We continuously monitor our customers and how their accounts are used. That means we keep an eye on transactions and stay alert to anything unusual, such as payments to or from certain countries, transactions linked to sanctions, or situations with a higher risk of financial crime.
Sometimes our checks raise questions. If that happens, our KYC Centre will contact you. We might ask why you made a payment or where money you received comes from. There’s no need to worry, it doesn’t mean we don’t trust you or that you’ve done anything wrong.
By monitoring and understanding what’s happening on your account, we can help prevent fraud, money laundering and other harmful activity. That’s how we keep your money, our bank and society safe together.
"},"title":"Transaction monitoring and periodic checks"},{"richBody":{"value":"No, we’re no longer supported by Transaction Monitoring Netherlands (TMNL) in our efforts to fight financial crime.
"},"title":"Does ING work with TMNL (Transaction Monitoring Netherlands)?"},{"richBody":{"value":"When you’re an ING customer, things don’t stand still. You might move house, your organisation may appoint a new representative, or a foundation you support could have a new board. These are all changes we need to know about. So do let us know if anything changes in your personal situation. If we’re missing information, we’ll get in touch. That way, we can keep everything up to date together.
How to update your details
In your letter or message, we’ll explain exactly which documents we need. This could include details about:
Your identity
How you use your account
We only ask for what we need, nothing more.
"},"title":"Which documents do you need for the customer due diligence check?"},{"richBody":{"value":"We want to make things as easy as possible for you. But without the right information, we’re not allowed to offer certain services.
If we’ve asked a few times and still haven’t received your details, we may need to take action. For example, we might limit certain features, or temporarily block your debit card or account. In some cases, we may have to close your account but we’ll always let you know in advance.
We’ll only close an account if the law requires us to.
"},"title":"What happens if I don’t respond to the KYC check?"},{"richBody":{"value":"You trust us with your banking. So you can expect us to handle your money and your details with care.
If you want to become a customer, we’ll ask for your personal details and a few questions, for example about where your income comes from.
If you’re already with us, we’ll check in from time to time to keep your details up to date. Things change, and that’s completely normal. You might have a new job, moved house or seen your income change.
We also keep an eye on how your account is used. That’s why we may ask questions about your transactions now and then. Getting to know you and your financial activity is what we call KYC ‘Know Your Customer’.
We’re required to keep this information up to date. So every now and then, we’ll ask you to check your details again. That way, your information stays complete and up to date.
"},"title":"Why are we asking you questions again as part of a customer due diligence check?"},{"richBody":{"value":"You’ll find the questions in your message inbox in the ING app or in your messages in My ING.
"},"title":"Where can I find the KYC question list?"},{"richBody":{"value":"That’s because we’re still missing some of the information we need.
To keep your details accurate and up to date, we need your help. If you’re becoming a customer, we’ll ask you a few questions. If you’re already with us, we’ll ask you to share any changes in your personal or financial situation.
We also keep an eye on what’s happening on your account. Sometimes that raises questions about a transaction or how you use your account, and we’ll ask you for a quick explanation.
We understand it takes time and effort to respond. Still, it’s important to reply on time. Keeping your information up to date really matters.
"},"title":"Why do I keep getting reminders about my KYC check?"},{"richBody":{"value":"We monitor transactions to spot unusual activity as early as possible.
That means we may ask questions if something stands out, for example, if a payment is different from your usual pattern, if large amounts of cash are paid in, or if there are transactions involving higher-risk countries. We’ll always explain why we’re getting in touch.
We continuously keep an eye on our customers and how accounts are used. That way, we help keep your money, our bank and society safe.
As part of this, we stay alert to unusual transactions, such as payments to or from countries we don’t work with, or transactions linked to international sanctions or a higher risk of financial crime.
If something raises questions, our KYC Centre will contact you. We might ask why you made a payment or where money you received comes from. There’s no need to worry, it doesn’t mean we don’t trust you or that you’ve done anything wrong.
By monitoring and understanding what’s happening on your account, we can help prevent fraud, money laundering and other harmful activity.
"},"title":"Why hasn’t my transaction been carried out?"},{"richBody":{"value":"We sometimes need a bit more background information. That’s why we’ll ask you a few questions here.
We want to help you bank safely. So we make sure we know who our customers are. We call this customer due diligence, or Know Your Customer (KYC). All banks in the Netherlands are required to do this. Together, we can help prevent fraud, money laundering and other types of financial crime.
We understand that some questions may feel personal. Still, they’re important to keep your banking safe, for you and for society.
"},"title":"What’s the purpose of this KYC questionnaire if you can already see everything?"},{"richBody":{"value":"Are you in doubt? We’ll never ask you to log in via email or text message. If you need to take action, you’ll always see it in the ING app or in My ING. If you’re unsure, you can always give us a call, every message includes a phone number.
We may ask you for information in different ways, such as by letter, email, phone or through a digital questionnaire in the ING app or My ING. Sometimes you’ll get a text or email letting you know there’s a new message waiting for you in your secure ‘Messages’ inbox. Any links there are safe, as you’re already logged in.
You might see different terms when we ask for information. Most often, we use ‘Know Your Customer’ or ‘KYC’. You may also see ‘customer due diligence’ (CDD) or similar terms. These requests can be about things like specific transactions.
"},"title":"How can I tell if the KYC questions really come from ING?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Do you have any questions?"},"textLinks":[{"text":"Alle KYC informatie","url":"/en/business/customer-service/kyc"}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"Know Your Customer voor zakelijke klanten","url":"/en/business/customer-service/kyc/why-kyc"},{"text":"KYC - Klant worden bij ING","url":"/en/business/customer-service/kyc/becoming-a-customer"},{"text":"KYC - Wetten en Regels","url":"/en/business/customer-service/kyc/laws-and-regulations"},{"text":"KYC - Belastingplichtig in het buitenland","url":"/en/business/customer-service/kyc/taxable-abroad"},{"text":"KYC - Hoe weet ik zeker dat ik door ING word benaderd?","url":"/en/business/customer-service/kyc/how-am-i-sure-that"}]}]},"hasMacro":false,"id":"ac6f7d9c-f6fc-4aeb-8873-5f3e2ad099ec","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Contact and support","url":"/en/personal/customer-service"}},"componentType":"productHeader","coreHeader":{"body":"That’s why we keep an eye on your transactions and sometimes ask you questions about your situation or about payments you’ve made or received. This helps us keep your details up to date. Together, we make sure your information is accurate and meets current laws and regulations.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/d3246a54aff5bf8/original/A-smiling-woman-sits-at-a-table-with-a-cup-of-coffee-and-talks-on-the-phone.jpg","transformBaseUrl":"https://assets.ing.com/transform/2d77c679-373b-4061-98ea-7a6ae662d54c/A-smiling-woman-sits-at-a-table-with-a-cup-of-coffee-and-talks-on-the-phone","type":"image","width":4779},"subtitle":"Even if you’re already a customer with us, we still need to know who you are and what you do and we’re required to keep that up to date.","title":"KYC – Being a customer at ING"}},"publishDate":"2026-06-29T10:57:32.156+02:00"}}