n\n<li>The last 10 digits of a Dutch IBAN are determined entirely by the payment service provider that issues the IBAN. Two or more payment service providers can use the same 10 digits for an IBAN. The different four-letter bank codes of the payment service providers ensure that each IBAN remains unique.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"534\" height=\"201\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/IBAN-uitleg.jpg\" alt=\"\" class=\"wp-image-3432\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/IBAN-uitleg.jpg 534w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/10\/IBAN-uitleg-300x113.jpg 300w\" sizes=\"auto, (max-width: 534px) 100vw, 534px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-special-features-of-dutch-ibans\">Special features of Dutch IBANs<\/h2>\n\n\n\n<p>Issuing an IBAN for payments is not allowed without further ado. A payment service provider must have certain licenses for this. In addition, there are various laws and regulations that the payment service provider must comply with. The Dutch Payments Association <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/issuing-dutch-ibans\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/issuing-dutch-ibans\/\"><strong><u>publishes information for payment service providers<\/u><\/strong><\/a> who are considering issuing Dutch IBANs.<br>Below are the details for account holders of a Dutch IBAN:<\/p>\n\n\n\n\t<div data-name=\"acf\/accordion\" >\n\t\t<div class=\"space-y-4\">\n\t\t\t\n\t\t\t\n<ul data-component=\"accordion\" class=\"flex flex-col gap-2\">\n\t\t\t<li class=\"\">\n\t\t\t<details open class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t1. Short account number\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>To make a transfer, the payer must agree to the recipient&#8217;s full IBAN. With some banks, the payer only needs to fill in the last few digits of a charity&#8217;s account number. Before making the payment, the bank completes this account number to form the full IBAN. This temporary service was set up when we switched from shorter account numbers of up to 10 digits to IBAN in the Netherlands. We are now used to IBAN. The IBAN of a charity can be stored in the bank&#8217;s address book. In practice, the bank hardly ever needs to use this service anymore.<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t2. Do not reissue account numbers\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>Since our payments accounts have IBANs, payment service providers no longer issue account numbers that previously belonged to someone else. This reduces the risk of errors. What if someone wants to transfer money to an account that has been in their address book for a long time but now belongs to someone else? A successful <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/iban-name-check\/\">IBAN Name Check<\/a> will reveal that the name and IBAN do not match. If a payment order is still given and the payer later wants that money back, a transfer of 1 cent can be made with a request for a refund. A second option is to write to the recipient of the money. If no name and address details are known, the payer can ask their own payment service provider for assistance. Within the Netherlands, this is usually done via the Procedure for Undue Payments. Outside the Netherlands but within SEPA, a slightly different procedure may be required, known as a \u2018<a href=\"https:\/\/www.europeanpaymentscouncil.eu\/what-we-do\/epc-payment-schemes\/sepa-credit-transfer\/sepa-credit-transfer-rulebook-and\" target=\"_blank\" rel=\"noopener\"><i>Request for Refund by the Originator<\/i><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>\u2019.<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t3. Right to an account?\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>The <a href=\"https:\/\/wetten.overheid.nl\/BWBR0020368\/2023-01-01\">Financial Supervision Act <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (<em>Wet op het financieel toezicht in Dutch<\/em>) stipulates when someone is entitled to an account. The same act also stipulates when that right no longer applies. Payment service providers must always comply with the law before they are allowed to issue an account.<\/p>\n<ul>\n<li>If an applicant is on a European or national sanctions list, a payment service provider may not issue an account.<\/li>\n<li>Persons with a Dutch BSN who live outside the European Union do not have a legal right to a Dutch IBAN. It is up to payment service providers to determine whether and under what conditions they offer an account to persons living outside the EU. This also applies to countries outside the EU but within the European Economic Area.<\/li>\n<li>For example, is an applicant listed in the <a href=\"https:\/\/www.rechtspraak.nl\/english\/registers\/central-guardianship-and-administration-register\" target=\"_blank\" rel=\"noopener\">Central Guardianship and Administration Register<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> or the <a href=\"https:\/\/www.basisbankrekening.nl\/ivr-of-evr\">External Referral Register <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch)? If so, the payment service provider may impose additional conditions on the opening of a payments account.<\/li>\n<\/ul>\n<p>Those who are unable to open an account through the normal application process may sometimes have to follow a different application process. Information about this can be found on the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/special-accounts-and-services\/\">page about accounts<\/a>.<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t4. Banking Information Reference Portal\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>The Banking Information Reference Portal is an electronic system for requesting identifying details of an account holder. Financial service providers that issue Dutch IBANs or offer safe deposit boxes are required by the <a href=\"https:\/\/wetten.overheid.nl\/BWBR0020368\/2024-09-06\">Financial Supervision Act <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (<em>Wet op het financieel toezicht in Dutch<\/em>) to connect to the Banking Information Reference Portal. Authorized agencies can request the personal details of the account holder for any Dutch IBAN.