Account holders living outside of the Netherlands

Yes, the Dutch Deposit Guarantee automatically protects the money of all individuals and almost all firms and other organisations at Amsterdam Trade Bank including FIBR, from 1 cent up to €100,000. However, there are some exceptions, see the question Who is not protected by deposit guarantee?

Yes, most businesses are protected. However, there are some exceptions, see the question Who is not protected by deposit guarantee?

Both your private and business accounts are protected up to €100,000. If you are running a business, the maximum protection depends on the legal form of your business, i.e. whether:

You are self-employed or own your own business. The Dutch Deposit Guarantee also protects the funds in your business accounts. If you want to determine how your firm’s money is protected, you first need to know what its legal form is.

Sole trader - Are you a sole trader, i.e. does your business have no legal personality? Then the money in your business account is added to your private account. This means you are protected for the total of up to €100,000 per person, per bank.

Does your business or organisation have legal personality? As a legal entity, its funds are protected separately from your private bank accounts up to €100,000.

Do you have a business or organisation without a separate legal personality, such as a partnership? In this case, the ultimate beneficiaries are protected by the deposit guarantee.

For some firms and institutions, the money in Dutch bank accounts is not protected by the Dutch Deposit Guarantee. These are:

• banks, if the deposits are held by a bank in its own behalf and for its own account;
• financial institutions;
• investment firms;
• Account holders who have not identified themselves in accordance with Section 4(1) of the Dutch Anti-Money Laundering and Anti-Terrorist Financing Act (Wet ter voorkoming van witwassen en financieren van terrorisme – Wwft);
• insurance undertakings and reinsurance undertakings (subject to certain exceptions);
• investment funds, managers of investment funds, undertakings for collective investment in transferable securities (UCITS) and UCITS managers;
• pension funds;
• public authorities.

This follows from Section 29.01(2) of the Decree on Special Prudential Measures, Investor Compensation and Deposit Guarantees under the Financial Supervision Act (Besluit bijzondere prudentiële maatregelen, beleggerscompensatie en depositogarantie Wft – Bbpm).

If this applies to you, DNB will inform you of this in our decision letter, which you will receive after requesting the compensation (see question How do I get my money back?).

In a few exceptional cases, the money of individuals is not protected by the Dutch Deposit Guarantee. For instance, in the following case:

• Deposits arising out of transactions in connection with which  there has been a criminal conviction for money laundering.

In a few other extraordinary cases, too, payment of compensation under the deposit guarantee may be postponed or suspended. Namely when:

• it is uncertain whether a person is entitled to receive a payout or if the deposit is the subject of a legal dispute;
• the deposit is subject to restrictive measures imposed by national governments or international bodies;
• a depositor  or any person entitled to or interested in sums held in an account has been charged with an offence arising out or in relation to money laundering. The suspension ends as soon as the prosecution has ended or the decision of the competent court has become final.

The money in your bank accounts at Amsterdam Trade Bank including FIBR is protected from 1 cent up to a maximum of €100,000 per person or company, per bank.

Four important rules apply here:

Rule 1 – The protection applies per person or company, not per bank account.

If you have several accounts at Amsterdam Trade Bank including FIBR, you must add up the money in these accounts. The maximum protection of €100,000 applies to the total amount that you have with Amsterdam Trade Bank including FIBR.

Rule 2 – For joint accounts, the coverage limit applies to each account holder separately.

For example, if you and your partner have a joint account, you are both protected by the deposit guarantee up to €100,000. Together, you are therefore protected up to a maximum of €200,000.

Rule 3 - The protection applies per bank licence. The following trade names Amsterdam Trade Bank N.V., ATBANK, ATBConnect, ATBSavings, FIBR, FIBR Bank also fall under licence name Amsterdam Trade Bank. If you have several accounts at various trade names of Amsterdam Trade Bank, you must add up the money in these accounts. The maximum protection of €100,000 applies to the total amount that you have with the bank.

