Using personal data with or without your consent

In most cases, we use your personal data without obtaining your consent for this. This is permitted by law.


We do this because:

  • this is necessary because of the contract we have with you or that we intend to conclude with you
  • the law requires us to obtain, use or hold your personal data;
  • the bank or a third party has a legitimate interest in this.  

Sometimes, however, we are required to ask you for your consent. Before you give consent, we recommend that you carefully read the information we provide concerning the use of your personal data. If you have given consent and you want to withdraw this consent, you can do that very simply.

In which situations do we ask you for your consent? We will in any event ask you to give consent in the following situations:

  1. Before we process special categories of your personal data. We do not use special categories of personal data without your consent unless the law states we are required or permitted to do this.
  2. A third party requests access to your payment details so that you can make use of external applications such as a financial journal. 
  3. We make use of cookies and similar technology on our websites and/or in apps in order to make you personalised offers. For more details, see our Cookie Statement
  4. In some apps, we require access to information about your location.
  5. When we make use of automated decision-making and profiling and the law states that we require your consent for this. 

Important information:
In certain situations we do not ask for your consent. This is the case if we require your personal data to comply with the law, if a legitimate interest exists, or if this is necessary in the context of the contract that we conclude with you. In such cases, however, you may submit an objection.