Jurisdiction guide · FCA

United Kingdom: Payment and E-money Institutions

The applicable authorisation or registration route depends on the proposed payment and electronic-money activities. Application materials explain the business model and permissions sought.

Regulatory background, not companies offered for sale.

What to assess

A starting point for assessment

  • Distinct routes for payments and electronic money
  • Provider and regulatory due diligence remain separate

Requirements and permissions depend on the activity and current rules. Authority and provider decisions are not guaranteed.

Official regulatory guidance ↗

How It Works

Preparing for review

  1. 01Define payment and electronic-money activities
  2. 02Assess permissions and safeguarding requirements
  3. 03Prepare the business and application evidence
  4. 04Coordinate the authority’s review

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Discuss your next step

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