--- title: "Money Transfer Software for Dutch Payment Institutions" description: "Remittance and payout software for a DNB-licensed PI: SEPA Instant, SWIFT, FX price lists, batch payouts and help with the IT part of your DNB application." url: "https://crassula.io/solutions/money-transfer/netherlands-payment-institution/" lang: "en" image: "https://crassula.io/static/images/og/crassula-default.d7d01fb8a962.jpg" alternates: "en": "https://crassula.io/solutions/money-transfer/netherlands-payment-institution/" "de": "https://crassula.io/de/solutions/money-transfer/netherlands-payment-institution/" "es": "https://crassula.io/es/solutions/money-transfer/netherlands-payment-institution/" "fr": "https://crassula.io/fr/solutions/money-transfer/netherlands-payment-institution/" "x-default": "https://crassula.io/solutions/money-transfer/netherlands-payment-institution/" index: "https://crassula.io/llms.txt" --- Netherlands · Payment institution # Remittance software for payment institutions licensed in the Netherlands The Dutch small PI exemption does not cover money remittance, so a transfer business in the Netherlands needs a full DNB licence from the start. Build it on a platform that records each transfer from payment in to payout. [Request demo](https://crassula.io/request-demo/) [Money Transfer →](https://crassula.io/solutions/money-transfer/) Your market**Netherlands**Payment institution - Remittances and marketplace payouts - SEPA Instant and SWIFT corridors - FX margins in price lists - Batch payouts with four-eyes approval Rails your customers can use **SEPA Instant****SEPA Credit Transfer****SWIFT****Internal transfers** What the regulator asks about your IT**6** Case Studies ## See what teams build with Crassula. ![Paysend](https://crassula.io/static/images/solutions/cases/logo-paysend.1177d744fb9a.png) - SEPA Credit - SEPA Instant - SEPA Direct Debit Live on Crassula ### [SEPA connectivity for a global payments business.](https://crassula.io/cases/paysend/) A technical connector for SEPA Credit, SEPA Instant and SEPA Direct Debit, with back-office and ledger capabilities. [Read case study: Paysend](https://crassula.io/cases/paysend/) ![Multipass](https://crassula.io/static/images/solutions/cases/logo-multipass.7fb14a8eede7.png) - Multi-currency accounts - Cross-border payments - BaaS connections Live on Crassula ### [Custom financial products for global businesses.](https://crassula.io/cases/multipass/) Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections. [Read case study: Multipass](https://crassula.io/cases/multipass/) Money Transfer · Payment institution ## Transfer services a Dutch PI can run on the platform ### Remittances from the Netherlands Customers pay in by SEPA Instant and send to relatives abroad, with the rate and the amount received fixed at the moment they confirm. ### Marketplace and platform payouts Sellers and freelancers paid in bulk from a file or via API, each batch released after a second approver signs off. ### Corridor pricing FX spreads and fees per currency pair, corridor and client group, maintained in price lists. ### Recipient management Saved beneficiaries, BIC lookup and transfer templates for senders who pay the same people every month. ### What this licence does not cover - Money remittance under the small PI exemption. The exemption only covers payment services 1 to 5, in the Netherlands only. - Holding funds as e-money or prepaid balances. - Interest on balances waiting to be paid out. Your market ## What the regulator asks about your IT Each requirement, what the platform gives you for it and who owns it after launch. 1 Capital of EUR 20,000 for remittance, EUR 125,000 once you run payment accounts or execute transfers from them A description of each service the platform performs, so the services in your application match your capital. You, with your lawyers 2 Proof of safeguarding with the application: stichting derdengelden, segregated account or insurance Transfer-level records of funds in transit, exported for reconciliation with the safeguarding account. Your finance team 3 Two policymakers working from the Netherlands Approval roles in the back office for both policymakers, with a log of every decision. You 4 Complete payer and payee details with each payment Sender identity and address captured at onboarding and sent with each payment. Shared 5 Wwft risk assessment per corridor Limits per corridor and client type, plus exports for your sanctions screening and transaction monitoring. Your compliance officer 6 DORA register entries and outsourcing to Crassula Service description, subcontractors, audit rights and exit support for your register of information. You, with our input Netherlands ## Payment rails and providers Rails your customers can use SEPA Instant SEPA Credit Transfer SWIFT Internal transfers **24/7**real-time processing, no batch window **60+**payment and provider integrations connected **150+**companies run on Crassula **15+**languages the platform speaks Netherlands ## Dates to plan around Rules that change what you have to build, in the order they apply. 