On June 10, 2025, it became final: the Netherlands is introducing a ban on cash payments above €3,000 for merchants. A measure that goes deeper than European regulations, and has a direct impact on their processes especially for businesses.
The reason for this ban
The most important changes are as follows:
Prohibition of cash payments from €3,000 between corporate merchants.
Exception for private individuals. They may still trade cash among themselves.
Acceptance obligation up to €3,000. Businesses may not refuse cash up to this limit, with some exceptions (such as unmanned outlets).
This affects both the sales side and administration. Transaction flows must be better monitored, and anomalous patterns spotted more quickly. Precisely here lies a crucial role for automated KYC and AML processes.
Compliance becomes more complex... Or more manageable
The challenge is not only in the ban itself, but in compliance. The €3,000 limit is a threshold, but it is also a signal function. Companies must continuously demonstrate that they detect, report and prevent suspicious transactions in a timely manner.
For those still working with loose systems or manual checks, this becomes an expensive and risky business. The new law forces companies to modernize their compliance structure. That starts with an integrated approach to customer acceptance, transaction monitoring and risk profiles.
From regulation to insight
SCOPE FinTech Solutions helps organizations make this translation. By cleverly integrating KYC and AML processes into one platform, compliance becomes not only manageable, but also future-proof.
Our solutions give organizations real-time visibility into transactions, risk signals and customer profiles. This allows you to effortlessly stay in line with regulations, even as they change, without additional administration or separate systems.
The stricter cash limit is a symptom of a broader trend: anti-money laundering laws are becoming tighter, supervision more active, and the role of technology increasingly decisive. Organizations that invest in integrated compliance solutions now are building not only risk management, but also trust, transparency and competitiveness.
Also ready for the new cash limit? Find out how SCOPE strengthens your compliance processes.
Schedule a no-obligation introductory meeting immediately via the button below and discuss how we can support your organization.
