Extension / variation of permissions
Where: EU / EEA. We build the file, submit it and follow it through to the decision of the competent authority. The authorisation is granted to your company; no decision can be guaranteed.
Where it is obtained
European Union and EEA — EU / EEA
Scope and authority as stated in our catalogue; the exact regime is confirmed with the regulator before any filing.
Minimum capital
Capital may be reassessed
As stated in our catalogue; checked again with the regulator before any filing. Regulatory capital is held by your company and is not part of our fees.
What the file covers
Adding services, changing the model or lifting restrictions.
- Assembling the regulatory file and responding to further requests.
- Renewal and monitoring of the obligations attached to the licence.
How the file runs
- A 20-minute callFree and without commitment: your activity, your flows and the country you are aiming for, to confirm that this licence is the right one.
- A firm quote before any signatureOur fees, the government fees rebilled at cost and the capital to plan for, set out before you commit.
- The regulatory fileProgramme of operations, governance, policies and the documents of the persons involved, then our answers to the regulator's further requests.
- Filing and follow-upWe file in your company's name and follow the file through to the decision of the competent authority, which no one can guarantee.
- After the decisionRenewal and monitoring of the obligations attached to the licence, if you entrust them to us.
Fees
- Excluding tax.
- A firm quote is issued before any signature. Government fees rebilled at cost, without commission.
- Regulatory capital, guarantees and the regulator's own fees are not included.
In this family (E-money, payment institutions and open banking), our starting fees range from 14,990 € to 99,990 €.
Documents required
- A valid passport for each shareholder and each director.
- Proof of address less than three months old.
- A description of the activity, the clients and the expected flows.
- Evidence of the source of funds, verified against an independent document from medium risk upwards.
- A signed beneficial-owner form.
This is our baseline, asked of every client. The list specific to this licence is given after the call, in your client space, once the file is launched.
Questions
Where can the Extension / variation of permissions be obtained?
European Union and EEA (EU / EEA). The exact regime is confirmed with the regulator before any filing.
What capital is required?
Capital may be reassessed — as stated in our catalogue, checked again with the regulator before any filing.
How much does it cost?
Our fees start at 24,990 €, excluding tax. Government fees are rebilled at cost, without commission; regulatory capital is not included. A firm quote is issued before any signature.
What does the file cover?
Adding services, changing the model or lifting restrictions.
Is the licence guaranteed?
No. The authorisation is granted to your company by the competent authority, never by us: we build the file, submit it and follow it through to the decision, which no one can guarantee.
Other licences — European Union and EEA
- Universal bank / credit institution authorisationEU / euro area
- Specialised / niche bankEU / EEA
- Digital bank / neobank with a banking licenceEU / EEA
- Branch of a third-country bankEU / EEA
- Acquisition of a bank / qualifying holdingEU / EEA
- Electronic money institution (EMI) authorisationEU / EEA
- Payment institution (PI) authorisationEU / EEA
- Small EMI registrationEU / EEA — according to national regime
- Small PI registrationEU / EEA — according to national regime
- AISP — account information servicesEU / EEA
- PISP — payment initiation servicesEU / EEA
- Combined AISP + PISPEU / EEA
The same family, elsewhere
Where these figures come from
Information from our catalogue as of 23 September 2026. Regimes, capital and official fees change: each is checked again with the regulator before any filing. Nothing on this page is advice or a promise of approval.
Twenty minutes to frame your project, and start it now.
Free, with no conditions. We tell you at the end what we would do in your place — including building nothing at all, or staying where you are. The answer is often no, and we would rather say so before billing anything.
- Which jurisdiction holds for your case — and which would not.
- What it truly costs in year one, and the year after.
- What can make it fail, and at which point it happens.
Free, no commitment · Monday to Saturday, 9am to 1am Central European time — that is until 7pm in New York. French and English.