Uitgelogd

U bent succesvol uitgelogd.

Frequently asked questions about the Annual Summary

Is your question not included in the FAQ's?

In that case, please call the Helpdesk Financial Summary. (within the Netherlands only). This number is exclusively for questions about the Annual Financial Summary.

General questions

Is your Annual Financial Summary not visible in Internet Banking?
Are you unable to see your Annual Financial Summary in Internet Banking, despite receiving a  around the 15th of February 2023 informing you that it is available? Please select the account holder and the document type first.
 
If you need your Annual Financial Summary but did not receive a Bankmail around the 15th of February 2023 informing your Financial Summary is available, please call the Helpdesk Financial Statement (within the Netherlands only).
Which Annual Summaries can I download?
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 Summary.
  • If your ABN AMRO mortgage is in your partner’s name, the mortgage details will not be shown on your Annual Summary on Internet Banking.
  • You can download all your Annual Financial Summaries from the year 2004 onwards.
How do I print the Annual Summary?
  • Download your Annual 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.
I get a black screen when I want to open my Annual Summary. What should I do?
  • Download your Annual Summary first and save it to your computer. 
  • If that doesn’t solve the problem, open the file in Adobe Acrobat Reader.
An account is missing from my overview. Why is this?
  • 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 2022, it will no longer be shown.
How come my expired account is still shown on my Annual Summary?
This is probably because you received or paid interest on this account in 2022. You will need these interest amounts for your tax return.
How do I download my bank statements?
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).
Business clients with a BV or NV
If you have the financial statements prepared by your external auditor, you need a standard bank confirmation. Click here to request one.

Questions about filing tax returns

When is the best time to file my tax return?
Between March 1st and May 1st 2023.
  • From March 1st 2023, 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 2023.
For more information, please visit the website of the Dutch tax authorities  (in Dutch).
Why does my Annual Summary differ from my 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

Why does ABN AMRO forward my financial details to the Dutch tax authorities?
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

Why does my Annual Summary not show any details of my mortgage?
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:
  • 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 Summary’.
  • Select the year.
  • Click ‘OK’.
  • Click the PDF icon and save the file to your computer.
  • Open the PDF and print it, if necessary.
I took out a new mortgage/loan part in December 2022. Where is this shown?
If your new mortgage took effect in December 2022, you will start paying interest on it in January 2023. For your 2022 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 Summary.
Why was the last interest payment for my current mortgage debited early on 31 December 2022?
  • 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 Summary 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

Which details of my OndernemersLening, MedischPraktijkLening, or Professional Lening loans are included on the Annual Summary?
The Annual Summary will show the amount borrowed, the remaining debt and the interest paid over the past financial year.
Why is only part of my credit card number shown on the Annual Summary?
For reasons of security, only the last four digits of your credit card number are shown on the Annual Summary.

Questions about payments and savings

Where can I find my negative interest paid over 2022?

If you paid negative interest over the past year, this may not be fully reflected in your Annual Financial Summary. For an overview of the negative interest you have paid, refer to your interest invoice.

Why does my Annual Summary not show any details of my credit card?
If your credit card details are not included 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:
  • 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 Summary’.
  • Select the year.
  • Click ‘OK’.
  • Click the PDF icon and save the file to your computer.
  • Open the PDF and print it, if necessary.
Why does the outcome of my own calculations not match up with the balance shown on the Annual Summary?
The (account) balance shown on the Annual Summary does not include the interest, because the interest earned on your savings or current accounts is credited several working days later. 
What is the exchange rate used for my Vreemde Valuta Rekening (Foreign Currency Account)?
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

Why does the value of my investments in my Annual Financial Summary differ from the actual value on 31 December?

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.

Why are the proceeds from the sale of my investments shown?
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 Summary that are relevant for tax purposes.
Where can I find information about the wealth creation as part of my Kapitaalgroei Hypotheek?
  • 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)
What are the exemptions I get on account of my socially responsible investments?
Check the website of the Dutch tax authorities for the tax rules for socially responsible investments  (in Dutch).

Questions about coupon and dividend (CDO)

What is a Coupon and Dividend Statement (Coupon en Dividenden Overzicht, or 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.
Why do I receive a Coupon and Dividend Statement?
We include a Coupon and Dividend Statement with your Annual 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.
What details does the Coupon and Dividend Statement show and in what order?
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.
Are all amounts shown on the Coupon and Dividend Statement in euros?
Yes, all amounts are in euros. The ‘Valuta beleggingen’ (Investment currency) column shows the currency in which the bond or share is actually listed.
Why have I not received a Coupon and Dividend Statement while my Annual Summary does show amounts for interest acquired and sold?
This is because you have bought and/or sold bonds during the year covered by the Annual 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 Summary.
Why do I receive a Coupon and Dividend Statement for one investment account only, while there are two investment accounts shown on my 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.
Will the conversion of a convertible bond into shares show up on the Coupon and Dividend Statement?
No, only cash payments are shown on the Coupon and Dividend Statement. A conversion does not involve any income.
Does STRIPS consider price gains a form of dividend, and are they shown on the Coupon and Dividend Statement?
No, this is not reported as income.
How do I claim back overpaid tax levied at source in other countries?
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).
What is the difference between coupon and dividend?
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.
Why are coupons and dividends itemised by country?
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.
Why are only the taxed dividends per country added up?
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.
Does the Coupon and Dividend Statement show stock dividends as well?
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 Summary.
Why has no dividend tax been deducted for certain funds?
This may be due to the structure of the fund and local tax legislation.
How come dividends are shown as cash income on the statement while I actually received new shares?
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).
What is listed under fees?
The fees section shows the fees the bank charged you when you received coupons or dividends.
Why are there negative dividends on my Coupon and Dividend Statement?
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.

Also of interest