we have multiple trading names do I have to report all of them at onboarding

Yes, all trade names are part of the company's identity

During onboarding, the bank usually asks for all trade names, not just the statutory name. This makes sense: the bank must be able to identify the company fully, and a second or third trade name is part of that. This falls under the same question as the legal name of the company — the trade names are an addition to it, not a replacement. If you enter only one trade name when several are registered, this usually raises a query from the bank, because it does not match the extract.

The supporting document for this is the extract from the Trade Register of the Chamber of Commerce. It lists all trade names registered with the registration number of the company, including branch offices that operate under a different name. If you have multiple locations, each operating under its own name, then the answer to this question is often linked to the question about the countries where the company has establishments: the bank wants to know which name applies to which location. If a trade name is missing from the extract while you are using it, the first step is to contact the Chamber of Commerce, not to add it yourself in the bank form.

Where this comes from: the Trade Register

Article 5 of the Trade Register Act 2007 requires companies to register all trade names under which they operate in the Trade Register. Banks use this register as the primary source during customer due diligence in onboarding, and verify the information provided against it. If a trade name is not in the register, it does not count as an existing trade name for the bank as a rule.