Frequently asked questions about the Annual Financial Summary

You can download your Annual Financial Summary via Internet Banking or the ABN AMRO app.

Downloading via Internet Banking:

1. Log in to Internet Banking
2. Select the account holder
3. Tick one or more Financial Annual Summaries in the list
4. Click 'Download'
5. Save and open the PDF

Using the ABN AMRO app:

1. Log in to the ABN AMRO app
2. Tap 'Profile'
3. Tap 'Statements and annual summary'
4. Select the account holder and choose 'Financial Annual Summary' under type of summary
5. Tick one or more Financial Annual Summaries in the list
6. Click 'Download'
7. Save the file to your phone or tablet

If you have any questions or need further assistance, please feel free to contact our advisers.

You can expect the digital Annual Financial Summary by 1 February 2025. Are you expecting a paper version? It will arrive by 15 February 2025.

That depends. Only the Annual Financial Summaries 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 Annual Financial Summary.
• If your ABN AMRO mortgage is in your partner’s name, the mortgage details will not be shown on your Annual Financial Summary on Internet Banking.
• You can download all your Annual Financial Summaries from the year 2010 onwards.

• Download your Annual Financial Summary 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.

It is possible that there are several Annual Financial Summaries available for you in Internet Banking. For example, you can get an Annual Financial Summary for your personal accounts and an Annual Summary for your joint accounts.

1. Depending on your personal situation, your mortgage details can be found on the overview of your personal or joint account.
2. Credit card details are always included in the annual summary of a personal account.
3. The insurance data is missing from the Annual Financial Summary. In the past, your insurance policies were taken out with ABN AMRO, but are now covered by an external insurer (e.g. AXA, ASR or Reaal). ABN AMRO has transferred its life insurance activities to Nationale Nederlanden. You will receive a separate summary  from the insurer. 

• Download your Annual Financial Summary first and save it to your computer. 
• If that doesn’t solve the problem, open the file in Adobe Acrobat Reader.

Transactions made on Saturday 30 December 2023, Sunday 31 December 2023 and Monday 1 January 2024 are shown on the account statement dated Tuesday 2 January 2024, with the correct value date.

The Annual Financial Summary shows the balances and interest amounts up to and including Sunday December 31, 2023. Therefore, only use the Annual Financial Summary and not account statements for your tax return.

You can download your bank statements from 2004 onwards through Internet Banking or the ABN AMRO app. If you don't have Internet Banking or you can't find your statement, please call our Customer Service department (within the Netherlands only).

It is possible that there are several Annual Financial Summaries available for you. Go to 'Financial Summary' on the ‘Download overviews’ page. There you will find all accounts that are known to us under 'Show all accounts'.

• It is possible that it is not registered correctly in our system that this account belongs to you. Please contact us in order to have your account data changed.
• If you closed an account in 2023, it will no longer be shown.

This is probably because you received or paid interest on this account in 2023. You will need these interest amounts for your tax return.

If you have the financial statements prepared by your external auditor, you need a standard bank confirmation. Click here to request one.

Are you unable to see your Annual Financial Summary in Internet Banking, despite receiving a  around the 15th of February 2024 informing you that it is available? Please select the account holder and the document type first.

Between March 1st and May 1st 2024.

• From March 1st 2024, 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 May 1st 2024.

For more information, please visit the website of the Dutch tax authorities (in Dutch).

Well prepared to do your tax return

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

Well prepared to do your tax return

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

If your mortgage details are not shown on your Annual Summary, they are probably shown on the Annual Summary for one of your other accounts or a joint account. Follow the download instructions below:

1. Log in to Internet Banking
2. Select the account holder
3. Click 'Financial Summary' under the question 'What would you like to download?'
4. Select one or more Financial Summaries in the list at and click 'Download'
5. Save the PDF file to your computer and open it

If your new mortgage took effect in December 2023, you will start paying interest on it in January 2024. For your 2023 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 Financial Summary.

• 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 Financial Summary will therefore show 12 mortgage interest payments. This is information you need for the mortgage interest tax deduction on your tax return.

The Annual Financial Summary 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 Financial Summary.

If your credit card details are not included on your Annual Financial Summary, they are probably shown on the Annual Financial Summary for one of your other accounts or a joint account. Follow the download instructions below:

1. Log in to Internet Banking
2. Select the account holder
3. Click 'Financial Summary' under the question 'What would you like to download?'
4. Place a checkmark in front of the Financial Summary you want to download
5. Click 'Download'
6. Save the PDF file to your computer and open it

The (account) balance shown on the Annual Financial Summary 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).

Yes, for all bank savings products that fall under Fiscal Savings, the DGS applies to the savings part with regard to the gross amount. These are the following products:

• Leefrente
• Pensioenaanvulling (Pension supplement)                                         
• Pensioenaanvulling 2008-2013 (Pension supplement 2008-2013)                      
• Gouden Handdruk Opbouw (Golden Handshake Build-up)                     
• Gouden Handdruk Leefrekening  (Golden Handshake Living Account)                     
• The Deferred Mortgage Repayment (Uitgestelde Hypotheekaflossing: UHA) and the Mortgage Repayment from Capital (Hypotheekaflossing uit Vermogen: HUV) are subject to the Deposit Guarantee Scheme as far as the savings component is concerned.

This concerns the dividend received on your investments in a Fiscal Savings product, the dividend paid into the savings account of this product or reinvested in the fund from which the dividend was paid. 

You do not have to declare the dividend received to the tax authorities. The dividend is part of the return on your Fiscal Savings product. The balance and return are exempt from tax for the duration of the product.

It may be the case that the year-end price of some investment funds was not known on time. In such cases, we will use the last known price in your Annual Financial Summary. A number of fund managers need some time in January to determine their year-end prices. As a result, in exceptional cases the price may not be known until after your Annual Financial Summary has been prepared. 

More information about year-end prices can be found on the websites of the relevant fund houses.

Because ABN AMRO is required by law to pass these details on to the Dutch tax authorities. This is based on the:

• Common Reporting Standard (CRS), this is international legislation
• Foreign Account Tax Compliance Act (FATCA), this is US 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 Financial Summary that are relevant for tax purposes.

Check the website of the Dutch tax authorities for the tax rules for socially responsible investments (in Dutch).

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 Financial Summary 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 Financial Summary. 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 Financial Summary.

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.

No, this is not reported as 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 (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 Financial Summary.

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.