1. **17 Jan 2025** DORA applies to Dutch payment institutions, including the register of information on ICT providers. 2. **9 Oct 2025** Payment institutions in the Netherlands that send euro transfers must let payers check the payee's name first. 3. **9 Apr 2027** Dutch PIs must be reachable for instant euro payments and able to send them. 4. **10 Jul 2027** The EU Anti-Money Laundering Regulation applies on top of, and partly instead of, the Wwft. 5. **Around 2028** PSD3 is expected to apply. Licensed PIs will need to show DNB they meet the updated rules. Payment institution ## Applying to DNB for a payment institution licence? Name us in your file. DNB wants evidence of safeguarding with the application itself, either proof that the arrangement exists or a commitment letter from a bank. We help you show how the transfer platform feeds that arrangement and write the IT sections of the file. [Talk to us about your application](https://crassula.io/request-demo/) Crassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application. 1. 01 ### A platform you can demonstrate A configured environment to show the regulator, not slides. 2. 02 ### The technical part of your application, prepared Payment flows, IT security, ICT risk under DORA, outsourcing and continuity sections for your DNB file. 3. 03 ### Providers lined up Banking, safeguarding and KYC providers from our network, matched to your licence. ![A business traveller checking a phone before a journey.](https://crassula.io/static/images/features/people/global-1200.aed85c69e1b8.webp) Money Transfer ## A Rotterdam remittance service Suppose a team wants to serve Surinamese, Moroccan and Turkish communities in the Netherlands, many of whom send money to relatives each month. They apply to DNB for money remittance and payment accounts, set up a stichting derdengelden and show the platform's transfer flow in the pre-application meeting. Payments to relatives with euro accounts elsewhere in Europe go out instantly over SEPA. Transfers to Suriname, Morocco and Turkey run over SWIFT through a connected provider. Two policymakers in Rotterdam approve high-value transfers and review the daily reconciliation. Further reading: the [Netherlands DNB licence guide](https://crassula.io/guides/licenses/netherlands-dnb/) and [payment institution licences explained](https://crassula.io/guides/licenses/payment-institution/). Guides ## Read the licence guides ![Netherlands DNB EMI and PI License in 2026: The Complete Guide](https://crassula.io/static/images/guides/netherlands-dnb/dutch-windmill-preview-960.eae0d2c70150.jpg) ### [Netherlands DNB EMI and PI License in 2026: The Complete Guide](https://crassula.io/guides/licenses/netherlands-dnb/) ![Payment Institution (PI) License in 2026: The Complete Guide](https://crassula.io/static/images/guides/payment-institution/payment-arrow-preview-960.a0fe81e25515.jpg) ### [Payment Institution (PI) License in 2026: The Complete Guide](https://crassula.io/guides/licenses/payment-institution/) ![Small Payment Institution and Small EMI License in 2026](https://crassula.io/static/images/guides/small-pi-emi/small-emi-sapling-preview-960.3ac541bcb4b0.jpg) ### [Small Payment Institution and Small EMI License in 2026](https://crassula.io/guides/licenses/small-pi-emi/) ![The Money Transfer Industry in 2026: Models, Players and How to Launch](https://crassula.io/static/images/guides/what-is-money-transfer/money-transfer-globe-preview-960.9c269560724b.jpg) ### [The Money Transfer Industry in 2026: Models, Players and How to Launch](https://crassula.io/solutions/money-transfer/guides/what-is-money-transfer/) [**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/) Netherlands · Payment institution ## FAQ The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) Can we start under the Dutch small PI exemption? Not for remittance. The exemption covers payment services 1 to 5 up to EUR 3 million a month, in the Netherlands only, and requires registration with DNB. Money remittance needs a licence. What is a stichting derdengelden? A separate foundation that holds customer funds apart from the payment institution. It is one of the safeguarding methods DNB accepts, next to a segregated account and insurance or a guarantee. Who supervises us besides DNB? The AFM supervises conduct towards customers, and the ACM deals with access to payment systems. DNB handles the licence and prudential supervision. Do we need a Dutch bank to prove our capital? No. You show the capital with a deposit statement from a bank, and it does not have to be a Dutch one. Which corridors are possible? Euro corridors run over SEPA and SEPA Instant. Non-euro payouts use SWIFT via a connected provider. Which countries you serve follows from your Wwft risk assessment. Netherlands · Payment institution ## Transfer services a Dutch PI can run on the platform Tell us your licence and country. We will map the rails, providers and documents you need. [Request demo](https://crassula.io/request-demo/) [**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/) [**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)