Please note: The algorithm descriptions in English have been automatically translated. Errors may have been introduced in this process. For the original descriptions, go to the Dutch version of the Algorithm Register.
Signal bank account numbers
- Publication category
- Impactful algorithms
- Impact assessment
- DPIA
- Status
- In use
General information
Theme
Begin date
Contact information
Link to publication website
Responsible use
Goal and impact
Residents on benefits are required to fully disclose their financial situation and report all their bank accounts. The Intelligence Bureau assists municipalities in mapping and checking this financial information.
Once a year, usually in May, the Intelligence Bureau receives an overview from the Tax and Customs Administration. This lists all bank accounts in the resident's name on 31 December of the previous year.
With this information, the Intelligence Bureau prepares a report for municipalities every month. The report contains the bank account numbers of residents with benefits (such as social assistance, IOAZ or AIO). The product name is also included so that it can possibly be deduced whether it concerns a savings account or a checking account.
Considerations
The 'Signal bank account numbers' is part of the information service Samenloopsignalering (see algorithm 'Samenloopsignalering'). Only the specific points about 'Signal bank account numbers' are explained here.
By 'concurrence' we mean that a current benefit coincides with the information on known account numbers.
The algorithm ensures that municipalities only receive data from their own residents with a social assistance benefit and where a change has occurred that may affect the right to a social assistance benefit. This protects citizens' privacy. An advantage of this algorithm is that it works much faster than when someone does it by hand. This saves a lot of time for municipal employees. Also, fewer mistakes are made this way.
Human intervention
At the Intelligence Agency itself, this algorithm does not involve human intervention. The algorithm implements rules devised by humans and is not 'self-learning'.
However, the Inlichtingenbureau does ensure that the processing process has gone well.
The municipality decides whether and how to deal with a change.
Risk management
Citizen privacy is a major concern. That is why we periodically check whether there are risks and what can be done about them. This is called privacy impact assessment (PIA).
Legal basis
Checking for present assets during the social assistance benefit is part of the Regularity Check on the assistance. The processing of personal data as part of the information service 'Regularity Check' has the following basis(s):
Basis processing Tax Office:
- Sections 64(1)(c) and 68 of the Participation Act
- Section 45(1)(c) Income Support for Older and Partially Disabled Former Self-Employed Persons Act (IOAW)
- Section 45(1)(c) Income Support for Older Workers Act (IOAZ).
Basis processing Intelligence Bureau:
- Sections 64(3) and 68 of the Participation Act
- Section 45(2), IOAW
- Section 45(2), IOAZ
- Section 63 of the Work and Income Implementation Structure Act (SUWI), Section 5.24(1) and (3) of the SUWI Decree & Sections 6.2 and 6.6 of the SUWI Regulation
Basis of processing Municipalities:
- Chapter 5 'Implementation' and Chapter 6 'Powers and facilities municipalities' Participation Act
See also Data Register Stichting Inlichtingenbureau (Processing Activities Act SUWI / Participation Act on the website of the Inlichtingenbureau to be found via the following page: https://www.inlichtingenbureau.nl/Privacy-en-Veiligheid/Privacy-en-burgers
Links to legal bases
Link to Processing Index
Impact assessment
Operations
Data
The municipality's benefit file (A)
See the algorithm "Concurrence signalling".
(Temporary) storage of delivered BSN and corresponding signals in facility assistance population (client tracking facility) (B)
The demand file to the tax authorities (C)
- BSN
- Tax year
- Date of birth
- Name
The response file to the tax authorities (D)
- BSN
- Date of birth
- Name of account holder, initials and prefixes as provided by the banking institution
- Account number (IBAN)*
- Account number label
- RSIN**
- Currency year: the year in which this account is active
* Some account numbers are not supplied as IBAN, for example if it is a savings account linked to a checking account. Or a credit card account number.
** It is not possible for the Tax Administration to supply the name of the banking institution; moreover, an IBAN is not always available. A methodology has therefore been agreed with the Tax and Customs Administration based on the RSIN. The Intelligence Agency maintains a list with which the bank name can be looked up on the basis of RSIN or Bank Code from the IBAN. If there is no IBAN, the RSIN is used to determine the banking institution. Municipalities need this bank name, which facilitates contact about bank accounts towards citizens.
Signal to municipality (F)
- Bank account numbers: account number
- Bank product: (commercial) name of the account
- Currency year: the year in which this account is active
- Account holder name: name of the person who owns the account
- Bank name: name of the bank where the account is held*
- Indicator whether it is a new account or a new benefit period (Y/N)
* If the bank name cannot be derived from the IBAN, it is determined from the RSIN list maintained by the Intelligence Bureau.
Technical design
A. A municipality delivers a file relating to the current social assistance population to the Intelligence Bureau through the secure client portal on a monthly basis. After each delivery, a processing report is published, listing any errors in the delivery.
B. (temporary) storage of the delivered BSN and corresponding signals in the social assistance population (client tracking facility).
C. A (demand) file with which data are periodically requested in bulk from the Tax and Customs Administration with regard to the benefit populations of municipalities / SVB.
D. The delivery of the bulk (response) file from the Tax and Customs Administration containing the data relating to bank accounts of the populations requested.
E. The information supplied by Belastingdienst is stored in database.
F. The Intelligence Bureau makes a report available to the municipality (and/or SVB) if bank account numbers are found for supplied BSN or file. Depending on the reporting requirements set by the municipality, this report is published on the portal.
External provider
Similar algorithm descriptions
- The Intelligence Agency receives lists of people with social assistance benefits from municipalities and compares these with data from sources such as UWV, DUO and the Tax and Customs Administration. If there is an overlap (concurrence) that could affect the benefit, IB sends a message to the municipalities. The municipality can then carry out further checks.Last change on 16th of July 2024, at 13:03 (CET) | Publication Standard 1.0
- Publication category
- Impactful algorithms
- Impact assessment
- DPIA
- Status
- In use
- Some residents receive income support, such as welfare benefits. You are then only allowed to have a maximum amount of money or equity. It is the municipality's job to check this. Therefore, the municipality gets information about the assets of this group. The municipality uses filtering to decide who to investigate further.Last change on 27th of June 2024, at 12:56 (CET) | Publication Standard 1.0
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- Impact assessment
- Field not filled in.
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- Residents and entrepreneurs of Dutch municipalities will have the opportunity to apply for a number of civil affairs products digitally via the municipal website. In doing so, the system performs checks on personal data.Last change on 16th of April 2025, at 6:11 (CET) | Publication Standard 1.0
- Publication category
- Impactful algorithms
- Impact assessment
- Field not filled in.
- Status
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- Someone with social assistance benefit and (also) income from employment or another benefit will receive less benefit under the Participation Act. Excess benefit payments can also be reclaimed. To get a good overview of this income, municipalities can request information from the IB.Last change on 17th of December 2024, at 12:26 (CET) | Publication Standard 1.0
- Publication category
- Impactful algorithms
- Impact assessment
- Field not filled in.
- Status
- In use
- Pursuant to the Participation Act, our municipality has to check the legitimacy of the benefit payments during their term. For this purpose, Midden-Groningen municipality uses the services of the national Intelligence Bureau in addition to the social investigation task force.Last change on 10th of January 2025, at 16:25 (CET) | Publication Standard 1.0
- Publication category
- Impactful algorithms
- Impact assessment
- DPIA
- Status
- In use