Enables issuance of electronic money and provision of payment services across the EU under passporting rules.
Regulated by De Nederlandsche Bank (DNB), known for clear procedures and strong fintech support.
Ideal for fintech startups, prepaid card issuers, neobanks, and digital wallet providers targeting the European market.
| Criteria | Details |
|---|---|
| Legal Form | Must be a Dutch-incorporated legal entity (e.g., B.V.) |
| Capital Requirement | Minimum EUR 350,000 paid-up capital |
| Directors | At least 2 fit and proper individuals, EU-resident preferred |
| AML/CTF Compliance | Robust AML policy, MLRO appointment |
| Business Plan | 3-year forecast with operational, risk, and compliance details |
| Local Presence | Registered office and real substance in the Netherlands |
| Governance | Organizational structure, internal control, IT systems, and reporting setup |
We offer comprehensive support for obtaining financial licenses across multiple regulatory categories, including asset management, fintech and payment institutions, securities dealing (forex brokerage), VASP/MiCA compliance, and fund administration. Our team assists with jurisdiction strategy, entity setup, regulatory documentation, and end-to-end compliance.
Whether you’re launching a new venture or expanding globally, we ensure a smooth and fully compliant licensing process. From initial planning to regulator engagement and post-license implementation, our expertise helps you navigate complex requirements with clarity and confidence.
Establish a Dutch legal entity, usually a B.V. (Besloten Vennootschap), and register with the Dutch Chamber of Commerce.
Draft a complete licensing package including business plan, AML policy, IT security plan, financial forecast, governance details, and outsourcing policies.
Deposit the minimum initial capital (EUR 350,000) in a Dutch bank account prior to submission.
Submit the application via DNB’s online portal along with all supporting documents.
Respond to any follow-up queries from DNB and submit clarifications or document updates if requested.
DNB assesses the application (usually within 13 weeks after completeness). You’ll be informed of approval or rejection.
Once approved, ensure systems and compliance teams are fully functional before launching services and leveraging EU passporting rights.
| Timeline | Fees |
|---|---|
| 4–6 months (depending on application quality and DNB processing) | Approx. EUR 6,800 (one-time DNB application fee) |
Contact our experts for a free consultation