Netherlands · Payments & e-money
Plaid, B.V.
Plaid, B.V. is a Dutch private limited company based in Amsterdam. De Nederlandsche Bank (DNB) authorises it as a payment institution under the Financial Supervision Act (Wft), with relation number R179714. The authorisation covers payment initiation and account information services. The firm is the EEA entity of the Plaid group, which is headed by Plaid Inc. of San Francisco. It sells open banking services to businesses serving customers in the EEA, including Pay by Bank, recurring payments, payouts, account linking and transaction data.
Licences and registrations
Held by Plaid, B.V. (LEI 7245006VF0O83RBSW372). 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 | R179714 | Netherlands | Active | 2021-03-17 | — |
|
Search the register ↗ |
- 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
Employees
Not published
Ownership
Group subsidiary
Firm type
Open banking
Trades as Plaid
- Ownership
- The firm is part of the Plaid group headed by Plaid Inc. of San Francisco, which names Plaid, B.V. as an affiliate under common ownership or control. The direct shareholder and the percentage held are not published.
- Head office
- Muiderstraat 1, 1011PZ Amsterdam, Netherlands
- Company register
- Netherlands Chamber of Commerce (KvK) 74716603
- Founders
- Zach Perret · William Hockey
Online
- Websites & references
- plaid.com ↗
plaid.com/en-eu ↗ EU country site of the firm
plaid.com/docs ↗ developer documentation (group)
support-my.plaid.com ↗ consumer help centre (Europe)
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · X ↗ · Instagram ↗ · YouTube ↗ · Discord ↗ · GitHub ↗
Sources · 12 pages consulted
- dnb.nl/en/public-register/information-detail/?registerCode=WFTBI&relationNumber=R179714
- plaid.com/en-eu/
- plaid.com/legal/
- plaid.com/en-eu/company/
- support-my.plaid.com/hc/en-150/articles/4410324909463-Is-Plaid-regulated-by-the-Dutch-Central-Bank-DNB
- plaid.com/docs/payment-initiation/
- plaid.com/docs/payment-initiation/virtual-accounts/
- plaid.com/blog/our-latest-fundraise/
- plaid.com/blog/plaid-appoints-brian-dammeir-as-head-of-europe/
- pymnts.com/news/fintech-investments/2026/plaids-valuation-hits-8-billion-in-new-funding-round/
- fintech.global/2026/02/27/fintech-plaid-raises-undisclosed-funding-at-8bn-value/
- en.wikipedia.org/wiki/Plaid_Inc.
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
De Nederlandsche Bank authorises the firm as a payment institution under the Wft. The authorisation covers account information services (since 12 February 2021) and payment initiation services (since 18 February 2022). The DNB register shows these services passported cross-border to 22 other EEA states.
| 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): payment initiation services and account information services | R179714 | In its own name | Active | dnb.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.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Not applicableThe firm states that it does not hold customer funds and that such funds are not covered by the Dutch Deposit Guarantee Scheme.
- Payment schemes and card networks
- SEPA Instant Credit Transfer Through a partner plaid.com ↗
SEPA Credit Transfer Through a partner plaid.com ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It sells businesses one-time and recurring Pay by Bank payment initiation, payouts and access to account, balance, identity and transaction data. Consumers act as end users through the businesses' apps.
It serves the Netherlands under its DNB authorisation. The DNB register shows cross-border passports for payment initiation and account information services in 22 other EEA states.
- Sells to
- Enterprises · Financial institutions · Platforms and marketplaces
- Serves customers in 23 countries
- Netherlands · Austria · Belgium · Czechia · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Ireland · Italy · Latvia · Lithuania · Norway · Poland · Portugal · Romania · Slovakia · Slovenia · Spain · Sweden
- Latest funding round
- Funding round (group level, Plaid Inc.) · USD 575m Apr 2025Led by Franklin Templeton
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Zach Perret Co-founder and Chief Executive Officer, Plaid Inc. (group level)
Recent events
Researched 29 Sep 2026 · Sources
-
Funding
According to Bloomberg, Plaid Inc. completed a funding round for employee liquidity at a USD 8 billion valuation. The amount was not disclosed.
pymnts.com ↗ -
Licence
DNB registered cross-border passports for the firm's payment initiation and account information services in Greece, Hungary, Romania, Slovenia and Slovakia.
dnb.nl ↗ -
Funding
Plaid Inc. announced a USD 575 million funding round led by Franklin Templeton, mainly to cover employee RSU tax obligations and provide employee liquidity.
plaid.com ↗ -
Licence
DNB registered a cross-border passport for the firm's payment initiation and account information services in Austria.
dnb.nl ↗ -
Leadership
Plaid appointed Brian Dammeir, formerly of Adyen, as Head of Europe. He has since taken a global payments role at the group.
plaid.com ↗
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
- R179714
- 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
- 84774c93c139
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
- Payment initiation
- Account information
- Licensed in
- Netherlands · Europe & Central Asia
- First registered
- 2021-03-17
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
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Address on the register
- Muiderstraat 1, AMSTERDAM, 1011PZ
- 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>7245006VF0O83RBSW372</LEI>
<Nm>Plaid, B.V.</Nm>
<PstlAdr>
<PstCd>1011PZ</PstCd>
<TwnNm>AMSTERDAM</TwnNm>
<Ctry>NL</Ctry>
<AdrLine>Muiderstraat 1</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
- 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.
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