Netherlands · Payments & e-money
Dyme B.V.
Trading asDyme B.V./Dyme/Mijngeldzaken.nl
Dyme B.V. is a Dutch private limited company with its statutory seat in Amsterdam and its business address in Utrecht. De Nederlandsche Bank (DNB) authorises it as a payment institution for account information services under PSD2, relation number R163598. RISK, a Dutch insurtech group, announced its acquisition of the firm in September 2025, and GLEIF records Risk Groep B.V. as its direct parent. The Dyme app connects consumers' bank accounts to show income and fixed costs, and offers subscription cancellation, contract negotiation and switching services, mainly in the Netherlands.
Licences and registrations
Held by Dyme B.V. (LEI 724500L7V5W2UTK7TD60). 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 | R163598 | Netherlands | Active | 2019-10-01 | — |
|
Search the register ↗ |
Trading names on the register: Dyme B.V./Dyme/Mijngeldzaken.nl (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
Ownership
Group subsidiary
Risk Groep B.V.
Firm type
Open banking
Trades as Dyme
- Ownership
- RISK announced its acquisition of Dyme on 10 September 2025, and GLEIF lists Risk Groep B.V. as the direct accounting parent. The founders reported that management keeps a minority stake.
- Direct parent
- Risk Groep B.V. ↗, Netherlands
- Head office
- Papendorpseweg 99, 3528 BJ Utrecht, Netherlands
- Company register
- KvK 71904387
- Founders
- Joran Iedema · David Knap · Wouter Florijn · David Schogt
Online
- Websites & references
- dyme.app ↗
dymesupport.zendesk.com ↗ help centre (FAQ and support) - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- App
- App Store ↗
Sources · 11 pages consulted
- dnb.nl/en/public-register/information-detail/?registerCode=WFTBI&relationNumber=R163598
- dyme.app/en
- dyme.app/en/about-dyme
- dyme.app/algemene-voorwaarden
- dyme.app/en/mijngeldzaken-is-now-dyme
- peak.capital/fintech-startup-dyme-acquired-by-risk/
- dyme.app/blog/nieuws/amsterdamse-fintech-dyme-haalt-euro2-miljoen-op-om-consumenten-te-ontzorgen-v
- kifid.nl/register/dyme-b-v-2/
- quotenet.nl/zakelijk/a66036154/dyme-joran-iedema-amsterdam-risk-verzekeringen-fintech-insurtech/
- emerce.nl/nieuws/dyme-verkocht-insurtech-risk-miljoenendeal
- dymesupport.zendesk.com/hc/nl/articles/360018065238-Heeft-Dyme-een-PSD2-vergunning
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
DNB authorises the firm as a payment institution (betaalinstelling) under the Dutch Financial Supervision Act (Wft) for account information services only. The firm states it can view transaction data but cannot make payments.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| De Nederlandsche Bank (DNB) Netherlands | Payment institution (Betaalinstelling), authorised for account information services (PSD2, Wft 2:3a) | R163598 | In its own name | Active | dnb.nl ↗ |
| Dutch Authority for the Financial Markets (AFM) Netherlands | AFM licence as recorded in the Kifid service-provider register | 12048397 | In its own name | Status unconfirmed | kifid.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
The firm offers a personal finance app with read-only bank-account aggregation, spending categorisation and budgeting. It also offers paid subscription cancellation, contract negotiation and switching services, and earns fees, commissions and Premium subscription income.
The firm serves consumers mainly in the Netherlands, and DNB records a cross-border passport for account information services into Belgium from 1 September 2024.
- Sells to
- Consumers
- Serves customers in 2 countries
- Netherlands · Belgium
- Latest funding round
- EUR 2m Jun 2021Led by Peak
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Joran Iedema CEO and co-founder
- Founder
- Wouter Florijn Co-founder and CTO
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
RISK, a Dutch insurtech group, announced it had acquired Dyme and said the brand and current management would remain in place.
peak.capital ↗ -
Licence
DNB recorded a cross-border passport for the firm's account information services into Belgium, effective 1 September 2024.
dnb.nl ↗
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
- R163598
- 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
- 99ca14e705c3
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
- 2019-10-01
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
- Risk Groep B.V. · Netherlands724500291A5A95P3FC53 ↗
The Risk Groep B.V. group has 2 institutions in the directory, in 1 country: none holds a BIC.
Including RISK Payment Services B.V..
See the Risk Groep B.V. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Papendorpseweg 99, UTRECHT, 3528BJ
- 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>724500L7V5W2UTK7TD60</LEI>
<Nm>Dyme B.V.</Nm>
<PstlAdr>
<PstCd>3528BJ</PstCd>
<TwnNm>UTRECHT</TwnNm>
<Ctry>NL</Ctry>
<AdrLine>Papendorpseweg 99</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