The Common Carder Bumblebee (Bombus pascuorum) is present in most of Europe.
Northern species usually have a reddish-brown thorax (like on the photos).
Southern species sometimes have a more yellowish thorax.
The side of the thorax usually has light gray to white hair.
The hair of the first four abdominal segments are gray in color, while the hair of the fifth and sixth segments are yellowish or reddish-brown in color
The snout is long compared to other species of bumblebee.
As in all bumblebee species, the males can be distinguished from the females (worker bees) by their longer antennae.
The Common Carder Bee can easily be confused with the very similar looking, however more rare, Moss Carder Bee (Bombus muscorum) and the Brown-banded Carder Bee (Bombus humilis).
However, the Common Carder Bee has black hairs on the abdomen, unlike these two species.

1st & 2nd photo: 's Graveland, The Netherlands, 31 August 2011
3rd photo: 's Graveland, The Netherlands, 11 July 2011
4th & 5th photo: In my yard, Hilversum, The Netherlands, 4 September 2020