Banking & payment licensing

It depends on the products and the customers. An EU EMI lets you issue electronic money and payment services with EEA passporting, and is the natural home for card programmes and European payment flows. An offshore charter supports lending, private banking and cross-border models where EU membership is not the goal. Many clients need one; some need both.

It varies substantially by regime and by the activities you intend to conduct — from modest paid-in capital for a restricted offshore charter to substantial regulatory capital for a full banking license or an EMI serving high volumes. We fix the real number for your specific model during feasibility rather than quoting a headline figure that will not apply.

This is the question that decides most banking projects, and we address it at the outset rather than after licensing. The answer depends on jurisdiction, structure, compliance maturity and the business model itself — some regimes and models are readily bankable, others are not. We will tell you which category you are in before you commit.

Yes — structuring, capital arrangements, the full application pack, supervisory engagement through to authorization, and then implementation support including banking, payment and compliance build-out.

Many businesses that think they need a bank charter are better served by a PSP, EMI or money-transmission authorization, which is lighter, faster and sufficient for the flows in question. Part of the feasibility work is telling you honestly when a smaller authorization is the correct answer.