diff --git a/app/addons/paynl_addon/func.php b/app/addons/paynl_addon/func.php
index 4376012..5d8e245 100644
--- a/app/addons/paynl_addon/func.php
+++ b/app/addons/paynl_addon/func.php
@@ -77,7 +77,7 @@ function fn_paynl_startTransaction($order_id, $order_info, $processor_data, $exc
     $payNL->setAmount(floatval($order_info['total']) * 100);
     $payNL->setPaymentOptionId($processor_data['processor_params']['optionId']);
     
-    if(!is_null($paymentOptionSubId)){
+    if(!empty($paymentOptionSubId)){
         $payNL->setPaymentOptionSubId($paymentOptionSubId);
     }
     
diff --git a/app/functions/smarty_plugins/block.paynl_banks.php b/app/functions/smarty_plugins/block.paynl_banks.php
index d8f4929..c126c70 100644
--- a/app/functions/smarty_plugins/block.paynl_banks.php
+++ b/app/functions/smarty_plugins/block.paynl_banks.php
@@ -8,7 +8,7 @@ function smarty_block_paynl_banks($params, $content, &$smarty, &$repeat)
                 $banks = fn_get_ideal_banks($processor_data);
                 
                 $banksHtml = "<select name='paymentOptionbSubId' >";
-                
+                $banksHtml .= "<option value=''>Kies uw bank...</option>";
                 foreach($banks as $bank){
                     $banksHtml .= "<option value='".$bank['id']."'>".$bank['name']."</option>";
                 }
diff --git a/app/lib/other/smarty/plugins/block.paynl_banks.php b/app/lib/other/smarty/plugins/block.paynl_banks.php
index d8f4929..c126c70 100644
--- a/app/lib/other/smarty/plugins/block.paynl_banks.php
+++ b/app/lib/other/smarty/plugins/block.paynl_banks.php
@@ -8,7 +8,7 @@ function smarty_block_paynl_banks($params, $content, &$smarty, &$repeat)
                 $banks = fn_get_ideal_banks($processor_data);
                 
                 $banksHtml = "<select name='paymentOptionbSubId' >";
-                
+                $banksHtml .= "<option value=''>Kies uw bank...</option>";
                 foreach($banks as $bank){
                     $banksHtml .= "<option value='".$bank['id']."'>".$bank['name']."</option>";
                 }