Dutch customers pay for most things online with iDEAL and expect money to arrive at once. Your EMI app has to feel at home next to their bank app. We provide the branded front end, the accounts and the cards, and your team in the Netherlands runs the business.
Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections.
Read case study: Multipass
Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product.
Read case study: LuxPaySign-up, identity checks, IBAN and card in one mobile flow, with Dutch and English screens and your own terms per language.
Outgoing and incoming euro payments over SEPA Instant, with the payee name check result shown to the customer before they send.
Virtual cards issued on sign-up and turned into plastic on request, with limits and freezing in the app. You contract the issuer.
Accounts with several users and approval rules, for freelancers (zzp'ers) and small companies.
Vaults for setting money aside, kept as e-money and never presented as savings with interest.
Each requirement, what the platform gives you for it and who owns it after launch.
Back office roles for both policymakers, so decisions on customers, limits and incidents are made and logged in the Netherlands.
YouEditable app content, fee tables and notifications, so your team controls what customers see in each language.
You, with your lawyersA customer ledger that reconciles to the safeguarding account, with daily exports.
Your finance teamTwo-factor login and payment confirmation in web and mobile apps.
CrassulaOnboarding questionnaires by client type and identity checks through connected providers.
Your compliance officerArchitecture, hosting, subcontractors and exit terms for your ICT policy and register of information.
You, with our inputRails your customers can use
Dutch-licensed credit institution that provides operational and safeguarding accounts to e-money institutions licensed in the Netherlands, such as ZBD. You open the accounts directly with ClearBank Europe.
Crassula connects 60+ payment, banking and compliance integrations. We will check which ones fit your licence.
Explore all connectors →Rules that change what you have to build, in the order they apply.
The European Accessibility Act applies to consumer banking and e-money apps. Dutch customer apps launched or updated after this date must meet it.
Dutch EMIs that send euro credit transfers must offer verification of payee.
iDEAL started appearing as iDEAL | Wero. The iDEAL brand is due to be phased out by the end of 2027.
Customers of a Dutch EMI must be able to send and receive instant euro transfers.
PSD3 is expected to apply, bringing e-money under the payment institution licence.
DNB offers a pre-application meeting, and the AFM-DNB InnovationHub takes questions on new business models. Coming to either with a working app makes the conversation specific. We then write the technical parts of your application with you.
Talk to us about your applicationCrassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application.
A configured environment to show the regulator, not slides.
IT systems, customer authentication, ICT risk under DORA, outsourcing and continuity sections for your DNB application.
ClearBank Europe for operational and safeguarding accounts, plus KYC providers from our network, matched to your licence.
Consider a team building an account for freelancers in the Netherlands who want their income and tax reserve in one app. They meet DNB before filing and show a Dutch-language app with a business account, a pocket for VAT and a virtual card.
Safeguarding runs through a stichting derdengelden with accounts at a credit institution, which the team proves in the application. After the licence they launch with SEPA Instant and cards. Accepting iDEAL payments for their customers' clients is handled through an iDEAL acquirer they contract separately.
Background: the Netherlands DNB licence guide and EMI licensing in the EU.
The questions teams ask us before a first call.
Not covered here?Bring your question to a demo with our team.Tell us your licence and country. We will map the rails, providers and documents you need.
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