Rule 4 - In the event of a temporarily high balance related to the purchase or sale of your house, you may be eligible for additional protection.

The Dutch Deposit Guarantee provides three months of additional protection for a temporarily high balance that is related to the fulfillment of a sale or purchase agreement – i.e. the purchase or sale – of an owner-occupied home. The additional protection is linked to the amount of the sale or purchase agreement and is limited to €500,000 per person per bank. For more information see the question How does the additional protection work when I purchase or sell my home?

Joint accounts are also covered by the protection from 1 cent up to €100,000 per person. Suppose, for example, that you and your partner jointly hold an account, and you have no other accounts. Then your maximum protection is €200,000. See also the question What should I do to get the compensation for a joint account?

If you have both a joint account and an individual account at Amsterdam Trade Bank including FIBR, the balance of the individual account and your share in the joint account will be added together and the maximum protection of €100,000 per person will then apply. The sample calculation at Deposit guarantee - Up to what amount is my money protected? DNB illustrates this.

Your balance above €100,000 is not protected by the Dutch Deposit Guarantee. For the amount above €100,000, you keep a claim on Amsterdam Trade Bank. You can ask for (claim) this amount back from the liquidator of Amsterdam Trade Bank. The normal rules that apply in case of bankruptcy apply. The liquidators have sent all account holders a letter about this. The letter was sent to inform you. You do not have to do anything. All account holders to which this applies will later receive another letter from the trustees. If you had more than €100,000 in your account(s) and you have not received this letter, please contact the liquidators.

The court appointed A. van Hees and J.E.P.A. van Hooff as liquidators. If you are a creditor of Amsterdam Trade Bank and you have any other specific questions with regard to the bankruptcy, please contact the liquidators’ information desk by email at infoatb@stibbe.com.

If the account holder is deceased, then the payout will depend on the situation. 

You must notify the Nederlandsche Bank (DNB) by using a form for natural persons. You can download this form on this page. You can fill out the form, sign it and send it to us with the attachments in the following ways: upload it using the online Web form Deposit Guarantee or send it by post. Attach (a copy) of the death certificate and (a copy) of the certificate of inheritance.

Only in exceptional cases can DNB refund the money in the name of a deceased family member without a certificate of inheritance. In case you do not have a certificate or if you have any questions, please contact the DNB Informationdesk by telephone at +31 20 5249111 or by email at info@dnb.nl.

To get your money back, you will need an account at another bank than Amsterdam Trade Bank including FIBR.

We will send you a form on which you can indicate in which account you would like to receive your compensation. Submit your completed and signed form along with supporting documentation by post to DNB. See the form for additional information on submission. You can find the form also on our website.

You can have the total amount transferred in one go. After DNB has received your completed form, DNB will check the form against the information we have received from the bank. DNB will then process this as quickly as possible and transfer your compensation to the bank account you have specified.

Please note that secure communication is important. DNB makes every effort to ensure that our communication with you is secure. What can you do to protect yourself from becoming a victim of criminal activity? For your own safety and security, always visit the official website of DNB, www.dnb.nl. If you are in doubt about a phone call or text message, hang up, close the browser and call us.

The account holders must each separately inform DNB about the account to which DNB may transfer the compensation. For joint accounts, the guarantee applies to each account holder individually for a proportionate part of the account, unless otherwise agreed by contract.

A business may have a fully authorised representative. If you are such a representative, you can have the compensation paid out. A business can also have jointly authorised representatives. If you are all jointly authorised, you must jointly apply for compensation.

Within a few business days after activation of the Deposit Guarantee Scheme, DNB will send you a form in which you can specify the account in which you want to receive your compensation. You can also find this form on our website. Submit your completed and signed form along with supporting documentation by post to DNB. After DNB has received your completed form, DNB will check it against the information we have received from the bank. DNB will then process it as quickly as possible and transfer your compensation to the bank account you specified.

For more information, please also read the answer to the question How do I get my money back?

You can submit the form to DNB until three months after the date on which DNB activated the Deposit Guarantee Scheme.

