ASN Bank Reviews 

Me & my partner have multiple bank accounts with multiple banks. The ASN account suddenly got blocked due to the identity check. We were not properly informed, this suddenly happenes during a vacation. The "klantenservice" is monstrous, they are very rude, hang up on you, they don't WANT to help you it seems. They keep saying that its easy to fix in the app, but then it doesnt work when you do EXACTLY as they told you. They act annoyed when you tell them about this. It is not possible to make an appointment in their office, unless you want a mortgage. Instead, you can sit and wait in an office WITHOUT an appointment, wasting your time. They are VERY unfriendly in the office as well. When you point this out, they tell you that YOU are the problem.

Conclusion: Untrustworthy, unfriendly, un communicative.

As soon as I get the block removed I am changing banks.

Our joint account has been blocked after 15 years of using without proper warning on for hand, due to administration issues. For fixing this issue due several further administration error from the bank I have to take off and travel to one of there rear bankoffices to fix this. Welkom to the stone age. We will stopp working with them.

Bank is not available by telephone or only after too long delays. App doesn't function as it should.

Had an advisory call for a mortgage, and got a very understanding advisor and fitting advice for my situation. No further experience with the bank itself.

I send money from Switzerland to an accountnumber in the NL. The ASN took about 25% from the money to make this transfer. Not a fair transaction. From Swiss Francs to Euro's should actually arrive arrive more money to the account in the NL but I even hat to pay more than expectet. Never happend before that a bank took me this much money for a transfer where only machines do their work.

Me and my brother, we are living in the Netherlands for more than 3 years, working full time, having stable incomes, being registered at the same address since the beginning, yet our mortgage application was turned down because they do not have a brother-sister purchase structure. Waste of time :)

Me and my sister applied for a mortgage and got rejected solely on the fact that we are siblings. It was a waste of our time and now we are trying to find a more open minded bank.

I have an account at this bank for years. Normal movements are no problem. But everything special is a hassle. I am trying to transfer an amount above the day-limit, using digi-pass. They have several errors in the system. Do not solve it. Block MY pass and then just hang up in the chat contact. Customer service: lousy. It is not only unprofessional, but extremely impolite too. And they create a problem for me, because I cannot pay my bill. I would not open an account at this bank if I had the choice again.

Meanwhile, 2 days later, the bank contacted me. I received an apology for the uncomfortable chat communication. And while we were searching and trying to find the problem, we have found the issue why we were not able to transfer funds. It is not a real "error", but it is an issue that is not logically described in the manual. I do appreciate the quick follow up and I am relieved that the issue is not a standard problem ... do far. Because when the digibox stops working ... the problem will be permanent, since no new parts are issued.

Great experience, nice and helpful people. Always willing to help you. More than 40 years client and never any problem. There webinar are great and helpful. Go so on.

Updated Review:

ASN Bank came through so I am updating my review. I reached out to ASN Bank after their reply to my original comment and we spent around 45min on the phone working out what initially went wrong when I tried to open a bank account with them. And thanks to (various I think) employees we’ve managed to open up my account a day later. I do appreciate that this was taken seriously and am curious to see how my experience with ASN will continue! For now I’m updating this from 1 to 3 stars because they took the feedback seriously and fixed my issue. I will come back in a few months / a year to give a full review!

First review:

Echoing many of the other reviews here. I‘m an EU expat looking for a sustainable bank in the NL, which naturally points towards ASN. The point that this bank is targeted at dutch speakers and operates in dutch does not bother me that much. As a matter of fact I did not even get to that part because I‘ve yet to open a bank account with them. Over the past 6 months I‘ve tried a whooping 5 times, talk about dedication. Them outsourcing the ID process to an external company that requires you to block a few hours a day to be home so you can get validated as an actual person is a lot of labor put onto a new potential customer. I went through tje process 5 Times and still don‘t have an account. I also still don‘t know why. On my last try I went to their nearest office requesting human interaction and asked what is going on. To be fair the person that worked there was nice and tried to help. We found out I already had an open account with them and never got notified. Unfortunately instead of finding a way for me to use this account I was told to go through the formal process again. Sigh. Back I go and book another ID appointment with the external Service Company. I haven‘t heard back ever since and am afraid I‘m stuck in limbo again. This is the last straw and I will look for another bank that suits my needs. Overall this process cost me a lot of time and energy and does not make me feel valued as a Customer. Seeing all the other reviews here with similar experiences I hope they will sort this out. It‘s a shame to consider yourself a sustainable and ethical bank but put such little care in potential future customers. I‘m open to change this review if this will be solved @ASNBank

I have been with SNS (before ASN took over) and always have been informed very well about their services. They have helped me with mortgages, divorce, bank accounts, advice etc.
Since one year it is ASN and their service and help is awful. They don't return calls, give no solutions to my questions about the mortgage, hang up on phone calls and tell me they are too busy to plan a meeting. Their customer service in Den Haag was not polite.

I am very dissatisfied with my service from ASN Bank. I recently bought my first home and took a mortgage with them at less than 90% value, but the experience has been a nightmare. On the day of signing the deed, I discovered a clause stating that no renting is allowed without the bank’s permission. This was never communicated to me by my mortgage advisor during the entire application process. When I later asked if I could rent out a single room while living there myself to help with the housing crisis and ease my financial burden, they gave me a flat refusal. It makes no sense to have a clause asking for permission in the deed if the bank knows they will say no regardless of the circumstances.

My mortgage advisor was also highly unprofessional. Because of his mistakes, I nearly lost the house as the mortgage wouldn't have been secured on time. Now I am left worried about my future. If I were to lose my job, the bank’s refusal to allow a lodger means I would have no way to cover my costs, and they would simply repossess the home. I would strongly advise anyone looking for a mortgage to go with a bank like ABN AMRO instead.

