Frequently asked questions about the Annual Statement

General questions

That depends. Only the Financial Statements for the accounts for which you are authorised are shown.
  • If you are authorised for accounts that are in someone else’s name, such as your partner or parents, you will also be able to view their Financial Statement.
  • If your ABN AMRO mortgage is in your partner’s name, the mortgage details will not be shown on your Annual Statement on Internet Banking.
  • Download your Annual Statement first and save it to your computer. 
  • Next, open the file and print it.
  • If there are black spots on your print-out, open the file in Adobe Acrobat Reader and print it from there.
  • Download your Annual Statement first and save it to your computer. 
  • If that doesn’t solve the problem, open the file in Adobe Acrobat Reader.
  • If there are any differences between your accounts’ name and address details, the account with different details will not have been registered to you in our systems. Please visit one of our branches to have your personal details changed.
  • If you closed an account in 2019, it will no longer be shown.
This is probably because you received or paid interest on this account in 2019. You will need these interest amounts for your tax return.

Questions about filing tax returns

Between 1 March and 1 May 2020.
  • From 1 March 2020, the Dutch tax authorities will have filled in most of your electronic tax return. All you need to do is check everything and make any changes as required.
  • Your tax return must be filed with the Dutch tax authorities before 1 May 2020.
For more information, please visit the website of the Dutch tax authorities (in Dutch).
This is something that ABN AMRO unfortunately cannot assess. Your tax return is compiled by the Dutch tax authorities and it is their responsibility to make sure that your tax return includes the correct details.
  • Check the website of the Dutch tax authorities (in Dutch) for more information.
  • Alternatively, you can call the Dutch tax authorities’ freephone number: 0800 - 05 43
ABN AMRO is required by law to pass the following information on to the Dutch tax authorities:
  • Your endowment and life insurance policies
  • The balance in your accounts
  • How many securities you held
  • How much you have received in interest and dividend
  • Amounts deposited into your ABN AMRO pension top-up product
  • Mortgages, other banking products and loans

Questions about mortgages

If your mortgage details are not shown on your Annual Statement, they are probably shown on the Annual Statement for one of your other accounts or a joint account. Follow the download instructions below:
  • Go to this page to log in
  • Under ‘Select the contracting party’, select who you are downloading the statement for.
  • Under ‘Statements and summaries’, select ‘Annual Statement’.
  • Select the year.
  • Click ‘OK’.
  • Click the PDF icon and save the file to your computer.
  • Open the PDF and print it, if necessary.
If your new mortgage took effect in December 2019, you will start paying interest on it in January 2020. For your 2019 tax return, the mortgage interest tax deduction for this new mortgage will therefore be €0.00. This figure will not be shown on your Annual Statement.
  • Interest payments are calculated in arrears. For the months of January to November inclusive, the mortgage interest payable is debited on the first working day of the following month.
  • The last interest payment (for the month of December) is debited on the last working day of the year. Your Annual Statement will therefore show 12 mortgage interest payments. This is information you need for the mortgage interest tax deduction on your tax return.

Questions about borrowing money

The Annual Statement will show the amount borrowed, the remaining debt and the interest paid over the past financial year.
For reasons of security, only the last four digits of your credit card number are shown on the Annual Statement.

Questions about payments and savings

If your credit card details are not included on your Annual Statement, they are probably shown on the Annual Statement for one of your other accounts or a joint account. Follow the download instructions below:
  • Go to this page to log in
  • Under ‘Select the contracting party’, select who you are downloading the statement for.
  • Under ‘Statements and summaries’, select ‘Annual Statement’.
  • Select the year.
  • Click ‘OK’.
  • Click the PDF icon and save the file to your computer.
  • Open the PDF and print it, if necessary.
The (account) balance shown on the Annual Statement does not include the interest, because the interest earned on your savings or current accounts is credited several working days later. 
The balance in your foreign currency account(s) is shown in the original currency. It is up to you to convert the amount to euros. When filing your tax return, use the exchange rate specified by the Dutch tax authorities (in Dutch).

