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 on the market. A safe, innovative, reliable and responsible financial sector can contribute to sustainable prosperity in the Netherlands, which is what De Nederlandsche Bank (DNB) seeks to achieve.
Any party issuing electronic money in the Netherlands must either hold the appropriate authorisation issued by DNB or be excepted or exempted from the authorisation requirement. Electronic money institutions may start operations only after DNB has issued its authorisation or after it has entered the institution in the register as an exempt electronic money institution, unless it is exempted and does not need authorisation by law.
This section of Open Book on Supervision provides electronic money institutions with information about market access. You will also find explanatory notes to the concepts and statutory provisions that are relevant to market access and authorisation for parties providing electronic money.
If you are an innovative financial services or products provider, you can visit the InnovationHub, a joint initiative of supervisors DNB and the Authority for the Financial Markets (AFM), with any questions you may have about the applicability of rules and regulations.
The InnovationHub offers innovative entrepreneurs and incumbent market participants the opportunity to discuss regulatory issues directly with the relevant supervisory authority, irrespective of whether they are subject to supervision. The InnovationHub aims to facilitate innovation in the financial sector
Please feel free to contact us if you have any questions. 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.
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
Embedded finance offers customers the convenience of in-app payment options and on-the-spot insurance. This seamless integration of financial services, available exactly when and where they are needed, makes life simpler. But this innovation also entails new risks.
Read more Embedded finance: striking a balance between convenience and risk in the digital economy
On Tuesday 28th May from 3:00-4:45 PM CET DNB will organize an online information session about fit and proper assessments.
Read more Information session about fit and proper assessments DNB
Based on self-assessments and examinations, we have assessed how effectively banks and payment institutions are managing cyber risk. We observed three areas that currently need additional attention.
Read more How effectively do banks and payment institutions manage cyber risk?
