Is Cardflow/Stadsie a licensed e-money institution?

Yes. Cardflow/Stadsie holds Small EMI authorisation from De Nederlandsche Bank in Netherlands, licence reference R194234. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates Cardflow/Stadsie?

Cardflow/Stadsie is authorised and supervised by De Nederlandsche Bank in Netherlands. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is Cardflow/Stadsie's licence or FRN number?

Cardflow/Stadsie's licence reference number is R194234. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.

Cardflow/Stadsie

Legal name: Cardflow B.V.

No reader notes yetActiveSmall EMI

View on register

Regulator

De Nederlandsche Bank

Licence number

R194234

Authorised since

31 Mar 2025

EEA passports

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach: DomesticTier D
Scope: SpecialistTier C
Tenure: NewTier D

About this institution

Verified active as a small e-money institution. Cardflow B.V. holds a current licence issued by De Nederlandsche Bank on 31 March 2025. The authorisation covers two core activities: issuance of electronic money and safeguarding of customer funds. Licence reference R194234 confirms the entity's standing with the Dutch regulator.

The institution operates within the Netherlands. No EEA passporting notifications are recorded in the register, meaning Cardflow B.V. is not currently authorised to provide services in other member states under the e-money directive's cross-border framework.

Data note: the register entry reflects operational status as active as of the last cross-check. De Nederlandsche Bank, licence reference R194234, confirms the authorisation.

Authorised activities (PSD2 / EMD2)

Payment-services activities Cardflow/Stadsie is permitted to carry out under its licence, as recorded in the register.

Safeguarding of customer fundsSAFEGUARDING
Issuance of electronic moneyEMI_ISSUANCE

Frequently asked questions

Is Cardflow/Stadsie a licensed e-money institution?: Yes. Cardflow/Stadsie holds Small EMI authorisation from De Nederlandsche Bank in Netherlands, licence reference R194234. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
Who regulates Cardflow/Stadsie?: Cardflow/Stadsie is authorised and supervised by De Nederlandsche Bank in Netherlands. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
What is Cardflow/Stadsie's licence or FRN number?: Cardflow/Stadsie's licence reference number is R194234. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

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Registered office

Street: Chasséveld 3
City: BREDA, 4811DH

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