Banking
Netherlands — Banking: Credit History
The Dutch BKR registers credits over EUR 250 running longer than a month, keeps data visible five years after repayment, and a BKR entry does not block a basic bank account.
VerifiedGovernment / official sourceBKR — Which credits are registered at BKRLast reviewed: 2026-10-23
Why this matters
A good understanding of the country's credit history system is crucial for non-residents applying for loans or credit in the Netherlands.
Key facts
- All credits above EUR 250 with a term over one month are registered, and commercial credit over EUR 1,000 for which you are personally liable.
- Student loans, loans from friends or relatives and a mortgage on your home are not registered, though mortgage arrears are reported.
- After repayment your data remains visible for 5 more years, and payment arrears at tax authorities, energy suppliers, housing corporations and health insurers can be reported.
- The government says you can still open a basic bank account with a BKR arrears notice, but without overdraft.
Steps
- Understanding Credit History in the Netherlands — Non-residents can contact the Central Bureau Kredietregistratie (CBK) to request information on their credit history, but a detailed explanation of the process and associated costs is uncertain. It is recommended to consult a financial advisor or conduct further research to better understand this process.