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Switching to the IBAN

Hoe zien een IBAN er uit

Everyone's account number is about to get longer

From 1 August 2014, everyone in the Netherlands will be using a longer account number, 
namely the IBAN (International Bank Account Number). In the Netherlands, your IBAN consists of your current account number, preceded by the country code NL, 2 check digits, the 4-letter bank code and one or more zeros.


The IBAN is not new. Everyone already has an IBAN, and it's likely that you will have used it to make a payment to a foreign bank account. From 1 August 2014, your IBAN will replace your old 9-digit account number for transfers and payments made to Dutch bank accounts.


Why do we have to use IBAN from now on?

IBAN is the result of European legislation. Consumers and companies are legally required to use the IBAN for all of their payments from 1 August 2014. The goal of this legislation is to ensure that all payments in the SEPA-gebied (Single Euro Payment Area) are executed in the same way. Money is transferred between the countries in the same way and therefore more efficiently. You know where you stand.

The SEPA area is shown on the map in green.


What will change for you?

The most significant change is that you must use the IBAN for every payment. As a result, some products and services have also changed.


The IBAN is only used for payments. In other cases, you will continue to use your 9-digit account number. For example:

  • When you log in to Internet Banking

  • In the selection menu when you call the Advice and Service Centre 0900 - 00 24

  • The policy number for insurances you have with ABN AMRO   

Frequently asked questions about IBAN

  • What is IBAN?

    IBAN stands for International Bank Account Number. From February 2014, the IBAN will replace the old 9-digit account number you have been using to date. In the Netherlands, the IBAN is structured as follows:

    • The country code NL

    • 2 check digits

    • 4 letters that identify the bank

    • 10 digits, which consist of the current account number supplemented with zeros.


  • How do I find the IBAN?

    You can find your IBAN:

    • In Internet Banking under 'payments, 'overviews', 'my iban and bic'

    • On your debit card if it was issued after September 2012.

    • At the top of your account statements

    • On the new transfer forms (since February 2013)

  • When do I have to start using the IBAN for payments and transfers?

    Since 1 February 2014, it is required by law to use the IBAN for all payments and transfers made in euro in the SEPA area. On 1 August 2014, we will stop converting your old account numbers to IBAN for you. From 1 August 2014, you will no longer be able to use the old account numbers for payments and transfers to Dutch bank accounts.

  • I'm an entrepreneur. What does the transition to IBAN mean for me?

    Use the tool at (Dutch only) to find out what the transition means for you. It takes no more than 10 minutes to go through, and once you're done, you will immediately receive an email with all of the changes that are important for you. Each change is accompanied by a description of the things you have to do to prepare your company for the transition to IBAN.

  • What does BIC (SWIFT) stand for?

    BIC stands for Bank Identifier Code. BIC is the code that enables a bank to be identified. Each bank has its own code. ABN AMRO's BIC is ABNANL2A. If someone wants to transfer money to you, give them this BIC. In the past, BIC was called SWIFT.

  • How do direct debits work with the IBAN?

    The transition to IBAN also means that direct debits will work the same way for all companies in the SEPA area. The current direct debit method will be phased out by February 2014.
    For you, the new direct debit method means that:

    • You can authorize companies across the SEPA area to directly debit your account.

    • You must provide your IBAN for new direct debits.

    • You will be notified a few days ahead of time of who will be debiting your account for which amount. This information can be found in the list of direct debits in Internet Banking. This enables you to ensure that you have enough money in your account. You can also reject a direct debit you do not agree with.

    • You will no longer see rejected direct debits in your list of debits and credits. A direct debit is immediately rejected if you do not have enough money in your account. Until now, the amount was debited and then credited a few days later if there was not enough money in your account. Rejected direct debits are only displayed in your list of direct debits.

    The direct debit conditions are the same for all SEPA countries.

    Companies are obliged to announce when they are going to debit which amount at which interval. This information is also displayed in your list of direct debits a few days before an amount is debited.
    If an amount has been debited to your account that you do not agree with, you have 56 calendar days to reverse the transaction.

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