A 24-year-old man from Arnhem was arrested on Tuesday because, according to the police, he was guilty of phishing.
In these attacks, victims were led to counterfeit bank login pages to get their login details, police said on Thursday.
The Public Prosecution Service (OM) suspects him of developing, having and distributing phishing software.
The Arnhemmer will be brought before the examining magistrate in Rotterdam on Friday.
With phishing software, criminals can set up phishing websites that entice victims to click on a fake (payment) link.
They get that link via text, email, or WhatsApp from a sender pretending to be a bona fide financial institution or company.
The police also arrested a fifteen-year-old boy from Loenen aan de Vecht.
He is suspected of selling phishing software.
The suspect has been released pending further investigation.
The duo was arrested on Tuesday.
A third person, an eighteen-year-old man from Hoogeveen, was searched on Wednesday.
This form of digital fraud resulted in damage of 7.9 million euros in 2019.
This year, the amount of damage has already risen to 12.8 million euros.