RegAlert

Slovakia: fintech & payments regulation — 2026-08

Regulated

Slovakia: NBS regulates payments/e-money under EU PSD2/EMD2; FX licensed by NBS

Frozen snapshot — the guide as it stood at the end of 2026-08. See the live guide for the current state.

Slovakia implements EU payment directives via the NBS. Payment and e-money institutions require authorization under Act 492/2009. The regime is stable, aligned with EU standards, and supervised by the NBS. FX trading requires a separate license.

Which licence do you need?

Your activityRequirementCapitalTimelineAuthority
Payment processing / gatewayLicencePayment Institution

Requires authorization under Act 492/2009

EUR 20,0006 monthsNárodná banka Slovenska
E-money & wallet issuanceLicenceElectronic Money Institution

Higher capital than payment institutions

EUR 350,0006 monthsNárodná banka Slovenska
Domestic money transferLicencePayment Institution

Domestic transfers fall under payment services

EUR 20,0006 monthsNárodná banka Slovenska
Cross-border remittanceLicencePayment Institution

Cross-border payments require authorization

EUR 20,0006 monthsNárodná banka Slovenska
Agent networkRegistrationFinancial Agent[1]

Independent financial agents require authorization

——Národná banka Slovenska
Open banking / account informationLicencePayment Institution

AIS/PSP services require payment institution license

EUR 20,0006 monthsNárodná banka Slovenska
Foreign-exchange servicesLicenceForeign Exchange Licence[2]

Separate license for trading foreign exchange assets

——Národná banka Slovenska

Market-entry checklist

  1. 1Secure minimum capitalDeposit EUR 20,000 for payment institutions or EUR 350,000 for e-money institutions.
  2. 2Submit NBS applicationFile application with NBS including business plan, governance, and AML procedures.
  3. 3Establish AML frameworkImplement compliance systems and appoint MLRO as required by Act 492/2009.
  4. 4Prepare technical docsProvide detailed documentation on IT systems and operational resilience.

Sources

  1. Decree of NBS No 4/2019 amending Decree No 1/2018 on financial agent authorisation · 2019-10-01
  2. Decree No. 139/2013 Coll. of Národná banka Slovenska laying down detailed provisions on the elements of an application for a foreign exchange licence and on requirements for trade in foreign exchange assets · 2013-05-14