The interest accrued but not yet credited up to and including the day before 22 April 2022 will be included in the compensation, up to a total amount of € 100,000 for the entire compensation.

Do you have questions about how your interest was calculated and you have not yet received a decision letter from DNB about your compensation? Then you can contact the liquidators of Amsterdam Trade Bank. The court has appointed A. van Hees and J.E.P.A. van Hooff appointed as bankruptcy trustees. You can contact the information desk of the bankruptcy trustees by e-mail at infoatb@stibbe.com.

Do you disagree with the interest calculation and have you already received a decision letter about your compensation from DNB? Then you can object to this decision. How you can do this is described in the question How can I object to DNB's decision on my compensation?

For more information about interest, see also the questions What will happen to the interest from April 22, 2022? and The interest amount that I see in the decision from DNB for my term deposit is incorrect, why?

Interest from April 22, 2022 will not be reimbursed by the Deposit Guarantee Scheme (DGS). The bankruptcy trustees have to make a decision about this. DNB does not know this yet. You can contact the bankruptcy trustees of Amsterdam Trade Bank, A. van Hees and J.E.P.A. van Hooff, by email at infoatb@stibbe.com.

The interest accrued but not yet credited up to and including the day before 22 April 2022 will be included in the compensation, up to a total amount of € 100,000 for the entire compensation.

The interest on a fixed-term deposit is paid out by the DNB according to the product conditions, this can be a monthly payment to another (savings) account. The interest you see in the decision letter is therefore probably only the interest accrued but not yet paid for April (until 21 April).

In case you do not agree with the interest amount and you have not yet received a decision letter from DNB about your compensation, you can contact the liquidators of Amsterdam Trade Bank. The court appointed A. van Hees and J.E.P.A. van Hooff as bankruptcy trustees. If you are a creditor of Amsterdam Trade Bank and you have any other specific questions with regard to the bankruptcy, please contact the bankruptcy trustees’ information desk by email at infoatb@stibbe.com.

In case you do not agree with the interest amount and you have already received a decision letter from DNB about your compensation, you can object to this decision. How to do this, is described in the question How can I object against the DNB's decision on my compensation?

You can find more information on interest in the questions Will I still receive interest? and What will happen to the interest from April 22, 2022?

The Amsterdam Trade Bank/FIBR web portal was accessible to customers until 3 May. The amounts shown therein contain entries of interest until 3 May. In reality, these bookings have no longer taken place. Due to the bankruptcy of Amsterdam Trade Bank, the amounts have been fixed on April 22, 2022. These are the amounts you see in the overview of DNB.

If you had one or more accounts at Amsterdam Trade Bank including FIBR but have not received a letter from DNB about the deposit guarantee for Amsterdam Trade Bank, you can download a form from our website www.dnb.nl. Use this form to indicate in which account you would like to receive your compensation. Fill in the correct address details on this form so that we can process this in our system for any future correspondence.

Submit your completed and signed form along with supporting documentation either online via the Web form at www.dnb.nl (fastest option) or by post (alternative option). You can also contact the DNB Informationdesk by phone at 0800 020 1068 (from the Netherlands) or + 31 20 5249111 (from abroad). E-mail: info@dnb.nl. 

We cannot close your account at Amsterdam Trade Bank. The easiest and fastest way to terminate your relationship with Amsterdam Trade Bank is to apply for the deposit guarantee payment, because the Deposit Guarantee Fund will then take over your claim.

For more information about the substitution of your claim, see the answer to the question Can I still file a claim with the liquidators of Amsterdam Trade Bank including FIBR?

Do you have more than € 100,000 in your account(s) at Amsterdam Trade Bank and is this related to the purchase or sale of your residential property? The Dutch Deposit Guarantee provides three months of additional protection for a temporarily high balance that is related to the fulfilment of a sale or purchase agreement of your residential property. The additional protection is linked to the amount of the sale or purchase agreement and is limited to € 500,000 per person per bank, for a total up to € 600.000. The total guaranteed amount can never exceed the total balance held at a bank, and the additional protection cannot exceed the sale or purchase price of your home.

