Netherlands · Payments & e-money
RISK Payment Services B.V.
RISK Payment Services B.V. is a Dutch private limited company. Its statutory seat is in Nieuwegein and its business address is in Utrecht. De Nederlandsche Bank (DNB) authorises it as a payment institution under the Dutch Financial Supervision Act, for account information services only. It belongs to the RISK group of Risk Groep B.V., an Utrecht insurance service provider in which Söderberg & Partners holds a minority stake. According to the group, the licence lets it use PSD2 bank-account access to analyse consumers' spending for savings alerts and for financial advisers.
Licences and registrations
Held by RISK Payment Services B.V. (LEI 7245001OT2O8A82N4Q55). 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 | R183919 | Netherlands | Active | 2022-06-03 | — |
|
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
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Risk Groep B.V.
Firm type
Open banking
Trades as RISK
- Ownership
- Risk Groep B.V. is the direct parent according to the GLEIF record, and Söderberg & Partners and CEO Harm Vollmuller are among the shareholders of Risk Groep.
- Direct parent
- Risk Groep B.V. ↗, Netherlands
- Head office
- Papendorpseweg 99, Unit 5.02, 3528BJ Utrecht, Netherlands (registered office: Statutory seat: Nieuwegein, Netherlands)
- Company register
- KvK (Dutch Chamber of Commerce) 66864992
Online
- Websites & references
- risk.nl ↗
- Official social accounts
- LinkedIn ↗
Sources · 11 pages consulted
- dnb.nl/en/public-register/information-detail/?registerCode=WFTBI&relationNumber=R183919
- risk.nl/
- risk.nl/api/psd2
- risk.nl/wie-zijn-wij
- risk.nl/contactsupport
- risk.nl/overig/privacy-disclaimer
- risk.nl/nieuws/risk-neemt-fintech-dyme-over
- soderbergpartners.nl/nieuws/risk-groep-partnership
- schade-magazine.nl/nieuws/archief/2025/12/risk-viert-25-jarig-bestaan-met-zakelijke-partners-uit-de-branche/
- quotenet.nl/zakelijk/a66036154/dyme-joran-iedema-amsterdam-risk-verzekeringen-fintech-insurtech/
- emerce.nl/nieuws/dyme-verkocht-insurtech-risk-miljoenendeal
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
DNB authorises the firm as a payment institution under Article 2:3a of the Financial Supervision Act (Wft), limited to account information services. The authorisation has applied since 17 March 2022.
| 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 | R183919 | 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.
Products and markets
Researched 29 Sep 2026 · Sources
According to the group, it uses consumer-consented PSD2 access to bank accounts to generate spending insights, alerts about high fixed costs and life-event triggers for financial advisers.
It serves customers in the Netherlands under its DNB authorisation. No passporting to other EEA states was found.
- Sells to
- Consumers · Other
- Serves customers in
- Netherlands
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Harm Vollmuller Founder and CEO of RISK (Risk Groep B.V.), group level
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
Risk Groep, the parent group, acquired the Amsterdam budgeting app Dyme, whose app links users' bank accounts.
risk.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
- R183919
- 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
- fddab4fd6ed6
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
- 2022-06-03
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 Dyme 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>7245001OT2O8A82N4Q55</LEI>
<Nm>RISK Payment Services 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.
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