Licence type
E-Money Institution or Small E-Money Institution under the European Communities (Electronic Money) Regulations 2011.
Verified 2026-07-02
Source: CBI
Regulator
Central Bank of Ireland (CBI).
Verified 2026-07-02
Source: CBI
Capital requirement 🔒
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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 PSR merge the payment institution and EMI regimes into one payment institution licence that can issue e-money. Final texts published 23 Apr 2026, OJ expected mid to late 2026, PSR applies about 20 days after publication, PSD3 transposition within 18 months (applicability ~Q2/Q3 2028). Existing EMIs are grandfathered but must update their file.
Verified 2026-07-02
Source: EU
Difficulty rating 🔒
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Track Ireland
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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 Ireland's regulator and qualified local counsel before acting.