licencemap
Informational only, not legal advice. Verify with qualified counsel before acting. Full disclaimer

🇦🇹 Austria

Mid-sized CASP jurisdiction with a short remaining transitional runway to 30 June 2026 and standard MiCA capital tiers.

Crypto (CASP) E-Money (EMI)
Last verified 2026-07-03 Next review 2026-07-17

Data verified: oldest cell 1 day ago (verified 2026-07-02). Individual cells show their own verification date below.

Licence type

E-money institution licence (Konzession) under the E-Geldgesetz 2010 (E-Money Act 2010), Austria's EMD2 transposition; credit institutions licensed under the Banking Act (BWG) may also issue e-money without a separate EMI licence

Verified 2026-07-02 Source: RIS consolidated E-Geldgesetz 2010: https://www.ris.bka.gv.at/GeltendeFassung.wxe?Abfrage=Bundesnormen&Gesetzesnummer=20007043 ; WKO: https://www.wko.at/information-consulting/finanzdienstleister/e-geldgesetz-e-geld-institute

Regulator

Financial Market Authority Austria (Finanzmarktaufsicht, FMA)

Verified 2026-07-02 Source: FMA Austria: https://www.fma.gv.at/banken/konzessionierung/

Capital requirement 🔒

Unlock capital requirement with the Founder Pass Source: ris.bka.gv.at

Timeline to authorisation 🔒

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Local substance 🔒

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Application cost 🔒

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Ongoing cost 🔒

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Passporting 🔒

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EMIs authorised 🔒

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Key restrictions 🔒

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Safeguarding 🔒

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Recent changes

PSD3 and the PSR will merge the payment institution and EMI regimes into one licence that can issue e-money. Final texts published 23 April 2026, applicability targeted around 2028; existing EMIs are grandfathered but must update their file.

Verified 2026-07-03 Source: EU

Difficulty rating 🔒

Unlock difficulty rating with the Founder Pass Source: fma.gv.at

The decision numbers for Austria are one step away

Capital, timeline, costs, substance, passporting, restrictions and difficulty, with sources and verification dates. Deciding now? The one-off Founder Pass (£349) unlocks everything for 30 days. The free showcase jurisdiction shows you the exact format and quality first.

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Track Austria

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Informational only, not legal advice. Entries marked as placeholder or awaiting verification must not be relied on. Confirm all requirements with Austria's regulator and qualified local counsel before acting.