After my emigration to Thailand, ING wants information about my payment account and re-identification?
Dear readers,
When I emigrated to Thailand in September, I reported my change of address to ING, and I was also deregistered from the Netherlands. This week I received a message in my ING app that they wanted information about the use of my payment account. I have checked the message with ING and it is not phishing.
These were the questions:
- Connection with the Netherlands – You have recently moved to another country. What is the reason for this move? That's simple, emigration.
- Data subjects – Currently your proof of identity has not been recorded correctly. As a result, you must have yourself re-identified at one of our offices. More information about (re)identification can be found on ing.nl by searching for “identify yourself”. In the explanation field you can indicate on which date and at which office you did this. So I don't understand anything about this, I uploaded my ID card somewhere in May, when I installed the ING app on my new phone, I also answered that. It will also be difficult to go to an ING office in the Netherlands if I live in Thailand. Could this be some trick to get rid of me as a customer.
Furthermore, questions were asked about the source of my wealth, hahaha. Unbelievable that is just on the ING savings account, they can just follow that, that it was obtained by saving with money obtained through paid employment. I did transfer the necessary 800.000 Baht to my Thai account via Wise for the extension of my stay. Have consulted a lawyer in the Netherlands, who just says answers, the ING is going a bit too far. Of course I just answered, because I have nothing to hide.
The only thing I'm a little worried about is having it re-identified at an ING office in the Netherlands. Can't be true that they demand that, while I can also do that digitally, if necessary via video calling. I also looked in my app, and there is no mention that my ID would not be correct.
Are there any readers who have emigrated, and have also experienced this, and I mean in particular that re-identification.
Regards,
Rudolf
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ING Belgium started checking their data a few months ago. Perhaps it has to do with a Belgian law – perhaps also in an EU context – that was voted in 2017 and tries to curb money laundering. The AMLO – anti money laundering office – was founded in Thailand in the nineties and now also regularly conducts surveys into foreigners who, for example, set up an entertainment business or undertake renovations to existing houses with a view to AIRBnB style rentals.
Identification, where the money comes from, but also your tax identification number in the countries where you are subject to income tax must be submitted to ING. Personally that is not a problem because I do have a Thai number, but for that you also have to be registered in a house registration book, the tabian job. Persons who are taxed in both countries by the tax treaties between Thailand and Belgium or the Netherlands may have a problem here. Under Belgian law, anyone who receives money from the treasury – e.g. pensions, sickness or disability benefits – are taxable in Belgium.
I have no experience with it, but I would contact ing by phone.
I do understand that ing recently had to pay a fine, due to insufficient control of the origin of money flows.
Perhaps it can still be arranged remotely and these are standard questions that people are obliged to ask
ABN, by the way, too. I have had an account with ABN for 50 years, but I also received a question about the origin of money on my account that had been on it for 20 years. Please let us know how the case turns out for other people who may encounter the same problems.
Dear Khun Moo,
I'm not going to call until they force me to come to the Netherlands for identification.
I have answered and will wait and see. I will of course keep the readers informed.
The same happened to me. No problems for years, but suddenly the app stopped working.
I MUST come to an office in NL. I have not been to the Netherlands for 15 years and do not intend to go. I called every possible number, but always the same story. I have to go to an office in NL
come. I can now only access my account through my wife, because we have a joint account. I can no longer access my own account.
So you will have to go to the Netherlands, hekaas.
Hi Loe,
Bizarre story, hadn't you had a message in advance?
You suddenly can't access your app anymore, did you ask ING what the reason was?
Maybe good to keep each other informed here, I will certainly do that.
I'm not Nok, I'm her spouse. We also receive all kinds of questions from ING about the origin of savings, about money transfers to Thailand, about our income, etc. Although ING can know everything because they can follow/view our accounts, we are apparently expected to declare and to answers. At the time, Nok asked via Thailandblog whether she is obliged to answer. Most responded with: yes, just answer. ING is legally obliged to find out what their customers are 'up to'. So we just comply with our legal “duty” under penalty of threatening to close the account. But because I do not hear from other readers with another bank, eg AmroAbn, that they are also being questioned, I assume that ING is stricter because ING itself is not free from money laundering and corrupting practices. Just click on Google. In addition, ING has not taken checking for illegal money too seriously, so it may be catching up. I don't think it's wrong to take a closer look at your own officials and make thorough inquiries. It remains that a few years ago ING was fined 775 million euros for money laundering shortcomings, and this theme will be in the news again in 2020. Throwing out a dragnet seems to me to be their motto.
