Universal bank / credit institution authorisation
Where: EU / euro area. 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.
Updated on 3 November 2026 · Published under the responsibility of Jason Pivron, director · Who we are
Where it is obtained
European Union and EEA — EU / euro area
Capital, as recorded in our catalogue
≥ €5,000,000 (CRD; national derogations possible)
Held by your company; not part of our fees.
What the file covers
Full banking licence; authorisation granted by the ECB together with the competent national authority.
- Assembling the regulatory file and responding to further requests.
- Monitoring of ongoing obligations (capital, reporting, supervision).
How the file runs
The same five steps for every licence: a 20-minute call, a firm quote, the regulatory file (here: full banking licence; authorisation granted by the ecb together with the competent national authority), filing and follow-up to the decision of the competent authority, then what follows the decision. The steps in detail →
After the decision: The authorisation stands until the authority withdraws it or it is surrendered: nothing to renew, but ongoing fees and obligations (capital, reporting, supervision). Reviewed on 30 September 2026
Fees
Excluding tax and regulatory capital; government and regulator fees included; firm quote before signature.
In this family (Banks and credit institutions), our starting fees range from 139,990 € to 369,990 €.
Documents required
The list for « Universal bank / credit institution authorisation » is given after the call, in your client space. The baseline documents →
Our guides on this subject
Questions
Where can the Universal bank / credit institution authorisation be obtained?
European Union and EEA (EU / euro area).
What capital is required?
≥ €5,000,000 (CRD; national derogations possible).
How much does it cost?
Our prices start at 329,990 €, excluding tax. Government fees are included; regulatory capital is not. A firm quote is issued before any signature.
What does the file cover?
Full banking licence; authorisation granted by the ECB together with the competent national authority.
Does the Universal bank / credit institution authorisation have to be renewed?
The authorisation stands until the authority withdraws it or it is surrendered: nothing to renew, but ongoing fees and obligations (capital, reporting, supervision). (Reviewed on 30 September 2026.)
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 in the European Union and EEA
The same family, elsewhere
Where these figures come from
Information from our catalogue as of 16 October 2026. Checked again with the regulator before any filing; not advice.