<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t5. The Dutch Tax Administration must verify that the IBAN is correctly recorded in its records\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>A payment service provider must submit information about the account holder or account holders for each Dutch payments account to the Dutch Tax Administration. This ensures that the Dutch Tax Administration can verify whether a payments account is in the name of the person entitled to a refund or allowance. This prevents money from being transferred to the wrong or even fraudulent account number. The obligation for the Dutch Tax Administration to only transfer money after it has been established that the IBAN provided actually belongs to the entitled person is laid down in the <a href=\"https:\/\/www.rijksfinancien.nl\/belastingplan-memorie-van-toelichting\/2015\/d16e3677\" target=\"_blank\" rel=\"noopener\">single bank account measure<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch).<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t6. Dutch Tax Administration to switch to a new account number for payments\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>One of the most commonly used account numbers in the Netherlands will be that of the Dutch Tax Administration. <a href=\"https:\/\/english.dsta.nl\/latest\/news\/2024\/12\/13\/a-new-primary-bank-for-the-tax-administration-and-benefits-department-in-2026\" target=\"_blank\" rel=\"noopener\">The national government<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> has announced that the Dutch Tax Administration will have a different house bank from May 1, 2026. This means that there will be a new IBAN. Nothing will change until May 1, 2026. Will you receive a new account number from the Dutch Tax Administration? Make sure that this is the <a href=\"https:\/\/www.belastingdienst.nl\/wps\/wcm\/connect\/en\/individuals\/content\/all-account-numbers-tax-and-customs-administration\">account number of the Dutch Tax Administration <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> and not that of a fraudster. Check the result of the <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/iban-name-check\/\">IBAN Name Check<\/a>. Or wait until the Dutch Tax Administration transfers money to you. Does the same new account number appear on the message from the Dutch Tax Administration? Then you can be sure that you can use this new account number for your payment to the Dutch Tax Administration.<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\tThe 099 series is only for G accounts\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>The last 10 digits of the Dutch IBAN are determined by the payment service provider that issues the IBAN. According to the <a href=\"https:\/\/www.swift.com\/standards\/data-standards\/iban-international-bank-account-number\" target=\"_blank\" rel=\"noopener\">IBAN Registry<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>, the payment service provider must take one exception into account. The series may only start with the digits \u2018099\u2019 if it is a <a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/special-accounts-and-services\/g-account\/\">G account<\/a> of a hirer or contractor.<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-history-of-dutch-account-numbers\">History of Dutch account numbers<\/h2>\n\n\n\n<p>An account number originally started as a short number consisting of just a few digits. In longer account numbers, a certain part was linked to a specific bank branch. There was no nation wide standard for account numbers, which made payments between banks difficult.<\/p>\n\n\n\n<p>In 1918, the PTT introduced the Postgiro, which made it relatively easy for citizens and businesses to transfer money to each other within the Postgiro system. Postgiro accounts had an account number of variable length, without a check digit. In the 1960s, the Bankgirocentrale was introduced for all other Dutch banks, along with a standardized 9-digit account number with a check digit.<\/p>\n\n\n\n<p>The supply of account numbers was limited and, unlike the Postgiro, was kept centrally for banks. If an account number had not been active for a number of years, a bank could reissue this account number to a new account holder.<\/p>\n\n\n\n<p>With the introduction of SEPA in 2014, an IBAN became mandatory for all payments accounts within SEPA. The stock of available account numbers is now so large (billions of account numbers per bank) that it is no longer necessary to reissue old account numbers.<br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>An IBAN is a unique standardized account number for a payments account in Europe. An IBAN uniquely identifies each payments account. An IBAN can be up to 34 characters long. Belgium has the shortest IBANs in the EU with 16 characters; Malta has the longest IBANs with 31 characters. France and Italy have IBANs with 27 characters.<\/p>\n","protected":false},"featured_media":498,"parent":16,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[14],"class_list":["post-3089","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-iban-and-bic"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Dutch IBAN - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Dutch IBAN structure explained, SEPA rules against IBAN discrimination and key features of NL account numbers.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/dutch-iban\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dutch IBAN\" \/>\n<meta property=\"og:description\" content=\"Dutch IBAN structure explained, SEPA rules against IBAN discrimination and key features of NL account numbers.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/dutch-iban\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-24T09:10:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/08\/Mensen-op-straat-in-Amsterdam-v2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1084\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/dutch-iban\/\",\"url\":\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/iban-and-bic\/dutch-iban\/\",\"name\":\"Dutch IBAN - 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