{"id":2973,"date":"2025-10-13T12:09:49","date_gmt":"2025-10-13T10:09:49","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?post_type=btv_wiki&#038;p=2973"},"modified":"2026-09-08T22:29:29","modified_gmt":"2026-09-08T20:29:29","slug":"open-banking","status":"publish","type":"btv_wiki","link":"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/open-banking\/","title":{"rendered":"Open Banking"},"content":{"rendered":"\n<h2 id=\"h-legal-framework-for-open-banking\" class=\"wp-block-heading\">Legal framework for open banking<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Thanks to the Revised Payment Services Directive (<a href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/psd2\/\" type=\"link\" id=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/psd2\/\"><strong><u>PSD2<\/u><\/strong><\/a>, Payment Services Directive), a licensed third party (a payment service provider) can access a payments account free of charge, provided the account holder gives their prior consent. This is also known as Open Banking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Two important conditions must be met:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The payment service provider must have a <strong>license<\/strong> to offer payment initiation or account information services.<\/li>\n\n\n\n<li>The account holder must first give <strong>explicit consent<\/strong> to that service provider.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The third party will then be granted free access to the account holder&#8217;s payments account with the account manager, usually a bank. Without the account holder&#8217;s consent or without a license, the service provider will not be granted access. The account holder can withdraw their consent at any time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A service provider that wishes to retrieve account data must first make clear what the data will be used for. The data may then only be processed for that purpose.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transparency and data use<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The collective term <em>third party<\/em> refers to a <strong>payment initiation and account information service provider<\/strong>. They can obtain a license for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PSD2 payment service 7, \u2018payment initiation service\u2019 or<\/li>\n\n\n\n<li>PSD2 payment service 8, \u2018account information service\u2019.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These licenses are granted by an authorized supervisory authority within the European Union. In the Netherlands, this is <a href=\"https:\/\/www.dnb.nl\/en\/sector-information\/open-book-supervision\/laws-and-eu-regulations\/psd2\/\"><strong><u>DNB<\/u><\/strong> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. Banks may also offer these services on the basis of their EU banking license. The DNB register lists all service providers operating in the Netherlands with a license for PSD2 payment service 7 or 8.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.betaalvereniging.nl\/en\/association\/nfps\/\" type=\"page\" id=\"4057\"><strong><u>National Forum on the Payment System (NFPS)<\/u><\/strong><\/a> has drawn up <em>good practices<\/em> for account information services in the Netherlands.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"outline\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] bg-transparent rounded-full border-2 border-base-500 text-base-500 underline-fade-in hocus:bg-base-500 hocus:border-base-500 hocus:text-white\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;view.officeapps.live.com&#x2F;op&#x2F;view.aspx&#x3F;src&#x3D;https&#x25;3A&#x25;2F&#x25;2Fwww.dnb.nl&#x25;2Fmedia&#x25;2Fhenocdj5&#x25;2Ftoelichting-good-practice-rekeninginformatiedienstverlening-in-nederland-_tcm46-388943.docx&amp;wdOrigin&#x3D;BROWSELINK\"\n\t\n\t\t\ttarget=\"_blank\" rel=\"noopener\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tExplanation of good practices for account information services in the Netherlands\n\n\t\t\t\t\t\t\t<span class=\"sr-only\">Opent in een nieuw venster<\/span>\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\" flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"currentColor\" viewBox=\"0 0 256 256\"><path d=\"M216.49,79.52l-56-56A12,12,0,0,0,152,20H56A20,20,0,0,0,36,40V216a20,20,0,0,0,20,20H200a20,20,0,0,0,20-20V88A12,12,0,0,0,216.49,79.52ZM160,57l23,23H160ZM60,212V44h76V92a12,12,0,0,0,12,12h48V212Zm100.49-60.49a12,12,0,0,1,0,17l-24,24a12,12,0,0,1-17,0l-24-24a12,12,0,0,1,17-17L116,155V124a12,12,0,0,1,24,0v31l3.51-3.52A12,12,0,0,1,160.49,151.51Z\"><\/path><\/svg>\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Berlin Group<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Banks have digital \u2018gateways\u2019 for third parties to access payments accounts. The <a href=\"https:\/\/www.berlin-group.org\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><u>Berlin Group<\/u><\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> ensures the standardization of these gateways with the <strong>NextGenPSD2 API<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Dutch Payments Association<\/strong> has been closely involved in the development of this framework from the outset. As a result, the <strong>NextGenPSD2 standard<\/strong> is now used by all banks in the Netherlands. The association is a member of the Berlin Group and part of the Open Finance working group. Together with our members, we contribute to the further development of European standards for open banking.