In that case, please call the Helpdesk Annual Financial Summary. (within the Netherlands only). This number is exclusively for 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:
Using the ABN AMRO app:
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.
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.
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'.
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
Between March 1st and May 1st 2024.
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.
ABN AMRO is required by law to pass the following information on to the Dutch tax authorities:
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:
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.
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:
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:
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:
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.
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.
