Naar Repaying your debt

Repaying your student loan

Repaying from abroad or the Dutch Caribbean

If you have a student loan and live outside the Netherlands, you can make repayments in various ways.

  • If you live in an EU/EEA country, you can pay by direct debit.
  • If you do not live in an EU/EEA country, you must pay your monthly instalments by manual bank transfer. To avoid additional costs, you can opt to pay annually.
  • If you live in the Dutch Caribbean, you can opt for local repayment.

Direct debit

Only if you live in an EU/EEA country can you have your monthly instalments debited from a non-Dutch bank account.

The account must be held in an EU/EEA country and your bank must support direct debits from the Netherlands. Check this with your bank before changing your payment method.

Set up a direct debit

To set up a direct debit, log into Mijn DUO.

Log in to Mijn DUOwith DigiD

Proxy payments

You can also arrange a direct debit from the account of someone you have authorised to make payments on your behalf (a proxy). To do this, use the form Machtiging.

Manual bank transfer

AIf you do not live in an EU/EEA country, you must pay your monthly instalments by manual bank transfer. We send you a request for payment each month.

To avoid excessive bank charges, you can also opt to pay annually. You pay 1 lump sum at the end of year, covering all 12 monthly instalments. In this case you receive a request for payment in October and you have until 31 December to transfer the money.

Request annual payments

If you want to pay annually, you can apply using the form Wijziging terugbetalen studieschuld. Until your application is processed, you must continue to transfer your instalments on a monthly basis.

DUO account number

If you make a manual bank transfer, use the following account details:

IBAN: NL45 INGB 0705 0019 03
BIC: INGB NL2A
Account owner/beneficiary: Dienst Uitvoering Onderwijs, Groningen, The Netherlands.
Under ‘Description’ (or equivalent), enter your Dutch Citizen Service Number (Burgerservicenummer, BSN) with the extension ‘ILS’. For example: 123466789ILS. This extension ensures the correct processing of your payment.

Your bank may also ask for the name and address of the receiving/beneficiary bank. That is:

ING Bank NV
Bijlmerplein 888
1102 MG Amsterdam Zuidoost
The Netherlands

Local repayment in the Dutch Caribbean

If you live in the Dutch Caribbean, you can register to make local repayments. You then pay into a local account in your own currency. This is cheaper than transferring funds to an account in the Netherlands.

How does local repayment work?

Register

You can no longer register for local repayment in 2019.

To register for 2020, complete the form below and submit it no later than 15 December 2019.

If you are already making local repayments, you do not need to take any further action. Your registration will be automatically extended to 2020.

10 instalments

If you make local repayments, you pay 10 instalments a year. At the beginning of February we send you an e-mail stating how much you have to pay each time, in euros and in your own currency, plus details of how to transfer the money.

Your first instalment must be received no later than 28 February of that year, and the other 9 by the last day of each subsequent month.

If you do not pay on time

If we have not received your full annual repayment by 30 November, the option to repay locally is terminated. From then on you must then transfer your monthly instalments to DUO’s bank account in the Netherlands.

Exchange rates and monthly instalments

We calculate your monthly instalment in your local currency in advance using an estimated exchange rate provided by the Netherlands Bureau for Economic Policy Analysis (CPB). However, each actual payment is converted into euros at the current exchange rate published by De Nederlandsche Bank.

Because these estimated and actual rates can differ, at the end of the year you may have paid too little (if your local currency has fallen in value against the euro) or too much (if it has risen in value). These differences are offset against your remaining debt. If you have underpaid, it increases; if you have overpaid, it decreases.

Arrears or bailiff

You cannot transfer overdue instalments or other arrears, including amounts referred to bailiffs or collection agencies, to the local payment account as we are unable to process them.

Email address required

You can only arrange local repayment if you have an active email address. We send you important notifications by email, so please make sure that we have your current address and that our messages do not end up in your spam box. You also receive letters by post with amounts in euros. They are generated automatically.

Contact

To contact us from abroad, see the options listed on our contactpagina.

If you live in the Dutch Caribbean, you can also submit queries via Facebook, or email us at antillen@duo.nl.   .

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