Choose the right EU jurisdiction to authorise in
Where you apply shapes your timeline, substance and cost. Compare the factors that decide it across key Member States and the UK, then pressure-test them with a practitioner.
- Jurisdictions covered
- 16
- Basis
- EU / EEA regimes and the UK
- Last updated
- 2026-08-21
- Regimes compared
- 6
Select a regime and jurisdiction
Choose a regime, then a jurisdiction, to see the authorisation factors for that combination. Everything is reachable from the lists; the map is an optional visual view of the same coverage. Capital and cross-border entries cite the Union instrument behind them; substance, language and process are practitioner observations. Verify against current national requirements before relying on any of it.
1. Choose a regulatory regime
2. Choose a jurisdiction
13 of 16 covered for Payments and e-money. The map below is an optional visual view of the same list.
Or explore the same coverage on the map
The map is optional. Everything it shows is in the list above. Drag to pan, use the buttons to zoom; the page scrolls normally over it.
Showing Ireland, Payments and e-money.
Ireland
Payments and e-money
Also covered for Ireland
Practitioner observations, not sourced statements
- Working language:
- English
- Substance:
- Meaningful local management and mind-and-management in Ireland.
- Process:
- Pre-application engagement followed by formal assessment.
- Local context:
- Strong emphasis on substance and outsourcing governance.
Primary sources
Primary sources behind the cross-border and capital columns
10 citations, each to the article or section the statement rests on. The numbers beside a statement point to the citation behind it. Always confirm against the current official text.
- 1Article 65, cross-border provision of crypto-asset servicesRegulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assetsEuropean Parliament and Council of the European Union
- 2Article 67 and Annex IV, prudential requirements and permanent minimum capital requirements by class of crypto-asset servicesRegulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assetsEuropean Parliament and Council of the European Union
- 3Article 11, prudential safeguards and the forms they may takeRegulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European crowdfunding service providers for businessEuropean Parliament and Council of the European Union
- 4Article 18, cross-border provision of crowdfunding servicesRegulation (EU) 2020/1503 of the European Parliament and of the Council of 7 October 2020 on European crowdfunding service providers for businessEuropean Parliament and Council of the European Union
- 5Article 7, initial capital, points (a), (b) and (c)Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal marketEuropean Parliament and Council of the European Union
- 6Article 11, granting of authorisation, including the requirement that authorisation be granted only to a legal person established in a Member StateDirective (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal marketEuropean Parliament and Council of the European Union
- 7Article 28, application for the exercise of the right of establishment and the freedom to provide servicesDirective (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal marketEuropean Parliament and Council of the European Union
- 8Article 4, initial capital of electronic money institutionsDirective 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutionsEuropean Parliament and Council of the European Union
- 9Article 34, freedom to provide investment services, and Article 35, establishment of a branchDirective 2014/65/EU of the European Parliament and of the Council of 15 May 2014 on markets in financial instrumentsEuropean Parliament and Council of the European Union
- 10Article 9(1) to 9(4), initial capital of investment firms by permitted activity, and Article 11, composition of initial capitalDirective (EU) 2019/2034 of the European Parliament and of the Council of 27 November 2019 on the prudential supervision of investment firmsEuropean Parliament and Council of the European Union
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