Credit Reference Letters are essential documents in the Dutch banking system, used when formal verification of a client's banking relationship and creditworthiness is required. These letters are commonly requested for various purposes, including business transactions, loan applications, rental agreements, or international business relationships. A Credit Reference Letter contains specific information about the client's banking relationship, account conduct, and general financial standing, while complying with Dutch banking regulations, including the Financial Supervision Act (Wft) and privacy laws (GDPR/AVG). The document must balance providing useful information with maintaining appropriate confidentiality and including necessary disclaimers. In the Netherlands, these letters typically require proper authorization from the client and must be issued by authorized bank personnel.

1. Letterhead: Bank's official letterhead including full legal name, address, and registration details

2. Date and Reference Number: Current date and unique reference number for tracking purposes

3. Recipient Details: Full name and address of the recipient requesting the credit reference

4. Subject Line: Clear indication that this is a Credit Reference Letter for [Client Name]

5. Client Information: Full legal name, address, and relevant identification details of the client being referenced

6. Banking Relationship: Duration and nature of the banking relationship with the client

7. Financial Standing: General statement about the client's financial standing and account conduct

8. Compliance Statement: Statement confirming compliance with Dutch banking regulations and GDPR

9. Disclaimer: Standard banking disclaimer regarding the nature and limitations of the reference

10. Signature Block: Authorized signatory details including name, position, and contact information