I switched my car insurance that transferred from SNS to ASN to another provider on October 29, 2025. Since ASN continued to charge me, I called customer service multiple times, but they claimed they couldn't help and forced me to visit a branch.

I had to take a day off work just to visit your branch. The employee there assured me that the policy was cancelled. I assumed the issue was resolved. However, it has been 3 months, and you are still deducting €90.93 from my account every month!

What is the difference between this and robbery? You are taking money for a service I do not use, despite my repeated efforts to cancel it and my visit to your branch. I demand the immediate cancellation of this policy and a full refund of every cent you have taken since October. This is absolutely shameful.

Very poor for English speakers/expats. The bank's app is only in Dutch and usually can't be connected to apple wallet if you have a non-Dutch number. The bank will only communicate in Dutch via email. Useless for expats basically and customer service all but confirmed they don't care. Expats aren't their market. Don't waste your time.

As a private customer, I was confronted by RegioBank/ASN with mandatory biometric identification via AMP Groep: NFC scans of my ID card, selfie-based facial recognition, and no alternative whatsoever.

According to the bank, refusing meant: blocked access, blocked payments, and ultimately termination of products. This was confirmed in several forceful emails.

The bank did not offer any possibility for physical identification at a branch office, which other Dutch banks do provide.

The tone of the communication felt threatening, not service-oriented, and completely disproportionate for a regular private customer without any risk profile.

I therefore switched to another bank where identification without biometrics is simply possible.

My experience: the procedure used by Volksbank (RegioBank/ASN/SNS) is unnecessarily coercive, not customer-friendly, and very problematic from a privacy perspective.

I hope others will be warned and that regulators will take a critical look at this approach.

================================

Thank you for your response.

I would like to clarify one important point for other readers: the mandatory re-identification at ASN / RegioBank cannot actually be fully completed at a branch. The physical locations only provide support, but the identification itself must still be carried out through the digital AMP procedure, which requires biometric data, NFC reading of the ID document, and selfie-based facial recognition.

The AML legislation (Wwft) does require identification, but does not require biometrics, NFC, or outsourcing to an external commercial party. Other banks in the Netherlands do offer non-biometric alternatives.

My concern is therefore not about identification itself, but about the lack of a privacy-friendly alternative and the coercive tone of the communication (“blockades”, “termination of products”).

I remain open to a truly non-biometric alternative, but unfortunately this is not currently offered.

Never select this bank, the conditions to remain or open a bankaccount are hard.

With Bunq it is easy to open up a bankaccount, ASN is asking way to much. They aren't even obliged to ask.. They just do. I LEFT

Ps. Wat een stomme Reactie. De wet WWFT schrijft helemaal niet zulke strenge eisen voor. Dat is de keus van de ASN bank zelf. Doei doei

Echoing what others are saying here. Attempted to open up a bank account so that my Dutch partner and I would have a bank account with the same bank. Couldn't identify online with an EU passport despite this never being an issue, had to do this physically (the man who did so was nearly 2 hours late and grumpy at the door) and in the end my application was rejected due to use of an outdated identity despite my passport being valid for 9 more years at the time of the control. As we say back home: can't tell their heads from their arses

Good if you speak Dutch and have the Dutch nationality. Otherwise use a other bank!
They issue a visa and mastercard DEBIT standard bank card with your bank account. Here is the catch:
This visa or master debit card is ONLY for use at ONLINE internet shops. You can NOT use this visa master debit card in hotels or shops. thus only accepted if a hotel or shop has a portal for online payment reservation etc.

I’m sharing this feedback because I genuinely support ASN’s sustainability mission. I want to see more people move from less sustainable banks like ING, ABN, and Rabobank. I hoping this review encourages ASN to invest in simplifying the international customer experience.

I joined ASN because it is ranked the most sustainable bank in the Netherlands by Eerlijke Bankwijzer, and at the time was also rated highly for UX/UI. However, the current onboarding process for internationals does not reflect this image. I've recently asked my partner to join to create a shared account, and was surprised that the onboarding process is still so bad.

1 - ID verification: I’ve noticed a big difference in how identification is handled. Dutch nationals can seemingly submit their ID digitally, a quick and modern process, whereas as European internationals we had to arrange for someone to *physically* come to our home to verify our ID. This feels outdated in 2025 and creates an unnecessary barrier. I can only imagine it’s even harder for non-EU customers. 

Tip: This should be modernised to be a simple digital verification, perhaps in combination with DigID.

2 - BRP: Both my partner and I already have a BSN, yet we were still required to submit a BRP document to open an account, which costs €25 to request from the Gemeente. ASN refused to reimburse this fee. ASN’s customer service said it is only required for customers without a BSN, so the onboarding process is applying unnecessary steps.

Tip: The website should be updated to not require the BRP for international customers who already have a BSN, to avoid extra cost and effort.

If the onboarding process introduces hurdles for people before they even get started, then even the most extensive marketing campaign won’t be successful. Without these improvements, international customers, myself included, may choose other sustainable banks listed by Eerlijke Bankwijzer, and ASN are losing potential customers in the process. I really hope this can be improved!

If there is a zero star I would give it. The conclusion of the whole weeks of frustrating business with ASN is: we cannot open a joint account at this bank just because I am not a Dutch person with a Dutch passport, even after going back and forth to an ASN office and wasting my precious time. If you need to identify myself, I have come to your office many times bringing my ID card, my Tax report from Belastingdienst, my passport, etc. What other documents do you need? Never before I experienced discrimination like this. My partner and I are very disappointed with this service. I would like to inform ASN that I do not give them permission to retain the copy of my personal information, including the copy of my Dutch ID card, Tax report, or any other information under my name that they have including my address and phone number. Please delete it from your system because I am going to another bank. Thank you.