Does the bank have to make a copy of your ID?

Questioner

Can the bank require me to scan/copy my identification?

Questioner

Yes, that authority stems from the Identification for Services Act. Banks are required to verify the identity of their customers. The law doesn't state that the bank can make a copy of your ID, but according to the Dutch Data Protection Authority, it's not a violation of the law if the bank makes a copy of your ID. For more information, see http://www.cbpweb.nl/Pages/uit_z2006-01407.aspx.

Questioner

Thank you very much for your response. Here's the story to illustrate. For decades, we have been customers with two and/or current accounts at ING (formerly a Postbank customer). These accounts were originally opened using identification. ING sent a letter to one account holder, addressed to that account holder. The first paragraph states: "The law is imposing increasingly strict requirements on financial services. Like other banks, we may only do business with customers whose identity we have verified. Unfortunately, ING did not verify your identity correctly. We apologize for this." The rest of the letter states: I must present valid identification so a copy can be made. Failure to do so will result in the accounts being blocked. ING has since done so. Unfortunately, the debit cards of the co-account holder, who did identify themselves, have also been blocked. I contacted ING customer service and indicated in the letter that I was willing to identify myself, but that I did not want a scan/copy of my valid identification to be recorded. I also asked customer service if they had a form to register my identity this way, but this yielded no results. I've since filed a written protest with ING. I've also called the Dutch government. They referred me to the Netherlands Authority for the Financial Markets (AFM). I've also contacted the AFM by phone. Here is a copy of the letter I sent to ING. The copy was sent to the Netherlands Authority for the Financial Markets (AFM) at the request of the Netherlands Authority for the Financial Markets (AFM). ……………….. Following your letter requesting that I re-register my identity because "unfortunately, ING had not properly registered my identity," I called your customer service. Unfortunately, I received very poor, unfriendly, and unskilled service. One person on the and/or current account, XXXXXXX, had a copy/scan made at an ING service point. Despite this, BOTH cards from both account holders have been blocked. I don't need to identify myself again because these are checking accounts opened between 1975 and 1980. You are not legally obligated to record my identification again. I'd like to re-identify myself, but I don't want a scan or copy of my ID made. You're not legally obligated to do so! I would like to receive a form from you on which an employee at an ING service point can fill in my ID registration number. Awaiting your response, ……………………….. Aside: ING itself states in the first paragraph of its letter that it "handles registration sloppily." Therefore, I don't trust ING and refuse to have them scan/copy my ID, including my Citizen Service Number (BSN). Unfortunately, I can't switch to another bank because ING has blocked the account. I also read the following at Vara/kassa: Banks and financial service providers are not obliged to make a copy or scan of your ID. Source: http://www.rijksoverheid.nl/onderwerpen/integriteit-financiele-markten/vraag-en-antwoord/moet-een-bank-een-kopie-van-mijn-paspoort-maken-en-bewaren.html Regarding BSN: Only for customers for whom the AWR applies, the BSN must be recorded. As of 2012, the following legal obligations apply: 1. For customers who purchase taxable services, the customer is covered by the AWR (General Tax Act), and new customers must provide the bank with at least a black-and-white paper copy of a valid identification document. 2. For customers who purchase non-taxable services, the customer is covered by the WWFt and identification by showing a valid ID and submitting a form with sufficient information is sufficient, namely: -name, address, city, and date of birth of the customer, -date of identification and signature of bank employee confirming the identification. -type of identity document, issue number and place of issue of the identity document shown. - signature of customer so NO Citizen Service Number and NO image of the face. Source: http://www.id-nee.nl/dossiers/her-identificatie-actie-banken/24-id-plicht-banken-2012.html Definition of customers who receive non-taxable services: Quote Fiscal Criminal and Criminal Procedure Law, edition 025, edition 3, Page 17, It is perhaps easier to remember, a contrario, that 'private individuals' are exempt from the administrative obligation insofar as they do not employ domestic staff for whom a withholding obligation applies, so generally private individuals who only have income from wages or assets.

Questioner

The bank is NOT OBLIGED to make a copy, but it IS ALLOWED to do so. According to the Dutch Data Protection Authority (DPA), this is not illegal.

Questioner

thank you for your response/time. ING Customer Service informs me that I must identify myself at an ING bank and not at an ING Service Point; the ING letter literally states: You can visit any ING office and any ING Service Point in the Netherlands..............

Questioner

Here I would like to report to you the progress: Recently, the "negligent" account holder went to the ING bank in X. Since the "negligent" account holder did not want a copy/scan including the BSN number to be stored in any way, the recording was done as described by a panel member of VARA/kassa. Some of the personal data had already been printed on an A4 sheet by the "negligent" account holder. All relevant personal data, except for the Citizen Service Number (BSN) and a copy of the driver's license, were sent by fax. The copies mentioned in the previous message, "Rijksoverheid Integriteit Financiële Markten" (Dutch Government Integrity Financial Markets and VARA/Kassa), were also sent by fax. This was real bank employee service. It felt "old-fashioned" good! Happy ending: a few hours later the blocking of the and/or account turned out to have been lifted.