Banks do not separately administer temporarily high balances associated with the purchase or sale of your homes. In order to claim the additional compensation, you must therefore inform DNB yourself. DNB has made an application form available on its website. You can download this form, fill it in, sign it and send the form together with supporting document to DNB.

If you have any questions, please contact the DNB Information desk by phone at 0800 020 1068 (from the Netherlands) or + 31 20 5249111 (from abroad) for more information if you think you may be entitled to the additional compensation.

The Dutch Deposit Guarantee is funded from the Deposit Guarantee Fund. If you choose to receive compensation from the Dutch Deposit Guarantee, you will no longer be able to submit a claim to the liquidators of Amsterdam Trade Bank for the amount of compensation you received from the Deposit Guarantee Fund. Read more about the role of the Deposit Guarantee Fund under the question Who funds the Dutch Deposit Guarantee?

It follows from the law that the Deposit Guarantee Fund substitutes Amsterdam Trade Bank for paying out compensation to the account holder. This is called subrogation. It means the account holders' claims and all associated rights (including interest) are transferred to the Deposit Guarantee Fund, and the Deposit Guarantee Fund can recover the amount paid to you under the Deposit Guarantee Scheme from the assets of Amsterdam Trade Bank.

If, after having received your compensation, you still have a claim on Amsterdam Trade Bank (for example if you had more than € 100,000 in accounts with Amsterdam Trade Bank), it is your own responsibility to put your claim to the liquidators of Amsterdam Trade Bank. The liquidators have sent all account holders a letter about this. The letter was sent to inform you. You do not have to do anything. All account holders to which this applies will later receive another letter from the trustees. If you had more than €100,000 in your account(s) and you have not received this letter, please contact the liquidators. See also the question What happens to my balance above €100,000 in my accounts at Amsterdam Trade Bank including FIBR?

The court appointed A. van Hees and J.E.P.A. van Hooff as liquidators. If you are a creditor of Amsterdam Trade Bank and you have any other specific questions with regard to the bankruptcy, please contact the liquidators’ information desk by email at infoatb@stibbe.com.

When providing your account number to De Nederlandsche Bank (DNB), you are obliged to declare that the money in your account(s) with Amsterdam Trade Bank is not related to money laundering transactions. This follows from Section 29.01(2) of the Decree on Special Prudential Measures, Investor Compensation and Deposit Guarantees under the Financial Supervision Act (Besluit bijzondere prudentiële maatregelen, beleggerscompensatie en depositogarantie Wft – Bbpm). This Section stipulates that the Deposit Guarantee Scheme does not apply to money arising from transactions involving a criminal conviction for money laundering. If you do not provide this statement, DNB will not be able to pay out compensation.

When providing your account number to De Nederlandsche Bank (DNB), you are obliged to declare that the money in the account(s) with Amsterdam Trade Bank has not been, and will not be, set off against any debts owed to this bank. If you do not provide this statement, DNB will not be able to pay out compensation. Account holders have the right to set off their deposits and debts in the event of bankruptcy. If you are considering setting off your debts, please contact the trustees. The Court has appointed A. van Hees and J.E.P.A. van Hooff as trustees. You can contact their Information Desk by e-mail at infoatb@stibbe.com. Please note that if you opt for set-off, you will not be able to receive this amount from the Deposit Guarantee Scheme.  

If you find the decision by DNB on your compensation unclear, if you think there is a mistake, or if you disagree with the decision, please contact the DNB infodesk by phone at 0800 020 1068 (from the Netherlands) or + 31 20 5249111 (from abroad). Or send an e-mail to info@dnb.nl. We may be able to resolve your objections without formal procedures.

If you still disagree with your compensation, you can file an objection. You must submit a notice of objection within six weeks of the date of the decision. This is the date of the letter you received from DNB containing the decision on your compensation. 

