Fintech licensing in Czech Republic
In Czech Republic, fintech and crypto licences are issued by the Czech National Bank (CNB). The Atlas covers 12 licence types there, in 7 families: bank, crypto-asset service provider (MiCA), electronic money institution, fund manager, investment firm, lending and payment institution. Because Czech Republic is in the EU/EEA, passportable licences issued there can be extended to the other member states by notification. Crypto-asset service providers are authorised under MiCA. Each licence page lists its legal basis, fees and decision period with sources.
Financial regulators in Czech Republic
Fintech licences available in Czech Republic
Bank / credit institution
Crypto-asset service provider (MiCA CASP)
Electronic money institution (EMI)
- EMI · Czech Republic
Small-scale Electronic Money Issuer authorisation (povolení k činnosti malého vydavatele elektronických peněz - VEPMR)
CNB
- EMI · Czech Republic
Electronic Money Institution licence (povolení k činnosti instituce elektronických peněz)
CNB
Fund manager
- FM · Czech Republic
Sub-threshold Alternative Investment Fund Manager registration pursuant to Section 15 of AMCIF (zápis osoby provádějící správu majetku srovnatelnou s obhospodařováním podle § 15 ZISIF)
CNB
- FM · Czech Republic
Investment Company / Fund Manager licence (povolení k činnosti investiční společnosti)
CNB
Investment firm / broker-dealer
Lending / consumer credit
- Credit · Czech Republic
Non-bank Consumer Credit Provider licence (oprávnění k činnosti nebankovního poskytovatele spotřebitelského úvěru)
CNB
- Credit · Czech Republic
Crowdfunding Service Provider authorization under ECSPR (povolení k činnosti poskytovatele služeb skupinového financování)
CNB
Payment institution (PI)
- PI · Czech Republic
Account Information Service Provider authorisation (povolení k činnosti správce informací o platebním účtu)
CNB
- PI · Czech Republic
Small-scale Payment Service Provider authorisation (povolení k činnosti poskytovatele platebních služeb malého rozsahu - PPSMR)
CNB
- PI · Czech Republic
Payment Institution licence (povolení k činnosti platební instituce)
CNB
Path to market
Start by mapping the activities you plan to offer onto the licence types above; the activity pages show which licence permits each one. CNB offers pre-application meetings and an innovation hub; the regulator page explains how to use them. The application goes to CNB, together with the capital, governance and AML documentation the licence page lists. Once authorised, an EU/EEA licence can be extended to other member states by passport notification rather than a new licence.
Getting licensed in Czech Republic
Protegra handles licensing in Czech Republic end to end: CASP licensing in the Czech Republic.
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.