<\/p>\n\n\n\n\t<div data-name=\"acf\/buttons\" class=\"mt-4 lg:mt-6\" >\n\t\t\n\t\t<ul class=\"flex flex-wrap gap-2 md:gap-6\">\n\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"primary\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] font-bold px-4 md:px-5 min-w-[52px] md:min-w-[60px] min-h-[52px] md:min-h-[60px] border-2 border-base-500 rounded-full bg-base-500 text-mint-500 underline-fade-in hocus:bg-mint-500 hocus:border-mint-500 hocus:text-base-500\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;knowledge-base&#x2F;online-payments&#x2F;open-banking-applied&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tFind out more about the applications of open banking\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/working-groups\" class=\"alignfull\" >\n\t\t<div class=\"ll-container\">\n\n\t\t\t\n\t\t\t<div class=\"space-y-4 @container\">\n\n\t\t\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Working together to ensure reliable open banking<\/h2>\n\t\t\t\t\n\t\t\t\t<ul class=\"items-stretch grid-cols-1 gap-8   grid\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"305\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1-300x150.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/open-banking-working-group\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tOpen Banking Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Open Banking Working Group ensures alignment and coordination within the Dutch open banking ecosystem. The working group monitors developments in legislation, standards and operational issues, thereby contributing to the secure and reliable use of open banking.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t<ul class=\"grid items-stretch grid-cols-1 gap-4 hidden\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t<li class=\"@container\">\n\t\t\t\t\t\t\t\n<div data-component=\"teaser-post\" class=\"relative flex h-full bg-ocean-50 hover:bg-ocean-100 focus-within:bg-ocean-100 transition-colors flex-col @5xl:flex-row \">\n\t\t\t<div class=\"relative aspect-video image:absolute image:w-full image:h-full image:object-cover shrink-0 w-full @5xl:w-1\/2 @5xl:h-full\">\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"305\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1-300x150.jpg 300w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/>\n\t\t<\/div>\n\t\n\t<div class=\"flex flex-col p-6 grow @4xl:p-10 @5xl:gap-8 @5xl:justify-between w-full  @5xl:w-1\/2\">\n\t\t<div class=\"flex flex-col gap-2 @4xl:gap-4\">\n\t\t\t<h3 class=\"order-2 font-normal break-words text-md @md:text-lg @4xl:text-xl\">\n\t\t\t\t<a href=\"https:\/\/www.betaalvereniging.nl\/en\/working-groups\/open-banking-working-group\/\" class=\"absolute-link underline-fade-in\">\n\t\t\t\t\tOpen Banking Working Group\n\t\t\t\t<\/a>\n\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t<p class=\"order-3 text-sm @md:text-base\">\n\t\t\t\t\tThe Open Banking Working Group ensures alignment and coordination within the Dutch open banking ecosystem. The working group monitors developments in legislation, standards and operational issues, thereby contributing to the secure and reliable use of open banking.\n\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\n\t\t\t\t\t\t\t\t\t<div class=\"flex justify-end\">\n\t\t\t\t\t\t\n\n\n\n<a\n\tdata-variant=\"link\"\n\tdata-size=\"default\"\n\tclass=\"group inline-flex justify-center items-center gap-2 cursor-pointer text-sm md:text-md transition-[background,border-color,color] min-w-[52px] md:min-w-[60px] min-h-0 md:min-h-0 px-0 md:px-0 pt-2 pb-1 border-b-2 font-bold border-b-transparent text-base-500 hocus:border-b-current\"\n\n\t\n\t\t\thref=\"https&#x3A;&#x2F;&#x2F;www.betaalvereniging.nl&#x2F;en&#x2F;working-groups&#x2F;open-banking-working-group&#x2F;\"\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t>\n\t\n\t\t\t<span data-button-text>\n\t\t\tMore about the Open Banking Working Group\n\n\t\t\t\t\t<\/span>\n\t\n\t\t\t\t\t\t<span class=\"transition-transform group-hover:translate-x-2 group-focus-visible:translate-x-2 flex items-center justify-center w-[1em] h-[1em] icon \" aria-hidden=\"true\">\n\t\t\t<svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path d=\"M21.3105 10.9395L21.4141 11.0537C21.8942 11.6429 21.8596 12.5115 21.3105 13.0605L13.5 20.8711L11.3789 18.75L16.6289 13.5H2.25V10.5H16.6289L11.3789 5.25L13.5 3.12891L21.3105 10.9395Z\" fill=\"currentColor\"\/>\n<\/svg>\n\n\t\t<\/span>\n\n\t\t\t\n\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Open Banking allows a regulated payment service provider to gain digital access to a payments account, provided the account holder gives their consent. This enables service providers to offer new innovative payment and account information services.<\/p>\n","protected":false},"featured_media":1049,"parent":15,"menu_order":0,"template":"","meta":{"_acf_changed":true,"editor_notices":[]},"btv_subject_tax":[13],"class_list":["post-2973","btv_wiki","type-btv_wiki","status-publish","has-post-thumbnail","hentry","btv_subject_tax-european-legislation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Open Banking - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Open Banking under PSD2 allows licensed providers to access payments accounts with consent, via secure European API standards.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/open-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Open Banking\" \/>\n<meta property=\"og:description\" content=\"Open Banking under PSD2 allows licensed providers to access payments accounts with consent, via secure European API standards.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/knowledge-base\/european-legislation\/open-banking\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-08T20:29:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/DE-BEELDREDAKTIE-03-134645255-jpg-610x305-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"610\" \/>\n\t<meta property=\"og:image:height\" content=\"305\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/european-legislation\\\/open-banking\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/knowledge-base\\\/european-legislation\\\/open-banking\\\/\",\"name\":\"Open Banking - 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