May the Belastingdienst access my bank data?
Banks share pre-filled tax data (balance + interest + assets). For extra investigation: only with authorisation via information request. Not all transactions arbitrarily.
The Belastingdienst receives bank data via two routes under strict regulation. Route 1: General Tax Act (AWR) + Income Tax Act — banks must annually report: savings balance, interest, investment holdings, loan balances. This feeds your pre-filled tax return. Route 2: AWR Art. 47 + 53 — information request — only on concrete investigation ground (suspicion of fraud, systematic non-declaration), Belastingdienst official with investigation authority + administrative safeguards. Bank must comply. NOT allowed: "all transactions of Jan Jansen on a list" without concrete basis. GDPR + Wbp require necessity + proportionality. Childcare-benefits scandal 2020+ tightened oversight on this. International (CRS-FATCA): data from Dutch bank accounts of foreign tax residents is automatically exchanged with foreign tax authorities. Also reverse. Your rights: GDPR Art. 15 access at Belastingdienst — request overview of all data on you. Complaint to AP + National Ombudsman on suspected overstepping. Childcare-benefits precedent = AP investigation possible on large-scale overreach.
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