Fintech licensing in Australia
In Australia, two regulators issue the fintech and crypto licences: the Australian Securities and Investments Commission (ASIC) and the Australian Transaction Reports and Analysis Centre (AUSTRAC). Here the Atlas covers 4 licence types, in 4 families: investment firm, lending, money transmitter and virtual asset service provider. Each licence page has its legal basis, fees and decision period, with sources.
Financial regulators in Australia
- Australia
Australian Securities and Investments Commission (ASIC)
ASIC is Australia's integrated corporate, markets, financial services and consumer credit regulator; it licenses and supervises companies, f
- Australia
Australian Transaction Reports and Analysis Centre (AUSTRAC)
AUSTRAC is Australia's financial intelligence unit and AML/CTF regulator: it collects and analyses financial transaction reports to detect m
Fintech licences available in Australia
Investment firm / broker-dealer
Lending / consumer credit
Money transmitter / money services business (MSB)
Virtual asset service provider (non-MiCA)
Main laws
- Anti-Money Laundering and Counter-Terrorism Financing Act 2006: Act No. 169, 2006 (Cth), registered compilation C2026C00274
- Corporations Act 2001: Act No. 50, 2001 (Cth), registered compilation C2026C00382
Path to market
Start with your activities. Match them to the licence types above: the activity pages show which licence permits each one. ASIC runs pre-application meetings, an innovation hub and a regulatory sandbox, and the regulator page explains how to use them. Applications go to ASIC and AUSTRAC with the capital, governance and AML documentation that the licence page lists.
Need this licence, or a different one?
Tell us your business model and target markets. We check the fit before you spend on an application, then handle the licence end to end.
A free preliminary assessment: we check your business model against the licence before you spend on an application. We handle this licence and any other fintech licence, including jurisdictions the Atlas does not cover yet.