Your notice of objection must contain at least the following: 

• the phrase 'DGS decision on Amsterdam Trade Bank’
• your reference number as stated in the top right corner of our decision letter
• your signature
• your name and address
• the date
• a description of the decision you are objecting to
• the reasons why you disagree with the decision

DNB will always endeavour to handle your objection correctly, but if your objection does not meet one or more of the above requirements, DNB will not be able to handle it. 

You may submit your signed objection to DNB in 3 ways. You can email us your signed objection as a PDF file at bezwarenbox@dnb.nl. You can also submit it securely using the online objection form on our website: Filing an objection to a decision we have taken (dnb.nl).

Alternatively, send your signed objection by post, addressed to: 

De Nederlandsche Bank N.V.
Divisie Juridische Zaken afdeling TP&P
Postbus 98
1000 AB Amsterdam
The Netherlands

If you do so, you will need to take into account the possibility of the objection being declared (manifestly) inadmissible, or (manifestly) unfounded. See the question What are examples of inadmissible or unfounded objections?

In the question How can I object to DNB’s decision on my compensation? you can read how you can object against the decision of DNB on your compensation in case you do not agree with this decision. If you file a notice of objection, you will need to take into account the possibility of the objection being declared (manifestly) inadmissible, or (manifestly) unfounded. Here you find some examples of inadmissible or unfounded objections:

• You submit an objection after the term for objection, i.e. the six-week period following the announcement of DNB's decision, has run out, and there is no well-founded reason for submitting your objection too late. Submitting an objection on time is an important element in Dutch administrative law. We will declare an objection submitted after the deadline (manifestly) inadmissible for that reason.
• You are neither the account holder to whom or decision was addressed, nor do you act on behalf of this account holder. In this case you are not an interested party to our decision, and we will declare your objection (manifestly) inadmissible.
• Your application for compensation under the deposit guarantee in respect of Amsterdam Trade Bank has been granted in full. In this case you do not have an interest in objecting to this decision, and we will declare your objection (manifestly) inadmissible.
• You claim to have a right to compensation for your balance exceeding €100,000. Each individual is entitled to compensation to a maximum amount of €100,000, meaning that your objection will be declared (manifestly) inadmissible for that reason.
• You are of the opinion that you are entitled to higher compensation, because you incurred costs to submit your application. As such costs are never reimbursed, we will declare your objection (manifestly) unfounded. Only the account balance and the accrued interest are eligible for compensation.
• You believe that you have a right to payment of interest over the period from 22 April 2022 until the moment of disbursement of the compensation to which you are entitled. The interest compensation is paid until the day on which the emergency regulations were declared applicable to Amsterdam Trade Bank, i.e. until 22 April 2022. In this case, we will also declare your objection (manifestly) unfounded.

The records of Amsterdam Trade Bank including FIBR show that the bank closed several accounts in the period preceding the bankruptcy on 22 April 2022. These are accounts that did not see any transactions on behalf of the account holder during the 24 months preceding 22 April 2022. These accounts are therefore no longer active, and DNB treats them as dormant accounts.

The Dutch Deposit Guarantee also covers the balances held in dormant accounts. In principle, the same conditions apply to these accounts as to the other accounts, such as the maximum compensation amount of EUR 100,000 per person. There are, however, two differences:

Firstly, DNB may defer payment of compensation for dormant accounts. The statutory payout period of ten working days does not apply to these accounts.

Secondly, DNB may not pay out compensation if the value of the deposit is lower than the administrative costs that would be incurred by the DGS in making such a repayment. We have therefore set a limit of EUR 5 below which no compensation is paid out under the DGS. More information on this limit can be found under the question Why has DNB set a limit of EUR 5 per person for dormant accounts?

DNB will send a letter to holders of dormant accounts, to the address entered in the records of Amsterdam Trade Bank. This letter states the balance you had on the dormant account(s) at Amsterdam Trade Bank including FIBR. The letter includes a form with which you can indicate in which payment account you want to receive your compensation. You can also fill in the form for dormant accounts digitally, in which case you can download the form here.

