Àwọn ààyè-iṣẹ́

Netherlands Antilles

The Netherlands is a large euro-area banking and payments market with a strong fintech and payment-institution sector centred on Amsterdam. Prudential supervision sits with De Nederlandsche Bank (and the ECB for banks) while the AFM supervises conduct, investment companies and crypto-asset service providers.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes6

Awọn owo-ìwọ̀nÌwọ̀n

Àwọn ìṣàmúlò-ètòAAA

Awọn idibo to n bọtòjú 2030

The Netherlands is not on the FATF gray or black lists (plenary of 19 June 2026); as an EU Member State it is outside the scope of the EU high-risk third-country list (Delegated Reg. 2016/1675, consolidated 29 January 2026) and the EU tax list (Annex I, updated 17 February 2026). Checked 7 October 2026.

Ìjọba àti ìṣàlàyé

Gomina: Àwọn Ìjọba Alábòójútó
Àwọn Ìṣàmúlò-ètò: Willem-Alexander · nípà àwọn oṣú kọkanlà 2013
Prime Minister: Rob Jetten (Democratics 66 (D66))
Àwọn ààyè-iṣẹ́: Democratics 66 (D66), People's Party fun Igbagbọ ati Demokarasi (VVD), Christian Democratic Appeal (CDA)
Awọn idibo to kẹhin: Gbogbogbo idibo (House of Representatives), 29 October 2025
Awọn idibo to n bọ: Gbogbogbo idibo (House of Representatives), ti o yẹ nipasẹ 2030. Jetten n ṣakoso ẹgbẹ kan ti o ni 66 ninu 150 awọn agọ; The Hague jẹ́ ibi tí ijọba bà wa.
Àwọn Ìṣàmúlò-ètò: State General: House of Representatives (150 seats) ati Senate (75 seats)
Siséèsì Ìjọba: Àwọn Ìjọba Aṣàfilọ́lẹ̀

Economics and finance

Awọn eniyan: 18.1m (2025)
Ìjánu-ìsún: USD 1.3tn (2025)
GDP fun ẹni kọọkan: USD 73,833 (2025)
Awọn owo-ìwọ̀n: Euro (EUR), euro (tí a bà kọ̀ǹpútà lọ, tí a fọwọ́sì láti inú ECB bí àwọn ààyè-iṣẹ́ Eurosystem)
Central Bank of Nigeria: De Nederlandsche Bank (awọn apakan ti Eurosystem)
Àwọn ìṣàmúlò-ètò: S&P AAA (iduroṣinṣin) · Moody's Aaa (iduroṣinṣin) · Fitch AAA (iduroṣinṣin) (bi o ti January 2026)

A iṣowo ati logistics hub ti a ṣe ni ayika ibudo Rotterdam, pẹlu awọn agbegbe imọ-ẹrọ giga to lagbara, ounjẹ ilera ati iṣẹ; Amsterdam jẹ aaye pataki fun iṣowo awọn ohun-ini aabo, awọn ohun-ini ifowopamọ pensheni ati awọn ipilẹ ile-iṣẹ holding.

Àwọn Irinṣẹ́

Licence to pursue the business of a bank

Awọn ohun-ini ti o kere juUSD 5.6m

AgbègbèDNB: àwọn aago ìṣàfarawe-ìgbà tí a fi gbọ́dọ̀ kọ̀ǹpútà lọ́wọ́lọ́wọ́ nínú àwọn ọsẹ 26 láti inú ìṣàmúlò-ètò fọọ́sì; lè gba igba pipẹ jú tí fáìlì náà bá jẹ́ kò kù

Awọn Iṣẹ́ECB, pẹlú ìṣàmúlò-ètò tí DNB n ṣakoso

5 milionu Euro owo ti ara ẹni fun banki kan (Bpr art. 48(1)(a)); 2.5 milionu Euro fun banki ti o nfun iṣẹ idoko-owo ni akọkọ (art. 48(1)(b))

Àwọn Ìṣẹ́: Wet op het financieel toezicht (Wft) art. 3:53 (minimum own funds); Besluit prudentiële regels Wft art. 48(1)(a); Regulation (EU) No 1024/2013 art. 14
Àwọn Irinṣẹ́: DNB gba owo-ori ohun elo kan ti a fi sori ẹrọ ni ofin lori ifowopamọ ti iṣakoso owo-owo ti awọn iṣẹ-ṣiṣe kan (Dutch nikan); iye ko si sọ lori oju opo wẹẹbu DNB
Ìfihàn: Ya: EU passport under CRD (Arts. 33 to 39) for branches and cross-border services

