Netherlands · Payments & e-money
12Budget B.V.
Trading as12Budget B.V./Knip/Hypotheek24
12Budget B.V. is a Dutch private limited company (besloten vennootschap) based in Amsterdam. De Nederlandsche Bank (DNB) authorises it as a payment institution under the Financial Supervision Act (Wft) for account information services only. The Dutch Authority for the Financial Markets (AFM) also licenses it as a financial service provider to advise on and mediate financial products. According to GLEIF, P.H. Ruys Beheer B.V. is its parent. It trades as Knip, a consumer app that analyses linked payment accounts, and as Hypotheek24, an online mortgage advice and mediation service.
Licences and registrations
Held by 12Budget B.V. (LEI 7245008GY6TO8ZMODB73). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterThe Netherlands Bank | Payment institutionPayment Institution | R163138 | Netherlands | Active | 2020-06-30 | — |
|
Search the register ↗ |
Trading names on the register: 12Budget B.V./Knip/Hypotheek24 (EBA-PSD2)
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Privately held
P.H. Ruys Beheer B.V.
Firm type
Open banking
Trades as Knip; Hypotheek24
- Standing
- DNB's register listed the firm's account information services authorisation as current on 29 September 2026. The GLEIF record for its LEI shows the entity as active but the LEI registration as lapsed.
- Ownership
- GLEIF reports P.H. Ruys Beheer B.V. as both the direct and the ultimate accounting-consolidation parent of the firm.
- Direct parent
- P.H. Ruys Beheer B.V. ↗, Netherlands
- Head office
- Nieuwezijds Voorburgwal 162, 1012SJ Amsterdam, Netherlands
- Company register
- KvK 75334666
Online
- Websites & references
- 12budget.com ↗ did not load when checked
hypotheek24.nl ↗ Hypotheek24 brand site (online mortgage advice and mediation)
knip-app.nl ↗ Knip brand site (account analysis app) - Official social accounts
- None found
Sources · 6 pages consulted
- dnb.nl/en/public-register/information-detail/?registerCode=WFTBI&relationNumber=R163138
- afm.nl/en/sector/registers/vergunningenregisters/financiele-dienstverleners/details?id=03A2B153-
- dnb.nl/voor-de-sector/open-boek-toezicht/sectoren/betaalinstellingen/vergunningaanvraag-betaaldi
- hypotheek24.nl/overons
- hypotheek24.nl/informatie/actievoorwaarden-klusweken
- knip-app.nl/privacy-policy
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
Since 29 June 2020, DNB has authorised the firm as a payment institution under Article 2:3a Wft, for account information services (service 8) only. Since 3 September 2020, the AFM has licensed it as a financial service provider to advise on and mediate products including mortgage credit, consumer credit, payment accounts and insurance.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| De Nederlandsche Bank (DNB) Netherlands | Authorisation to carry out the business of a payment service provider (PSD2 - WFT 2:3a): 8. Account information services | R163138 | In its own name | Active | dnb.nl ↗ |
| Dutch Authority for the Financial Markets (AFM) Netherlands | Financial service provider licence (advising and mediating: mortgage credit, consumer credit, payment accounts, electronic money, savings accounts, insurance and other products) | 12047449 | In its own name | Active | afm.nl ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Products and markets
Researched 29 Sep 2026 · Sources
Through the Knip app, users link their payment accounts so the firm can analyse them. Through Hypotheek24 it offers online mortgage advice and mediation, together with related insurance mediation.
The firm serves consumers in the Netherlands under its DNB and AFM authorisations. No EEA passporting was found.
- Sells to
- Consumers
- Serves customers in
- Netherlands
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- P.H. Ruys Policymaker (listed on AFM register)
- Executive
- W.J. Heuvelink Policymaker (listed on AFM register)
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
- Licence no. · EBA-PSD2
- R163138
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 5fe3f9ac0a5b
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Account information
- Licensed in
- Netherlands · Europe & Central Asia
- First registered
- 2020-06-30
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- P.H. Ruys Beheer B.V. · Netherlands72450040DUE7Y0KJLK93 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Nieuwezijds Voorburgwal 162, AMSTERDAM, 1012SJ
- Country
- Netherlands
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>7245008GY6TO8ZMODB73</LEI>
<Nm>12Budget B.V.</Nm>
<PstlAdr>
<PstCd>1012SJ</PstCd>
<TwnNm>AMSTERDAM</TwnNm>
<Ctry>NL</Ctry>
<AdrLine>Nieuwezijds Voorburgwal 162</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
Book a demo