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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.

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Case Studies

See what teams build with Crassula.

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.

1Capital 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
2Proof 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
3Two policymakers working from the Netherlands

Approval roles in the back office for both policymakers, with a log of every decision.

You
4Complete payer and payee details with each payment

Sender identity and address captured at onboarding and sent with each payment.

Shared
5Wwft risk assessment per corridor

Limits per corridor and client type, plus exports for your sanctions screening and transaction monitoring.

Your compliance officer
6DORA 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 InstantSEPA Credit TransferSWIFTInternal transfers
24/7real-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

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.
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 and payment institution licences explained.

Guides

Read the licence guides

Explore all guidesLicensing, payments, cards and core banking, explained by our team.
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.
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.
Money Transfer

Explore your launch market

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.

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Know what you payOne setup fee and a monthly plan with accounts and transactions included.See pricing → Start with the APIDocumented endpoints for accounts, payments, cards and customers.Explore the API →
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