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ojú-iṣẹ́ tí a fi pamọ́ nínú Netherlands
Awọn igbesẹ akọkọ ti ko ni itumọ pẹlu DNB (aṣayan iṣowo ati ohun elo atẹwe) ṣaaju fifiranṣẹ deede
Awọn adari ti o tọ ati ti o yẹ, ati awọn oludokoowo to dara
Awọn iṣẹ-iṣe ti o dahun si awọn ohun-ini ti a nilo, iṣakoso ati iṣakoso ibajẹ

Sources(7)

DNB: Licence as a bank (overview) · checked 2026-10-07
DNB: Bank licence application process (12 steps), 26-week statutory period · checked 2026-10-07
DNB: Bank licence application fees · checked 2026-10-07
wetten.overheid.nl: Besluit prudentiële regels Wft (BWBR0020420), art. 48 minimum own funds · checked 2026-10-07
wetten.overheid.nl: Wet op het financieel toezicht (BWBR0020368), art. 3:53 · checked 2026-10-07
ECB Banking Supervision: Authorisation (licensing) · checked 2026-10-07
EUR-Lex: Directive 2013/36/EU (CRD), Art. 12 initial capital and Art. 15 decision deadline (consolidated) · checked 2026-10-07

E-owo ile-iṣẹ

Àwọn ààyè-iṣẹ́ ẹ̀yàn-ẹ̀yàn

Awọn ohun-ini ti o kere juUSD 392k

AgbègbèPSD2/EMD2 àwọn oṣu 3 tí a bà yan láti inú ìṣàmúlò-ètò tó kù; DNB kọ́ pé o lè fẹ́ jú oṣù mẹ́tà lọ́wọ́lọ́wọ́ lọ́wọ́lọ́wọ́ tí ìròyìn náà kò bá jẹ́ nípa

Awọn Iṣẹ́DNB

EUR 350,000 owo-ori ti ara ẹni to kere julọ (Bpr art. 48(1)(n)); owo-ori ti ara ẹni ti o wa lọwọlọwọ ti o kere ju 2% ti owo e-owo ti o wa titi (EMD2 art. 5)

Àwọn Ìṣẹ́: Wft (licensing requirement for issuing e-money) and art. 3:53; Bpr art. 48(1)(n)
Àwọn Irinṣẹ́: DNB gba owo-ori ohun elo kan ti a fi sori ẹrọ ni ofin lori ifowopamọ ti iṣakoso owo-owo ti awọn iṣẹ-ṣiṣe kan (Dutch nikan); iye ko si sọ lori oju opo wẹẹbu DNB
Ìfihàn: Ya: EU passport ààyè-iṣẹ́ lórí EMD2/PSD2 nínú ìjọba, awáròyìn, oníjádè tàbí ìṣẹ̀dá iṣẹ́ ọ̀fẹ́

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìsẹ́ ìṣàmúlò-ètò DNB àwọn igbese kọ̀ǹpútà mẹ́tà lórí fọọ́mù ìṣàmúlò-ètò DNB
Awọn ayẹwo ti o tọ ati to dara fun awọn aṣofin
Ìgbàyélú àwọn ẹ̀yàn tí a gba fun owó e-
Ìṣàmúlò-ètò àti àwọn iṣẹ́ ile-iṣẹ́ tí a fọwọ́sì àti AML/CFT àgbèkalẹ̀

Sources(4)

DNB: Authorisation as an electronic money institution (overview) · checked 2026-10-07
DNB: EMI application process (10 steps) · checked 2026-10-07
wetten.overheid.nl: Besluit prudentiële regels Wft (BWBR0020420), art. 48 minimum own funds · checked 2026-10-07
EUR-Lex: Directive 2009/110/EC (EMD2), Art. 4 initial capital and Art. 5 own funds · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Lisensi ile-iṣẹ isanwo

Awọn ohun-ini ti o kere juUSD 140k

AgbègbèPSD2 Art. 12: àwọn ìṣàmúlò-ètò tí a fi kọ̀ǹpútà pamọ́ lórí oṣù 3

Awọn Iṣẹ́DNB

EUR 125,000 fun awọn iṣẹ isanwo 1 si 5; EUR 50,000 fun ibẹrẹ isanwo nikan; EUR 20,000 fun gbigbe owo nikan (Bpr art. 48(1)(j) to (l))

