Dutch consumers and the economy as a whole stand to benefit from a varied range of financial products and services, which is why we welcome new and innovative parties to the market. A safe, innovative, reliable and responsible financial sector can contribute towards sustainable prosperity in the Netherlands, which is what De Nederlandsche Bank (DNB) seeks to achieve.
Any party wanting to pursue the business of a bank in the Netherlands must hold the appropriate licence from the European Central Bank (ECB). If your bank has its registered office in the Netherlands, you must apply to DNB for a licence. A bank may not start operations until it has been issued a licence, unless it is exempted and does not need a licence by law.
This section of Open Book on Supervision provides with information about market access for aspiring banks. You will also find explanatory notes to the concepts and statutory provisions that are relevant to market access and a licence for parties engaging in bank activities.
If you are an innovative financial services or products provider, you can visit the InnovationHub, a joint initiative of supervisors DNB and the Netherlands Authority for the Financial Markets (AFM), with any questions you may have about the applicability of rules and regulations. The InnovationHub offers innovative businesses and incumbent market participants the opportunity to discuss regulatory issues directly with the relevant supervisory authority, irrespective of whether they are subject to supervision. It aims to facilitate innovation in the financial sector.
With questions you can always contact us. You can reach us in several ways:
De Nederlandsche Bank NV
Expert Centre on Market Access
PO Box 98
1000 AB Amsterdam
DNB Information Desk, open on business days between 9:00 am and 5:00 pm (0800 020 10 68 in the Netherlands, or +31 20 524 91 11 if calling from abroad).
info@dnb.nl (please state your name, address and telephone number)
We will not consider anonymous questions.
DNB has reviewed the identification and buffer requirements for systemically important banks and maintains the current requirements.
Read more DNB maintains buffers for systemically important banks
On Tuesday 5th November from 3:00-4:45 PM CET DNB will organize a physical information session about fit and proper assessments.
Read more Information session about fit and proper assessments DNB
On 30 September 2024, DNB published the amendments to the two policy rules for the deposit guarantee scheme (DGS). These amendments were publicly consulted in June 2024.
Read more Adoption of the 2024 amendments to the Policy Rules for the Deposit Guarantee Scheme
As at 30 June 2024, Dutch households held some €15 billion in bank deposits in other euro area countries, the latest figures from DNB and the European Central Bank (ECB) show. This means foreign savings keep growing.
Read more Dutch households see foreign bank deposits double in two years
