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 IB helps municipalities map and check these financial details.
Once a year, usually in May, the IB receives a statement from the Tax Administration. This lists all bank accounts held in the resident's name on 31 December of the previous year.
With this information, the IB produces a report for municipalities every month. This report lists the bank account numbers of residents with benefits (such as social assistance, IOAZ or AIO). It also includes the product name so that it can possibly be deduced whether it is 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
For the IB itself, this algorithm does not involve human intervention. The algorithm executes rules devised by humans and is not 'self-learning'.
However, the IB does ensure that the processing process has been done properly.
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 the IB:
- Sections 64(3) and 68 of the Participation Act
- Article 45(2), IOAW
- Article 45(2), IOAZ
- Section 63 Work and Income Implementation Organisation (SUWI) Act, Section 5.24(1) and (3), SUWI Decree & Sections 6.2 and 6.6 SUWI Regulation
Basis of processing Municipalities:
- Chapter 5 'Implementation' and Chapter 6 'Powers and facilities municipalities' Participation Act
See also the Data Register. Processing activities Act SUWI / Participation Act on the IB's website to be found via the following page: https://www.bidn.nl/privacy-beleid
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. Therefore, a methodology has been agreed with the Tax Office based on the RSIN. BIDN maintains a list with which the bank name can be looked up using 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 IB.
Technical design
A. A municipality delivers a file relating to the current social assistance population to the IB monthly via the secure client portal. 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 (customer 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 IB 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
- Stichting Inlichtingenbureau (IB)* receives lists of people on welfare benefits from municipalities and compares them with data from sources e.g. UWV, DUO and the Tax and Customs Administration. If there is any overlap (concurrence) that could affect the benefit, the IB sends a message about this to the municipalities. The municipality can then carry out further checks.Last change on 4th of August 2025, at 13:25 (CET) | Publication Standard 1.0
- Publication category
- Impactful algorithms
- Impact assessment
- DPIA
- Status
- In use
- Assets can affect the right and amount of a benefit. Stichting Inlichtingenbureau (IB)* determines whether a person on social assistance benefit has assets above the set limit (tax-free assets). If so, the IB issues a signal about this to the municipality.Last change on 5th of August 2025, at 12:00 (CET) | Publication Standard 1.0
- Publication category
- Impactful algorithms
- Impact assessment
- DPIA
- Status
- In use
- A benefit recipient who is studying and can claim study financing is not entitled to assistance. Study financing must be used before claiming assistance. Stichting Inlichtingenbureau (IB)* examines whether there are benefit recipients who have been granted study financing in addition to assistance.Last change on 5th of August 2025, at 10:00 (CET) | Publication Standard 1.0
- Publication category
- Impactful algorithms
- Impact assessment
- DPIA
- Status
- In use
- 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 Stichting Inlichtingenbureau (IB)*.Last change on 5th of August 2025, at 13:09 (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
- Publication category
- Impactful algorithms
- Impact assessment
- Field not filled in.
- Status
- In use