# No-KYC services in Netherlands (2026)

> Source: https://fuckyc.org/country/netherlands/
> ISO: NL · Last verified: 2026-05-12

## TL;DR

From the Netherlands, **SEPA Instant** P2P on Bisq, Peach Bitcoin, Hodl Hodl, or RoboSats. Email options span home-jurisdiction (StartMail, Disroot), German (Tuta/Posteo), Swiss (Proton). Hosting in **AbeloHost** or **FlokiNET**.

The Netherlands is the home jurisdiction of StartMail, AbeloHost, and Disroot. EU AMLD applies. SIM-registration historically not required; current policy worth re-checking.

## Legal context

- EU AMLD framework applies; DNB and AFM regulate crypto-asset operators.
- SIM-registration historically not required at the carrier; status worth re-checking.
- EU MiCA applies since 2024-2025.

## Payment rails

- SEPA Instant (EUR) — primary rail.
- iDEAL — domestic Dutch pay-by-bank.
- Cash by mail — legal.

## Crypto and exchange routes

- **bisq** — P2P
- **peach-bitcoin** — Mobile SEPA P2P
- **hodlhodl** — Multisig P2P
- **robosats** — Lightning P2P
- **trocador** — Instant swap aggregator
- **monero** — Privacy coin

## VPN and network

- **mullvad** — No-account, cash by mail
- **protonvpn** — Free tier

## Email

- **startmail** — Dutch home-jurisdiction
- **tuta** — German
- **proton-mail** — Swiss
- **disroot** — Dutch FOSS collective

## Mobile, hosting, messaging

- **abelohost** — Dutch hosting
- **flokinet** — Multi-jurisdiction
- **njalla** — Anonymous domains
- **silent-link** — Anonymous eSIM

## Caveats

- EU MiCA and EU AMLD apply; Dutch-domiciled CASPs enforce KYC.
- SIM-registration status has been moving; re-check before relying on cash-prepaid SIMs.

## FAQ

**Q: Can I buy a no-KYC SIM in the Netherlands?**

Historically yes; the rule is in flux. Cash-prepaid SIMs may still be available at some retailers but verify current policy before relying on it.

## Sources

- [DNB — De Nederlandsche Bank](https://www.dnb.nl/en/)
- [AFM](https://www.afm.nl/en)