Àwọn Ìṣẹ́: Wft (licensing requirement for payment service providers, implementing PSD2) and art. 3:53; Bpr art. 48(1)(j) to (l)
Àwọn Irinṣẹ́: DNB gba owo-ori ohun elo kan ti a fi sori ẹrọ ni ofin lori ifowopamọ ti iṣakoso owo-owo ti awọn iṣẹ-ṣiṣe kan (Dutch nikan); iye ko si sọ lori oju opo wẹẹbu DNB
Ìfihàn: Ya: EU passport under PSD2 Art. 28 (branch, agent or free provision of services)

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ṣé lè bẹrẹ àwọn ìṣàmúlò-ètò nígbà tí DNB bá fi láìsì náà pamọ́ tàbí láti kọ̀ǹpútà rẹ̀ bí àwọn ààyè-iṣẹ́
Ìsẹ́ ìṣàmúlò-ètò DNB àwọn igbese kọ̀ǹpútà mẹ́tà lórí fọọ́mù ìṣàmúlò-ètò DNB
Awọn oludari eto-ọrọ to dara ati aabo awọn owo-ori alabara
Àwọn ìṣàmúlò-ètò àìfihàn tí wa fún ààyè-iṣẹ́ tó kù nínú DNB

Sources(3)

DNB: Licensing requirement for payment service providers (overview) · checked 2026-10-07
wetten.overheid.nl: Besluit prudentiële regels Wft (BWBR0020420), art. 48 minimum own funds · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Ààyè-iṣẹ́ ìgbàdálẹ̀ àwọn àyọkà ìṣàfihàn (CASP) láti inú MiCA

Awọn ohun-ini ti o kere juUSD 56k

AgbègbèMiCA Àkọlé àwòrán 63: àwọn ọjọ́ iṣẹ́ 25 láti ṣàyẹwo ìparí iṣẹ́, kí àwọn ọjọ́ iṣẹ́ 40 láti yá àwọn ìṣàmúlò-ètò tí a fi kọ́ nípa (aago lè gba padà sípò fún àwọn ibeeré ìròyìn)

Awọn Iṣẹ́AFM

MiCA Art. 67 ati Annex IV: EUR 50,000 (klasọ 1: igbimọ-iṣe, fipamọ, awọn iṣẹ gbigbe, gbigba ati ifijiṣẹ, imọran, iṣakoso porfolio), EUR 125,000 (klasọ 2: ṣafikun aabo ati iṣakoso, ati paṣipaarọ fun awọn owo-ori tabi awọn crypto-assets miiran), EUR 150,000 (klasọ 3: ṣafikun ṣiṣẹda oju opo wẹẹbu iṣowo); tabi idaji kan ti ọdun to kẹhin ti a ṣe deede ti o ba ga julọ

Àwọn Ìṣẹ́: Regulation (EU) 2023/1114 (MiCA), arts. 59 to 63
Ìfihàn: Ya: MiCA ìgbàjójútó lè jẹ́ àgbèkalẹ̀ nínú EU/EEA láti inú ìṣàfihàn (MiCA Àwọn Ìwé-ẹ̀yàn. 65)

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ofiisi ti a fọwọsi nile-ẹ̀yàn, ibi ti o kere ju àwọn iṣẹ́ kan wa nibẹ̀, ibi ti o dara ju fun idari nile-ẹ̀yàn ati pe o kere ju oludasile kan wa nile-ẹ̀yàn (MiCA Akọsilẹ 59(2))
Awọn adari ti o tọ ati ti o yẹ, ati awọn oludokoowo to dara
Igbàdálẹ̀ atí ifaramọ́ tí a bá fi pamọ́ nípa àwọn ẹ̀yàn àtí owó, ìṣàfilọ́lẹ̀ àjọṣepọ̀, ààyè-ìṣẹ́
AML/CFT framework ati ifaramọ si Iyipada ti Awọn owo-ori (EU) 2023/1113 irin ajo ofin
AFM n ṣakoso CASP awọn ohun elo (art. 63) ati awọn ifiranṣẹ lati awọn ile-iṣẹ owo miiran (art. 60); AFM ṣe atẹjade eto igbesẹ-ni-igbesẹ MiCAR ati awọn fọọmu

Sources(3)

AFM: Crypto companies (MiCAR licensing and notifications) · checked 2026-10-07
EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Arts. 63, 67, 143 and Annex IV · checked 2026-10-07
ESMA: List of grandfathering periods decided by Member States under Article 143(3) MiCA (version of May 2026) · checked 2026-10-07

Firma idoko-owo

Ààyè-iṣẹ́ ile-iṣẹ́ ifowopamọ (MiFID II)

Awọn ohun-ini ti o kere juUSD 84k

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́AFM (awọn iwadi ti a ṣe nipasẹ DNB)