You can submit your completed and signed form along with the required attachment(s) by post to DNB. You can find further instructions on how to submit the form on this webpage and on the form.

It is possible that you have a dormant account at Amsterdam Trade Bank because you were a customer in the past, but that you have not received a letter from DNB. This may be the case if you moved house recently. What you can do is explained in the answer to the question I have not received a letter from DNB, but I think I had a dormant/inactive or closed account at Amsterdam Trade Bank including FIBR, what should I do?

It is possible that you have a dormant account at Amsterdam Trade Bank because you were a customer in the past, but that you have not received a letter from DNB. This may be the case if you moved house recently.

If you think you are entitled to compensation for a closed/inactive or dormant account, but you have not received a letter, please contact DNB's Informationdesk at +31 20 524 91 11, or send an e-mail to info@dnb.

You can also download the form for dormant accounts and submit it by post or online, see the answer to the question How do I get my money back from dormant accounts?

DNB has set a limit of EUR 5 for dormant accounts below which no compensation is paid out under the DGS. The reason is that DNB may not pay out compensation if the value of the deposit is lower than the administrative costs that would be incurred by the DGS in making such a repayment. The limit of EUR 5 includes the minimum cost we incur per depositor to make compensation available. This is partly due to the complexity of assessing the compensation to be paid for dormant accounts.

The Dutch Deposit Guarantee is put down in law based on a European directive. The EU Directive governing deposit guarantee schemes was implemented in Dutch legislation on 26 November 2015. The following articles are particularly relevant with regard to dormant/inactive or closed accounts at Amsterdam Trade Bank including FIBR:

• Articles 8(5)c and 8(9) of Directive 2014/49/EU on deposit guarantee schemes.
• Section 29.05(5) of the Decree on Special Prudential Measures, Investor Compensation and Deposit Guarantees under the Wft (Besluit bijzondere prudentiële maatregelen, beleggerscompensatie en depositogarantie Wft, in Dutch only).

You can no longer transfer money to or from Amsterdam Trade Bank including FIBR.

Neither can you take out credit with Amsterdam Trade Bank including FIBR.

Payment orders received by Amsterdam Trade Bank including FIBR up to 22 April 2022 have still been processed. Orders received after 22 April 2022 could no longer be processed.

Automatic transfers to and from Amsterdam Trade Bank including FIBR cannot be processed after 22 April 2022. Therefore, create new automatic transfers using an account at another bank.

Your credit or loan at Amsterdam Trade Bank including FIBR remains a debt to the bank. All associated obligations continue to exist, including the payment of interest and repayments. If you have any questions about this, please contact the liquidator of Amsterdam Trade Bank including FIBR. 

The court appointed A. van Hees and J.E.P.A. van Hooff as bankruptcy trustees. If you are a creditor of Amsterdam Trade Bank and you have any other specific questions with regard to the bankruptcy, please contact the bankruptcy trustees’ information desk by email at infoatb@stibbe.com.

If you have a specific question about the deposit guarantee for Amsterdam Trade Bank including FIBR, you can always contact the DNB Informationdesk by phone at 0800 020 1068 (from the Netherlands) or + 31 20 5249111 (from abroad) Monday to Friday between 09:00 and 19:00. Or send an e-mail to info@dnb.nl.

For more information on what the deposit guarantee is, why it exists and who pays for the Dutch Deposit Guarantee, see the Why deposit guarantee? section in the Frequently asked questions on the Dutch Deposit Guarantee.

