Profile rates
Data-derived · A is broadestThree named tiers comparing this institution against the rest of the European register.
- Reach
- DomesticTier D
- Scope
- SpecialistTier C
- Tenure
- NewTier D
No EEA passporting on record.
Authorised for 2 payment-services activities.
Authorised under 2 years ago.
About this institution
Verified active. Stadsie B.V. holds a small electronic money institution licence, reference R194234, granted by the De Nederlandsche Bank on 31 March 2025. This licence authorises the issuance of electronic money and the safeguarding of customer funds.
The licence is limited to the Netherlands and, with no passporting recorded, does not cover operations in other EEA states.
No EEA passporting is on record. De Nederlandsche Bank records licence reference R194234 for Stadsie B.V. as active as of the last cross-check.
Licence timeline
3 dated eventsDated events for Cardflow/Stadsie, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.
Cross-checked against the De Nederlandsche Bank register
Automated daily verification of licence status and reference.
First verified and added to this directory
Small EMI registration granted by the De Nederlandsche Bank
Position in the Netherlands register
Netherlands EMIs
65
Active
64
Full / small licences
33 / 32
Licence age rank
50/65
Cardflow/Stadsie is one of 65 e-money institutions on the Netherlands register, 64 of which are currently active. Its licence is the 50th oldest of the 65 dated Netherlands EMI authorisations, one of 9 granted in 2025. As a small-EMI registration it operates domestically only - 32 of the 65 Netherlands entries use this lighter regime.
Is your money safe with Cardflow/Stadsie?
Cardflow/Stadsie holds a small-EMI registration from De Nederlandsche Bank, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.
If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way. Small-EMI regimes are national and domestic-only; the exact safeguarding arrangements are worth confirming with the firm and its regulator.
Authorised activities (PSD2 / EMD2)
Payment-services activities Cardflow/Stadsie is permitted to carry out under its licence, as recorded in the register.
- Issuance of electronic moneyEMI_ISSUANCE
- Safeguarding of customer fundsSAFEGUARDING
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.
Other licensed institutions in Netherlands
Registered office
- Street
- Chasséveld 3
- City
- BREDA, 4811DH
Ratings & reader notes
0 written notes
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