Bpr art. 48: EUR 75,000 fun awọn ile-iṣẹ ti ko ni ibaraẹnisọrọ lori akọọlẹ wọn ati pe o nfun awọn iṣẹ to kere ju; EUR 150,000 fun awọn ile-iṣẹ idoko-owo miiran; EUR 750,000 fun ibaraẹnisọrọ lori akọọlẹ wọn tabi iforukọsilẹ pẹlu adehun ile-iṣẹ

Àwọn Ìṣẹ́: Wft art. 2:96 and art. 3:53; Bpr art. 48(1)(f) to (i); Regulation (EU) 2019/2033 (IFR)
Ìfihàn: Ya: MiFID II paṣipaarọ (Arts. 34 ati 35) fun iṣẹ́ àti àwọn ẹ̀yàn

Àwọn ìṣàmúlò-ètò Bọ́tìnì

License lati AFM ṣaaju ki o to pese iṣẹ idoko-owo
Awọn owo-ori ara ẹni ti n lọ lọwọ ati awọn owo-iworo labẹ IFR
Awọn olori igbimọ aṣofin ti o tọ ati to dara
Awọn ilana iṣẹ, ifihan ati awọn ofin ti o yẹ lati ṣe akiyesi labẹ Wft

Sources(4)

AFM: Investment firms · checked 2026-10-07
wetten.overheid.nl: Besluit prudentiële regels Wft (BWBR0020420), art. 48 minimum own funds · checked 2026-10-07
wetten.overheid.nl: Wet op het financieel toezicht (BWBR0020368), art. 3:53 · checked 2026-10-07
EUR-Lex: Directive (EU) 2019/2034 (IFD), Art. 9 initial capital · checked 2026-10-07

Olùgbéejáde ere-idaraya nípa intanẹẹti

Àwọn ààyè-iṣẹ́ fún ìṣàfarawe-ètò àwọn ere tí a bá fẹ́ (áyè-iṣẹ́ Koa)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèKSA: akoko ipinnu ofin oṣu 6 fun ohun elo ti o pari; ti da duro titi ẹniti o n beere fun alaye yoo fi ṣe afikun

Awọn Iṣẹ́Àwọn Ìṣàmúlò-ètò

Àwọn Ìṣẹ́: Wet op de kansspelen art. 31a (Remote Gambling Act / Wet Koa amendments) and arts. 31b to 31g
Àwọn Irinṣẹ́: Àwọn ẹ̀yàn ìṣàmúlò-ètò (leges) tí a fi pamọ́ lórí àgbèkalẹ̀ (Wok art. 31e); iye tí a kò bá jẹ́. KSA tun fẹ́ igbẹkẹle owo-iworo (zekerheidsstelling) ti EUR 50,000 lati gbogbo ẹnití o nṣe ohun-ini (Beleidsregels vergunning Koa art. 8.1(4)
Ìfihàn: Kò: líǹkì Dutch náà ní orilẹ̀de; líǹkì tí a fi pamọ́ fún àwọn ìgbà tí kò lè gbè

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ti o ni iwe-aṣẹ yẹ ki o ni ile-iṣẹ wọn ti a fọwọsi, iṣakoso agbegbe tabi aaye iṣowo akọkọ ni EU tabi EEA (Wok art. 31g)
Awọn fọọmu ofin ti NV, BV tabi SE (ẹya. 31g(2)) ati igbẹkẹle lori ẹtọ-ọba ati ẹtọ-ọba ti o dara julọ
Àtòjútó fún ààyè-iṣẹ́ ìṣàfihàn ara-ẹni Cruks àti ààyè-iṣẹ́ iṣakoso (CDB)
Ìṣàmúlò-ètò àwọn ere-ìṣàfihàn tí a fọwọ́sì

Sources(3)

Kansspelautoriteit: Vergunning online kansspel aanbieden · checked 2026-10-07
Kansspelautoriteit: Vraag en antwoord vergunning online kansspelen · checked 2026-10-07
wetten.overheid.nl: Wet op de kansspelen (BWBR0002469), arts. 31a to 31g · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

De Nederlandsche Bank (DNB) · wébùòdùBanks, E-money institutions, Payment service providers
Autoriteit Financiële Markten (AFM) · websiteInvestment firms, Virtual asset service providers (VASPs)
Bankí Ààyè-iṣẹ́ Europe (Mekanismò Iṣẹ́ Aṣàfilọ́lẹ̀) (ECB) · wé-ìwé-ìtànIle-ifowopamọ
Kansspelautoriteit (Netherlands Gambling Authority) (KSA) · websiteOnline gaming