The Dutch Deposit Guarantee is put down in law based on a European directive. The EU Directive governing deposit guarantee schemes was implemented in Dutch legislation on 26 November 2015. The following laws and regulations are relevant:

• Directive 2014/49/EU on deposit guarantee schemes
• Section 3.5:6 of the Financial Supervision Act (Wet op het financieel toezicht)
• Decree on special prudential measures, investor compensation and deposit guarantee under the Wft (Besluit bijzondere prudentiële maatregelen, beleggerscompensatie en depositogarantie Wft);

De Nederlandsche Bank (DNB) has also laid down further rules on elements for which the law and regulations give DNB discretionary powers, or for which clarification is needed. DNB has laid down these rules in the Policy Rule on the Scope and Implementation of the Deposit Guarantee Scheme (Beleidsregel Reikwijdte en Uitvoering depositogarantiestelsel).

The laws and regulations stated in the answer to the question Where can I find the laws and regulations on the Dutch Deposit Guarantee? give De Nederlandsche Bank (DNB) various powers with regard to the Dutch Deposit Guarantee. For example, DNB decides on the application of the Dutch Deposit Guarantee and the use of the financial resources available for this purpose.

This also means DNB is authorised to pay out compensation to account holders and has the power to determine the existence and value of deposit claims against Amsterdam Trade Bank. Payments of compensation to account holders are made from the Deposit Guarantee Fund (DGF). The DGF ensures that any compensation awarded is immediately made available for payment. Read more about the role of the DGF at the question Who funds the Dutch Deposit Guarantee?

Funding of the Dutch Deposit Guarantee takes place via a joint fund: the Deposit Guarantee Fund (DGF).  All Dutch banks are obliged to participate in the Dutch Deposit Guarantee. They are also obliged to deposit money (contributions) into the joint fund. This is how the Dutch Deposit Guarantee is funded.

The DGF was established in late 2015 to fund the Dutch Deposit Guarantee. The DGF is a separate legal entity that is supported in performing its tasks by De Nederlandsche Bank (DNB). The DGF's task is to manage the available financial means and ensure they are made available when needed for the execution of the Deposit Guarantee Scheme (DGS). If the DGS is applied, the DGF will fund the account holders' compensation as determined by DNB.

By the end of 2021, the Deposit Guarantee Fund had reached a size of €3 billion. This is sufficient for the compensation payouts under the Deposit Guarantee Scheme (DGS) for Amsterdam Trade Bank including FIBR.

Read more in this news release: Dutch Deposit Guarantee Fund breaks €3 billion barrier

This email was sent unintentionally. No fine will be collected by Amsterdam Trade Bank or FIBR. You can request compensation from the Deposit Guarantee for the deposit. You can find out how to do this under the question How do I get my money back?

If, after having received your compensation, you still have a claim on Amsterdam Trade Bank (for example if you had more than € 100,000 in accounts with Amsterdam Trade Bank), you will soon receive a message from the bankruptcy trustees of Amsterdam Trade Bank. The court appointed A. van Hees and J.E.P.A. van Hooff as bankruptcy trustees. If you are a creditor of Amsterdam Trade Bank and you have any other specific questions with regard to the bankruptcy, please contact the bankruptcy trustees’ information desk by email at infoatb@stibbe.com.

In addition to the activation of the Deposit Guarantee Scheme (DGS), De Nederlandsche Bank (DNB) also activated the Investor Compensation Scheme (ICS) for Amsterdam Trade Bank. This means that persons who have entrusted money or financial instruments to Amsterdam Trade Bank in connection with investment services or ancillary services may be entitled to compensation (up to a maximum of EUR 20,000 per person) under certain conditions. 

Customers of Amsterdam Trade Bank can no longer request compensation under the Investor Compensation Scheme. The deadline for submitting an application for compensation was up to five months after the publication of the notice about the activation of the ICS in the Government Gazette. That term expired on October 3, 2022.

More information about Investor compensation can be found at Investor compensation (dnb.nl). For specific questions, contact the DNB Infodesk, 0800 020 1068 (from the Netherlands) of + 31 20 5249111 (from abroad).

If you have a specific question, please contact the DNB Informationdesk by telephone at +31 20 5249111 or by email at info@dnb.nl.

The Informationdesk of DNB is open from Mondays to Fridays, between 09:00 and 15:30.