Indeed. My advice: open a bank account with Wise and transfer all the money to that account. Also easy to transfer. Also tell others that you bank with wise and, if necessary, change the bank accounts with SVB and other pension payers.
I have not emigrated but I have also received questions regarding my income. That is very simple, AOW, ABP and A SR. Nothing to hide, but questions about organizations of which ALL data is known to ING. Then the question of what connection I have with the Netherlands, well I live there. And a question whether I have assets abroad and provide evidence of this. Also provide proof if I have no assets outside the Netherlands. Answered that question with the comment that I would like to hear from them how to prove something I do not possess. Didn't get an answer, a bit careless from ING.!
Strange questions, namesake. I can imagine that the Tax and Customs Administration would like to know whether you have assets abroad, and then it is also a legitimate question. But what is it a bank's business what you own beyond the amounts held in your accounts?
Dear Rudolf Make a and or account with someone who lives in the Netherlands eg son or daughter and make it your bank address
If you live permanently in Thailand, what do you pay attention to transfer all your savings from the Netherlands to one or more banks here or in the region.
Are you rid of all that nagging?
Then this and then that.
It's starting to look more and more like Stasi situations.
Years ago I was kicked out like a dog at ABN AMRO, with a simple message via the post, after having banked there all my life. The Netherlands is no longer the Netherlands to the people who built this country.
Ukrainian refugees can open a bank account in the Netherlands in no time, while we, who have saved and toiled all our lives, have decided to live in Thailand, where many have also sold their homes. Which also creates space for the many home seekers in the Netherlands.
Better let them go after the real money launderers and tax evaders.
Jan Beute.
Agreement between the Kingdom of Belgium and the Kingdom of Thailand for the Avoidance of Double Taxation and the Prevention of Fiscal Evasion with respect to Taxes on Income and on Capital, October 16, 1978
https://vlex.be/vid/belgi-thailand-vermijden-dubbele-ontgaan-30066053
Why Francois?
Perhaps it is now time to copy some things on this site regarding Belgian Taxes
I have been receiving a letter from ING every year for 3 years at my address in Thailand asking whether I live in the Netherlands or Thailand + a whole laundry list of other questions, half of which I do not understand.
Never responded to this.
If they want to close my account, they should.
Have also had an account with ing for 50 years and misery for years. I can't even report a change of address. Mail has been delivered to an old address for ages. Completely impossible to communicate with them. Wrote letters but none of them make sense. So wet your chest.
Success!
Dear Rudolf, how do they say it again
The soup is not……………………………..
A small look at the site of ING gives this answer.[not my bank]
I have lost 500 Baht with a life certificate wherever I follow that procedure.
This also applies to your re-identification.
Identification abroad
Do you live abroad for a longer period of time? And do you have to identify yourself or your child? Then you have the data from your identity document (or that of your child) translated into English or Dutch. You must have this translation legalized by an authorized organization or official. For example, a notary or lawyer. This legalization is done with a so-called apostille. Mail the translation with an apostille and a copy of your proof of identity to: [email protected].
Or send them by post to:
ING
Reply number 40910
8900 TA Leeuwarden
The Netherlands
https://www.ing.nl/zakelijk/kyc/identificeren.html
Dear William,
Thank you for your response, I had my passport legalized at the end of September at the Dutch embassy in BKK, because I needed it here when registering my marriage in the Netherlands. I then assume, if it comes to this, that I can use this legalization for re-identification at ING.
Rudolf
Hello Rudolf,
Create a PDF if you don't already have one and send it.
Wouldn't wait for the question at all, just send it.
Original is always possible.
Legalization is still fairly 'fresh', to be honest, I have no idea about the period of validity of documents for this type of activity.
I am a Rabobank customer and have not had any questions let alone threats in fourteen years.
Via the ING app you can easily chat and call a helpdesk that quickly finds solutions for difficult problems.
I have been using them for years but indeed only transfer money to Thailand via WISE. The responsibility for the check in question then lies with WISE. There you enter a standard reason for the reason for transfer that is offered to you in a popup screen during the transfer. Goes fast (a few seconds) and costs even less, even at a better rate.
I've had that with Reaal insurance from which I receive an annuity policy. I thought it was phishing at first too, but it is indeed real! Could just do it all through the computer. Ready in 3 minutes.
It really has to do with money laundering.