MiCA: Netherlands ti fi àwọn oṣu 6 lórí ìgbà ìṣàfilọ́lẹ̀ fún àwọn olupese iṣẹ́ kọ́òdù, tí ó kù ní ọjọ́ 30 Oṣù Kejìlá 2025 gẹ́gẹ́ bí àtòjọ ESMA àwọn oṣù ìgbàgbọ́; ojú-ìwé AFM tí a ti ṣí kò sọ̀rọ̀ ní ọjọ́ náà. Ààyè-iṣẹ́ ere-idaraya inú Intanẹ́ẹ̀lì ń fojúbá àwọn ere kásínò lórí awáròyìn, àwọn ere kásínò peer-to-peer gẹgẹbi pokè, àwòrán ere-idaraya àti àwòrán ẹrankò. Ìgbà ìṣẹ̀dà líǹsì Koa jẹ́ àwọn àwọn ìṣàfilọ́lẹ̀ kejì láti pà. DNB àti KSA àwọn iye owó ìṣàfilọ́lẹ̀ kò ní pà.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Ààyè-iṣẹ́ Netherlands

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: State sovereign (constituent country of the Kingdom of the Netherlands)
Ọ̀kọ̀ọ̀kan: AmsterdamAmsterdam
Agbègbè: 41,543 km²
Awọn ede Ofin: Dutch, West Frisian (in Friesland)
Zone Time: UTC+01:00 (UTC+02:00 nínú igba otutu); ààyè-iṣẹ́; Caribbean Netherlands lo UTC-04:00

Àwọn àgbéwọlé ìṣàfihàn

petroleum ti a ṣe atunṣe
Àwọn àgbéwọlé
ọ̀kan
petroleum ti ko ni ibajẹ
àwọn ohun-ìṣeré ifihan

Àwọn ìṣàfihàn ààyè-iṣẹ́

Germany
Belgium(Belgium)
French
Ìtaláànì
United States

Sources for the country information(8)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(25)

DNB: Licence as a bank (overview) · checked 2026-10-07
DNB: Bank licence application process (12 steps), 26-week statutory period · checked 2026-10-07
DNB: Bank licence application fees · checked 2026-10-07
DNB: Licensing requirement for payment service providers (overview) · checked 2026-10-07
DNB: Authorisation as an electronic money institution (overview) · checked 2026-10-07
DNB: EMI application process (10 steps) · checked 2026-10-07
wetten.overheid.nl: Besluit prudentiële regels Wft (BWBR0020420), art. 48 minimum own funds · checked 2026-10-07
wetten.overheid.nl: Wet op het financieel toezicht (BWBR0020368), art. 3:53 · checked 2026-10-07
AFM: Crypto companies (MiCAR licensing and notifications) · checked 2026-10-07
AFM: Investment firms · checked 2026-10-07
Kansspelautoriteit: Vergunning online kansspel aanbieden · checked 2026-10-07
Kansspelautoriteit: Vraag en antwoord vergunning online kansspelen · checked 2026-10-07
wetten.overheid.nl: Wet op de kansspelen (BWBR0002469), arts. 31a to 31g · checked 2026-10-07
ECB Banking Supervision: Authorisation (licensing) · checked 2026-10-07
EUR-Lex: Directive 2013/36/EU (CRD), Art. 12 initial capital and Art. 15 decision deadline (consolidated) · checked 2026-10-07
EUR-Lex: Directive 2009/110/EC (EMD2), Art. 4 initial capital and Art. 5 own funds · checked 2026-10-07
EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07
EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Arts. 63, 67, 143 and Annex IV · checked 2026-10-07
EUR-Lex: Directive (EU) 2019/2034 (IFD), Art. 9 initial capital · checked 2026-10-07
ESMA: List of grandfathering periods decided by Member States under Article 143(3) MiCA (version of May 2026) · checked 2026-10-07
FATF: Jurisdictions under Increased Monitoring, 19 June 2026 (FATF site blocks automated access; content confirmed via official government notices below) · checked 2026-10-07
Insurance Commission of The Bahamas: notice reproducing FATF Public Statement of 19 June 2026 on Jurisdictions under Increased Monitoring · checked 2026-10-07
New Zealand Department of Internal Affairs: FATF jurisdictions under increased monitoring and call for action, June 2026 · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2016/1675, consolidated version of 29 January 2026 · checked 2026-10-07
European Commission Representation in Luxembourg: EU updates its list of non-cooperative jurisdictions for tax purposes (17 February 2026) · checked 2026-10-07