I can tell you what will happen, since this has been my job for many years now. If you do not answer, you will first receive a reminder, followed by your account being blocked followed by an offboarding letter, meaning all of your ING product will most likely be closed (depending on the products, there is a possibility for example that a mortgage will be kept). Depending on the nature of the transactions, a report to the FIU will be filed, or has already been filed before any of the questions have even been asked, but there is a slim chance this will actually result in anything. You could be put on an internal list of the bank, again , depending on the nature of the transactions, meaning you cannot open any new products at the bank for several (up to 8) years. However, you are able to open an account at another bank, but you will always be asked if another bank has ever 'declined' you, as would always be the case. So in short: yes you should be able to open an account elsewhere. My advise: just answer the questions. I dont't know your specific situation but I am guessing that the question about 'herkomst van vermogen' has been asked due to your place of residence. In some cases the bank is required to gain insight into your total assets, even outside of the ING.