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.

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.

Mobile wallet

You can now also make payments using your smartphone at any point of sale that offers contactless payments – even abroad. To use your smartphone for making payments, you need a mobile wallet. Most banks have a special app for mobile payments. Take a look at our vlog for useful tips about making mobile payments.


We offer guidance for SMEs in their fight against cybercriminals. Examples of useful tips include using two-factor authentication and a password vault. The fight against cybercrime is also high on the agenda of the National Forum on the Payment System (NFPS). Read more about payment systems and cybersecurity for SMEs.

Gold vaults and banknote activities

DNB's banknote activities and gold vaults will be relocated from Amsterdam to Zeist. In 2022, a newly built Cash Centre will be opened at Camp New Amsterdam, a Ministry of Defence site in Zeist. The Cash Centre will be home to the following activities:

  • Sorting and distribution of euro banknotes
  • Vaults for gold, banknotes and coins
  • Research into sustainable banknote development and counterfeiting

We will provide regular updates on the building and relocation progress on our website here.