Regulatory AlertsAngola: fintech & payments regulation — 2026-07
RegulatedBNA regulates fintech via Notice 06/2024; Kz 10m capital for PSPs; sandbox available
Frozen snapshot — the guide as it stood at the end of 2026-07. See the live guide for the current state.
The financial sector is strictly regulated by the Banco Nacional de Angola (BNA). Fintech and payment service providers must obtain prior authorization as Non-Banking Financial Institutions under Notice No. 06/2024. The regulatory environment is formal, requiring significant capital and strict adherence to AML/CFT and payment system rules.
Which licence do you need?
| Your activity | Requirement | Capital | Timeline | Authority |
|---|---|---|---|---|
| Payment processing / gateway | LicencePayment Service Provider[1][2] Requires BNA authorization under Notice 06/2024 | Kz 10,000,000 | 6-12 months | Banco Nacional de Angola |
| E-money & wallet issuance | LicenceElectronic Money Institution[3][4] Must join KWiK and EMIS systems | Kz 10,000,000 | 6-12 months | Banco Nacional de Angola |
| Domestic money transfer | LicencePayment Service Provider[5][1] Subject to value limits per Instruction 02/2025 | Kz 10,000,000 | 6-12 months | Banco Nacional de Angola |
| Cross-border remittance | LicencePayment Service Provider[6][1] Subject to FX caps (USD 5,000) per Instruction 06/2022 | Kz 10,000,000 | 6-12 months | Banco Nacional de Angola |
| Agent network | LicencePayment Service Provider[7][1] Agents must be contracted by licensed institutions | Kz 10,000,000 | 6-12 months | Banco Nacional de Angola |
| Open banking / account information | Uncertainverify with regulator No specific open banking framework identified | — | — | — |
| Foreign-exchange services | LicencePayment Service Provider[6][1] FX operations capped at USD 5,000 per Instruction 06/2022 | Kz 10,000,000 | 6-12 months | Banco Nacional de Angola |
New — what changed recently
- 2026-01-28Notice No. 01/2026 — Established comprehensive rules for Non-Bank Acquirers and Sub-Acquirers.[8]
- 2025-12-02Instruction No. 03/2025 — Mandated rules for cash recirculation of Kwanza banknotes.[9]
- 2025-09-05Instruction No. 02/2025 — Updated value limits for payment systems and instruments.[5]
- 2025-08-22Notice No. 04/2025 — Established rules for opening and operating e-money accounts.[3]
- 2024-12-18Notice No. 04/2024 — Revised minimum share capital for non-bank financial institutions.[2]
Market-entry checklist
- 1Secure BNA AuthorizationApply for Non-Banking Financial Institution status under Notice 06/2024.
- 2Deposit Kz 10m CapitalEnsure fully paid-up capital of Kz 10,000,000 for PSPs.
- 3Join KWiK and EMISConnect to the Instant Transfer System and EMIS operator.
- 4Implement AML/CFTAdhere to strict identity verification and reporting rules.
- 5Register AgentsContract and register agents under banking institution supervision.
Sources
- Notice No. 06/2024 on Requirements and Procedures for the Authorization of Non-Banking Financial Institutions · 2024-12-20
- Notice No. 04/2024, of December 16: Minimum Share Capital of Non-Banking Financial Institutions · 2024-12-16
- Notice No. 04/2025 of August 22, 2025: Payment System - Opening, Movement, and Closure of E-Money Accounts · 2025-08-22
- Directive No. 08, of August 4, 2025 · 2025-08-08
- Instruction No. 02/2025 of August 13 – Payment System: Value Limits on Operations in Payment Systems · 2025-09-05
- Instruction No. 06/2022, of June 24 · 2022-06-24
- Notice No. 05/2022 of 3 February on Payment Arrangements of the Angola Payments System · 2022-02-08
- Notice No. 01/2026, of January 28 · 2026-01-28
- Instruction No. 03/2025 of December 2, 2025: Financial System - Cash Recirculation · 2025-12-02