# Fintech licensing in Czech Republic

Source page: https://protegra.io/licensing/jurisdictions/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

- [Czech RepublicCzech National Bank (CNB)The Czech National Bank acts as the central bank and unified supervisory authority of the Czech financial market under Act No. 6/1993 Coll.](https://protegra.io/licensing/regulators/cnb-czechia/)

## Fintech licences available in Czech Republic

### [Bank / credit institution](https://protegra.io/licensing/licences/bank/)

- [Bank · Czech RepublicCommercial Bank licence (bankovní licence)CNB](https://protegra.io/licensing/licences/bank/czech-republic/)

### [Crypto-asset service provider (MiCA CASP)](https://protegra.io/licensing/licences/casp-mica/)

- [CASP · Czech RepublicCrypto-Asset Service Provider authorisation under MiCA and Act No. 31/2025 Coll. (povolení k činnosti poskytovatele služeb souvisejících s kryptoaktivy)CNB](https://protegra.io/licensing/licences/casp-mica/czech-republic/)

### [Electronic money institution (EMI)](https://protegra.io/licensing/licences/emi/)

- [EMI · Czech RepublicSmall-scale Electronic Money Issuer authorisation (povolení k činnosti malého vydavatele elektronických peněz - VEPMR)CNB](https://protegra.io/licensing/licences/emi/czech-republic-small-scale/)
- [EMI · Czech RepublicElectronic Money Institution licence (povolení k činnosti instituce elektronických peněz)CNB](https://protegra.io/licensing/licences/emi/czech-republic/)

### [Fund manager](https://protegra.io/licensing/licences/fund-manager/)

- [FM · Czech RepublicSub-threshold Alternative Investment Fund Manager registration pursuant to Section 15 of AMCIF (zápis osoby provádějící správu majetku srovnatelnou s obhospodařováním podle § 15 ZISIF)CNB](https://protegra.io/licensing/licences/fund-manager/czech-republic-registered-15/)
- [FM · Czech RepublicInvestment Company / Fund Manager licence (povolení k činnosti investiční společnosti)CNB](https://protegra.io/licensing/licences/fund-manager/czech-republic/)

### [Investment firm / broker-dealer](https://protegra.io/licensing/licences/investment-firm/)

- [IF · Czech RepublicInvestment Firm licence (povolení k činnosti obchodníka s cennými papíry - OCP)CNB](https://protegra.io/licensing/licences/investment-firm/czech-republic/)

### [Lending / consumer credit](https://protegra.io/licensing/licences/lending/)

- [Credit · Czech RepublicNon-bank Consumer Credit Provider licence (oprávnění k činnosti nebankovního poskytovatele spotřebitelského úvěru)CNB](https://protegra.io/licensing/licences/lending/czech-republic-consumer-credit/)
- [Credit · Czech RepublicCrowdfunding Service Provider authorization under ECSPR (povolení k činnosti poskytovatele služeb skupinového financování)CNB](https://protegra.io/licensing/licences/lending/czech-republic-crowdfunding/)

### [Payment institution (PI)](https://protegra.io/licensing/licences/payment-institution/)

- [PI · Czech RepublicAccount Information Service Provider authorisation (povolení k činnosti správce informací o platebním účtu)CNB](https://protegra.io/licensing/licences/payment-institution/czech-republic-aisp/)
- [PI · Czech RepublicSmall-scale Payment Service Provider authorisation (povolení k činnosti poskytovatele platebních služeb malého rozsahu - PPSMR)CNB](https://protegra.io/licensing/licences/payment-institution/czech-republic-small-scale/)
- [PI · Czech RepublicPayment Institution licence (povolení k činnosti platební instituce)CNB](https://protegra.io/licensing/licences/payment-institution/czech-republic/)

## 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](https://protegra.io/czech).

Last verified: · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.