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Netherlands Payment Institutions License

Electronic Money Services Business

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Netherlands Payment Institutions

Neptune Fiduciaries assists businesses in obtaining Payment Institution (PI) authorization in the Netherlands, where payment service providers are regulated by De Nederlandsche Bank (DNB) under the Financial Supervision Act (Wft). A Dutch Payment Institution licence allows businesses to act as an intermediary between consumers making payments and retailers accepting them, covering a wide range of regulated payment services under a single authorization.

Payment Account Services

Licensed payment institutions can offer cash placement and withdrawal services on payment accounts, along with all related account management and operational requirements.

Payment Transaction Execution

Authorized institutions can process payment transactions, including fund transfers between accounts held with the same or different payment service providers, including credit-covered transactions.

Payment Instrument Issuance and Acquiring

Licence holders can issue and acquire payment instruments, provide money remittance services, and facilitate cross-border fund transfers for consumers and businesses.

Payment Initiation and Account Information Services

Following PSD2 implementation, licensed institutions can initiate payments directly from user bank accounts and provide consolidated account information services, subject to user consent.

Licensing Procedure

Obtaining a Payment Institution licence in the Netherlands requires meeting a clear set of regulatory criteria set by De Nederlandsche Bank, covering governance, financial integrity, and operational standards. Neptune Fiduciaries manages the full application process for you, ensuring every requirement is properly addressed before submission to DNB.

Reliability and Suitability Assessment

DNB evaluates the reliability and suitability of the institution's policy makers and day-to-day management, ensuring they meet fit and proper standards.

Governance and Operational Integrity

The business must demonstrate controlled governance arrangements, operational integrity, and a clear structure for managing and safeguarding client funds.

Capital and Solvency Requirements

Applicants must meet minimum equity and solvency requirements and obtain a No Objection certificate as part of the authorization process.

Application Fees

A one-off application fee of EUR 6,800 is charged by DNB upon submission, along with an annual supervision fee payable each year once the institution is authorized.

With Neptune Fiduciaries handling your application and ongoing compliance requirements, setting up a Payment Institution in the Netherlands becomes a smooth and well-managed process from start to finish.

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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