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Netherlands Electronic Money Institutions

Neptune Fiduciaries helps fintech businesses obtain Electronic Money Institution (EMI) authorization in the Netherlands, where licensed institutions are regulated by De Nederlandsche Bank (DNB) and authorised to issue electronic money in exchange for funds used to make payments. A Dutch EMI licence covers a wide range of financial services, giving businesses the flexibility to build comprehensive payment solutions under a single authorization.

Electronic Money Issuance

Licensed EMIs can issue and manage electronic money, including gift cards, digital wallets, and prepaid payment instruments used for everyday transactions.

Payment Account Management

EMIs can operate payment accounts, allowing users to deposit and withdraw cash, make card payments, set up direct debits, and transfer funds seamlessly.

Merchant Services and Money Remittance

Licence holders can provide merchant acquiring services and enable cross-border money transfers, giving businesses and consumers access to international payment capabilities.

Payment Initiation and Account Information Services

EMIs can initiate payments directly from a user's bank account and provide consolidated account information services, subject to user consent.

License Application

Applying for an EMI licence in the Netherlands requires a thorough and well-prepared submission to De Nederlandsche Bank, covering all key aspects of your business operations and compliance framework. Neptune Fiduciaries manages the entire application process for you, ensuring every document and policy meets DNB's requirements before submission.

Business Plan and Financial Forecasts

Applicants must submit a detailed programme of operations, business plan, financial projections, and evidence of initial capital to demonstrate the viability of the business.

Governance and Compliance Framework

The application must include governance arrangements, risk management procedures, AML/CFT controls, and a clear organizational structure covering all key personnel.

IT Systems and Operational Presence

Businesses must provide details of their core and support IT systems and demonstrate a physical operational presence in the Netherlands, including a local office and locally based staff.

Safeguarding and Security Measures

Applicants must outline how client funds will be ring-fenced, along with procedures for handling security incidents, customer complaints, data protection, and business continuity.

With Neptune Fiduciaries guiding your application from preparation to submission, you can expect a smoother process within the standard DNB review timeline, and once authorized, your business can passport its EMI services across the entire European Economic Area without needing additional licences in each country.

Get in Touch

For further details, please contact Neptune Fiduciaries via email info@neptunecorporate.com or sales@neptunecorporate.com or visit our Contact Us page.

Launch Your Electronic
Money Business

We manage EMI licensing, structuring, and compliance so you can focus on scaling your payments platform. From initial authorisation to passporting and ongoing supervision, we handle the full regulatory lifecycle.

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