Multipass is a financial services provider offering global business accounts, multi-currency payments, and cross-border transaction solutions.
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Digital Banking
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Netherlands · EMI
Digital banking for e-money institutions licensed by DNB
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.
- Apps in Dutch, English and 15+ languages
- Instant euro transfers with a name check
- Cards and spending controls
- Back office for your Dutch policymakers
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What a Dutch EMI can offer its customers
A Dutch-language e-money account
Sign-up, identity checks, IBAN and card in one mobile flow, with Dutch and English screens and your own terms per language.
Instant transfers by default
Outgoing and incoming euro payments over SEPA Instant, with the payee name check result shown to the customer before they send.
Cards with controls in the app
Virtual cards issued on sign-up and turned into plastic on request, with limits and freezing in the app. You contract the issuer.
Shared and business accounts
Accounts with several users and approval rules, for freelancers (zzp'ers) and small companies.
Spending pockets
Vaults for setting money aside, kept as e-money and never presented as savings with interest.
What this licence does not cover
- Interest-bearing savings or deposits. E-money balances fall outside the Dutch deposit guarantee scheme.
- Consumer credit from customer funds.
- Acting as an iDEAL issuer without your own agreement through Currence. The platform does not run iDEAL itself.
What the regulator asks about your IT
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 input
Payment rails and providers
Rails your customers can use
SEPA InstantSEPA Credit TransferSWIFTCard paymentsInternal transfers
ClearBank Europe
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.
24/7
real-time processing, no batch window
60+
payment and provider integrations connected
150+
companies run on Crassula
15+
languages the platform speaks
Dates to plan around
Rules that change what you have to build, in the order they apply.
28 Jun 2025
The European Accessibility Act applies to consumer banking and e-money apps. Dutch customer apps launched or updated after this date must meet it.
9 Oct 2025
Dutch EMIs that send euro credit transfers must offer verification of payee.
Jan 2026
iDEAL started appearing as iDEAL | Wero. The iDEAL brand is due to be phased out by the end of 2027.
9 Apr 2027
Customers of a Dutch EMI must be able to send and receive instant euro transfers.
Around 2028
PSD3 is expected to apply, bringing e-money under the payment institution licence.
Applying to De Nederlandsche Bank for an EMI licence? Name us in your file.
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.
01
A platform you can demonstrate
A configured environment to show the regulator, not slides.
02
The technical part of your application, prepared
IT systems, customer authentication, ICT risk under DORA, outsourcing and continuity sections for your DNB application.
03
Providers lined up
ClearBank Europe for operational and safeguarding accounts, plus KYC providers from our network, matched to your licence.
Crassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application.
An Amsterdam launch, in practice
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.
Read the licence guides
FAQ
De Nederlandsche Bank grants the licence and supervises prudential matters. The AFM supervises conduct, such as information to customers, complaint handling and users' PSD2 rights.
DNB requires at least two policymakers who determine day-to-day policy and work from the Netherlands. It is about where they work, not a residence rule.
Very. iDEAL was used for 71% of Dutch online purchases in 2025 and is being co-branded as iDEAL | Wero. PIs and EMIs can become iDEAL issuers or acquirers through Currence. The platform does not process iDEAL, so plan it as a separate agreement.
Three months from a complete application, and the clock stops while DNB waits for answers to its questions. Preparing a complete file, safeguarding included, is what saves time.
EUR 350,000. You prove it with a deposit statement from a bank, which does not have to be Dutch.
That is your choice. ClearBank Europe, a Dutch credit institution, provides operational and safeguarding accounts to Dutch EMIs, and you contract with it directly.
