SNS Bank

It is a Dutch bank that is among the leading banking entities in the country. It specializes in retail banking operations and offers products and services to customers and companies.


This bank, in its beginnings, was born under the name of Nutsspaarbank in 1817. It was the first savings bank in the country. It began with the objective of providing savings, mortgage, and loans to both companies and individuals because, at that time, people did not have sufficient financial resources to buy or build their own homes. Nutsspaarbank offered savings banks and funds to these people.

As time passed, more and more savings banks were established in the Netherlands. In order to grow in the country, several of these savings entities joined and formed the SNS Bank. The institution of SNS Reaal was established as the bank’s parent company in 1997 when it acquired REAAL Group (One of the largest insurers in the Netherlands) and SNS Group

Subsequently, SNS Bank made other acquisitions, including Regio Bank belonging to ING Bank for a significant amount of money. The bank was to be sanctioned due to non-compliance with its legal loan obligations. Therefore, the Dutch Government decided to nationalize it in 2013. Four years later, SNS Bank, together with its institutions, merged to create and give life to De Volksbank.

Swift Code

Swift code of the bank: SNSBNL2A


Moody’s, S&P, and Fitch agencies continuously assess the performance of banks.

SNS Bank has a rating of:

  • Moody’s = A3.
  • S&P = A-.
  • Fitch = A-.

A3 (Moody’s) = It has a medium-high quality, low credit risk, but with elements that suggest a susceptibility to long-term deterioration.

A- (S&P Global) = The economic situation could affect financing.

A- (Fitch) = It has a low risk of default and high solvency capacity.


Its base is in the city of Utrecht, Netherlands.


Access the official SNS Bank website:


It offers various services and products on retail, financial, and insurance banking to all the different people and companies in the country and also abroad.


Address: The address of the bank’s central office is at Croeselaan 1, 3521 BJ Utrecht.

Phone Number: +31 30 633 3000 (Customer service).

Email: [email protected]