Trends and innovations

In shops, on the road or at home: wherever you are, you want to be able to make payments securely and efficiently. DNB actively promotes a secure and reliable payment system, now and in the future. That's why we keep a close eye on trends and innovations.

Quicker payments: from 5 days to 5 seconds

Making payments around Easter in 2013 could take up to five days. But in 2019 this can be done within five seconds - thanks to instant payments. With instant payments, the money is made available within seconds on the recipient's account, 24 hours a day, 365 days a year. This is even possible when the recipient has an account at a different bank. De Nederlandsche Bank has been working behind the scenes with the Dutch Payments Association and various banks for many years to achieve this. And now it is possible for customers of banks including ABN AMRO, ING, Rabobank and SNS Bank to make and receive these instant payments. Read more.


Paying by debit card is better for the environment

The impact of debit card payments on the environment is slightly lower than that of cash payments. A DNB study has revealed that a single debit card payment uses the same amount of energy as an 8-Watt energy-saving light bulb in ninety minutes. A cash payment uses slightly more energy, equalling two hours, and has more impact on the environment. The total environmental impact of debit card and cash payments is limited, however, as they account for just 0.015% of overall carbon emissions in the Dutch economy. Even so, the environmental impact could still be brought down. For example, all POS terminals could switch to renewable energy, and cash transport trucks running on fossil fuels could be replaced by hybrid trucks. Read more.

Pas munt en cash

ECB unveils new €100 and €200 banknotes

On Monday, 17 September 2018, the European Central Bank (ECB) unveiled the new €100 and €200 banknotes. The new banknotes are a different size to the old €100 and €200 notes. They now have the same height as the €50 banknote but their length remains unchanged. These new notes of the Europa series will enter into circulation on 28 May 2019. Just like the new €5, €10, €20 and €50, the banknotes incorporate new and innovative security features. Watch the banknote video.


The new way of paying: PSD2

The introduction of PSD2 offers you two new payment services:

  • payment initiation service. An example: when you are shopping online, you order a company to make a payment on your behalf.
  • account information service. An example: a company keeps a housekeeping book for you, an overview of all your bank accounts.

The introduction of PSD2 allows you to use new payment and information services

You decide yourself whether or not you wish to use either of these services. There is no obligation. If you want to use the new service from a particular company, you must give permission to access your bank account. PSD2 ensures that this access to your account is safe and secure. For instance, a company needs to have a licence from DNB (hyperlink). There are strict rules and regulations for the protection of data, transaction security and customers' privacy.