Questions about investments and assets for tax purposes

Because ABN AMRO is required by law to pass these details on to the Dutch tax authorities. In 2016, there was a change to the legislation:
If you are liable to pay tax outside the Netherlands and you have earned money from the sale of investments, these proceeds are shown. The Dutch tax authorities will ultimately forward these details to the tax authorities in the country where you are liable to pay taxes. ABN AMRO only shows details on the Annual Statement that are relevant for tax purposes.
  • Mortgage repayments from your assets (Hypotheekaflossing uit Vermogen, or HUV) are shown under ‘Betalen en Sparen’ (Payments and savings) 
  • Deferred mortgage repayments (Uitgestelde Hypotheekaflossing, or UHA) are shown under ‘Fiscale Vermogensoplossingen’ (Asset management and tax solutions)

Questions about coupon and dividend (CDO)

A statement showing all the coupons (interest paid to a bondholder) and dividends (payouts on shares) you have received over the past year. This statement covers a calendar year.
We include a Coupon and Dividend Statement with your Annual Statement if you have received income from investments over the past year. You can use this information when filling in your tax return. The Dutch tax authorities may ask specifically for details of dividends from which tax was withheld, and they will want to know what country your investment income came from.
The Coupon and Dividend Statement shows coupons and dividends separately. The coupons and dividends are also both split up into Dutch and foreign ones. 
  • The order is as follows: first the Dutch coupons and dividends, and then the foreign coupons and dividends by country name based on the country code.
  • If you have multiple coupons or dividends from a specific country, they will be listed by payment date. 
  • All coupons from a country are subsequently added up and only the sum of all taxed dividends from each country is shown.
Yes, all amounts are in euros. The ‘Valuta beleggingen’ (Investment currency) column shows the currency in which the bond or share is actually listed.
This is because you have bought and/or sold bonds during the year covered by the Annual Statement. The price at which you bought and/or sold those bonds already includes the interest. But at the same time, you have not received any income from shares or bonds in the year of the Annual Statement.
The Coupon and Dividend Statement is compiled and calculated for each investment account into which income from shares or bonds was paid. A Coupon and Dividend Statement is not compiled for investment accounts into which no income was paid.
No, only cash payments are shown on the Coupon and Dividend Statement. A conversion does not involve any income.
This is indeed possible for certain countries. ABN AMRO can offer this service for Belgium, Denmark, Germany, Finland, France, Ireland, Switzerland, Sweden, Spain, Norway and Austria. Please get in touch with your adviser or call the Investment Line on 0900 - 92 15 (usual call charges apply).
A coupon is the interest paid on the nominal amount paid for a bond. A dividend is a payout as part of the distribution of a company’s profits to its shareholders.
The Dutch tax authorities may ask for details of income earned and taxes paid in each country. This statement may therefore be helpful when doing your taxes.
The Dutch tax authorities will ask only for details of taxed dividends per country. This is why we have added these up separately for you.
No, only cash payments are shown on the Coupon and Dividend Statement. Stock dividends will not be shown on the Coupon and Dividend Statement. Any stock dividends will already be included in your shareholding, the value of which is shown under ‘Beleggingen’ (Investments) on your Annual Statement.
This may be due to the structure of the fund and local tax legislation.
Some companies pay cash dividends and have a scheme that lets their shareholders immediately reinvest this cash in the company. This is what we call a Dividend Reinvestment Plan (DRIP). The shareholder is first paid the dividend in cash, which is then used to purchase more shares. Cash dividends are considered a form of income and therefore shown on the Coupon and Dividend Statement, while stock dividends are not. Needless to say, stock dividends are incorporated into the position (securities deposit value).
The fees section shows the fees the bank charged you when you received coupons or dividends.
This is because of corrections that have been made, such as when a dividend payment was duplicated or the original amount paid out was incorrect. When that happens, we correct it for you, and these corrections are shown on the Coupon and Dividend Statement.