If you do not hold a licence from the European Central Bank (ECB), you are not permitted to pursue the business of a bank in the Netherlands pursuant to Section 2:11 of the Financial Supervision Act (Wet op het financieel toezicht - Wft).
We pursue a policy of active enforcement and perform checks at regular intervals. If you pursue the business of a bank without a licence or statutory exception, DNB can take several enforcement measures, including issuing cease and desist orders and imposing administrative fines.
Non-compliance with the Financial Supervision Act constitutes a criminal offence under the Economic Offences Act, which we can report to the public prosecutor's office.
DNB has reviewed the identification and buffer requirements for systemically important banks and maintains the current requirements.
Read more DNB maintains buffers for systemically important banks
On Tuesday 5th November from 3:00-4:45 PM CET DNB will organize a physical information session about fit and proper assessments.
Read more Information session about fit and proper assessments DNB
On 30 September 2024, DNB published the amendments to the two policy rules for the deposit guarantee scheme (DGS). These amendments were publicly consulted in June 2024.
Read more Adoption of the 2024 amendments to the Policy Rules for the Deposit Guarantee Scheme
As at 30 June 2024, Dutch households held some €15 billion in bank deposits in other euro area countries, the latest figures from DNB and the European Central Bank (ECB) show. This means foreign savings keep growing.
Read more Dutch households see foreign bank deposits double in two years
