{"id":1054,"date":"2022-10-25T16:10:00","date_gmt":"2022-10-25T14:10:00","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?p=1054"},"modified":"2026-08-06T19:51:47","modified_gmt":"2026-08-06T17:51:47","slug":"payments-costs-benefits-2021","status":"publish","type":"post","link":"https:\/\/www.betaalvereniging.nl\/en\/news\/payments-costs-benefits-2021\/","title":{"rendered":"Study into the costs and benefits of payments in 2021"},"content":{"rendered":"\n<p class=\"has-intro-font-size wp-block-paragraph\">In October 2022, the Dutch Payments Association presented its <a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Eindrapport-kosten-baten-betalingsverkeer-2021.pdf\"><em>Study into the costs and benefits of payments for financial institutions in 2021<\/em><\/a> to its members and stakeholders. For the first time since 2006, this gives us a detailed picture of the costs and revenues.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Kostenonderzoek_2021_1024x512_zonder_titel912.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Balance scale compares costs and benefits of payments, while woman smiling with smartphone and debit card makes a digital payment.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Kostenonderzoek_2021_1024x512_zonder_titel912.png 600w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Kostenonderzoek_2021_1024x512_zonder_titel912-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n<p class=\"wp-block-paragraph\">Payments in the Netherlands are highly efficient, and the fees paid by users are far lower than the European average. Transaction volumes have more than doubled compared with 2005, while processing costs have risen by only 5%. Nevertheless, the banks recorded a combined loss of \u20ac570 million on payments in 2021, compared with a loss of \u20ac23 million in 2005. This was due partly to a sharp decline in net interest income and partly to higher risk and compliance costs. The Dutch Payments Association and its members therefore wish to engage in an open dialogue with all stakeholders to determine how the high standards of security, efficiency, reliability, accessibility and inclusivity of our payments can be funded sustainably in the future.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BNR Nieuwsradio spoke with Gijs Boudewijn about the study into payments in 2021:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can also listen to Nieuwe Knikkers\u2019 podcast with Gijs Boudewijn:<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-rich is-provider-spotify wp-block-embed-spotify wp-embed-aspect-21-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n\n<div data-component=\"oembed\" class=\"relative\" data-module=\"oembed\" data-source=\"consent_embed_spotify\" data-type=\"audio\" data-cookiebot=\"1\" data-disable-notice=\"\">\n\t\t<a\n\t\thref=\"#embed-skip-6a7bf9041302c\"\n\t\tdata-component=\"skip-link\"\n\t\tclass=\"text-lg underline 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Gijs Boudewijn van de Betaalvereniging legt uit.\" style=\"border-radius: 12px\" width=\"100%\" height=\"152\" frameborder=\"0\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture\" loading=\"lazy\" data-src=\"https:\/\/open.spotify.com\/embed\/episode\/0d2sLUCycKid0UH9tgUHJ4?go=1&#038;sp_cid=df185b4411c8f35f8c5256b4a3d920a1&#038;utm_source=oembed&#038;utm_medium=desktop&#038;nd=1&#038;dlsi=29fe99e16afd43d4\"><\/iframe>\n<\/div>\n\t\t\t<\/template>\n\t<div id=\"embed-skip-6a7bf9041302c\" tabindex=\"-1\" class=\"sr-only\">Embedded content from Spotify skipped.<\/div>\n<\/div>\n\n<\/div><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic-Eindrapport-kosten-baten-betalingsverkeer-2021.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"610\" height=\"892\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic-Eindrapport-kosten-baten-betalingsverkeer-2021-610x892-1.png\" alt=\"Infographic showing the costs and benefits of payments for financial institutions in 2021.\" class=\"wp-image-1060\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic-Eindrapport-kosten-baten-betalingsverkeer-2021-610x892-1.png 610w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Infographic-Eindrapport-kosten-baten-betalingsverkeer-2021-610x892-1-205x300.png 205w\" sizes=\"auto, (max-width: 610px) 100vw, 610px\" \/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>In October 2022, the Dutch Payments Association presented its Study into the costs and benefits of payments for financial institutions in 2021 to its members and stakeholders. For the first time since 2006, this gives us a detailed picture of the costs and revenues. Payments in the Netherlands are highly efficient, and the fees paid [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1058,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"categories":[20,23],"btv_subject_tax":[29,6],"class_list":["post-1054","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-publication","btv_subject_tax-market-infrastructure","btv_subject_tax-special-accounts-and-services"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Onderzoek kosten en baten betalingsverkeer in 2021 - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Ontdek het onderzoek naar de kosten en baten betalingsverkeer en hoe het de Nederlandse financi\u00eble instellingen be\u00efnvloedt.\" \/>\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\/news\/payments-costs-benefits-2021\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Study into the costs and benefits of payments in 2021\" \/>\n<meta property=\"og:description\" content=\"Ontdek het onderzoek naar de kosten en baten betalingsverkeer en hoe het de Nederlandse financi\u00eble instellingen be\u00efnvloedt.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.betaalvereniging.nl\/en\/news\/payments-costs-benefits-2021\/\" \/>\n<meta property=\"og:site_name\" content=\"Dutch Payments Association\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-25T14:10:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-06T17:51:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Kostenonderzoek_2021_1024x512_zonder_titel912.png\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:site\" content=\"@NLbetalen\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/payments-costs-benefits-2021\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/payments-costs-benefits-2021\\\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Study into the costs and benefits of payments in 2021\",\"datePublished\":\"2022-10-25T14:10:00+00:00\",\"dateModified\":\"2026-08-06T17:51:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/payments-costs-benefits-2021\\\/\"},\"wordCount\":229,\"image\":{\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/payments-costs-benefits-2021\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/wp-content\\\/uploads\\\/sites\\\/4\\\/2025\\\/09\\\/Kostenonderzoek_2021_1024x512_zonder_titel912.png\",\"articleSection\":[\"News\",\"Publication\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/payments-costs-benefits-2021\\\/\",\"url\":\"https:\\\/\\\/www.betaalvereniging.nl\\\/en\\\/news\\\/payments-costs-benefits-2021\\\/\",\"name\":\"Onderzoek kosten en baten betalingsverkeer in 2021 - 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