Licence family

Bank / credit institution

A banking licence lets a company take deposits from the public and grant credit on its own account. In the EU that is a credit institution authorisation under the Capital Requirements Directive. Significant banks are supervised jointly with the European Central Bank, and initial capital must reach at least EUR 5 million. Few financial licences demand more to obtain or hold.

Last verified 2026-09-24Markdown · Data (CC BY 4.0)
Bank / credit institution: licenceBank

Where the Bank licence is available

Bank / credit institution jurisdictions in the AtlasCzech RepublicEstoniaGeorgiaGermanyIrelandLatviaLithuaniaLithuaniaLuxembourgNetherlandsPolandSlovakiaSpainSwitzerlandSwitzerlandUnited Arab EmiratesAbu Dhabi Global Market (ADGM)BermudaCayman IslandsDubai International Financial Centre (DIFC)MaltaSingapore
Jurisdictions in the Atlas that issue a Bank licence. Click a country for its page.

Comparison by country

CountryRegulatorMin. capitalStatutory timePassport
Abu Dhabi Global Market (ADGM)FSRAn/an/aDomestic
BermudaBMAn/an/aDomestic
Cayman IslandsCIMAn/an/aDomestic
Czech RepublicCNBn/an/aEU/EEA
Dubai International Financial Centre (DIFC)DFSAn/an/aDomestic
EstoniaFIn/a6 moEU/EEA
GeorgiaNBGn/a6 moDomestic
GermanyBaFinn/a6 moEU/EEA
IrelandCBIn/a6 moEU/EEA
LatviaLBn/a4-13 moEU/EEA
LithuaniaLBn/a6 moEU/EEA
LithuaniaLBn/an/aEU/EEA
LuxembourgCSSFn/a6 moEU/EEA
MaltaMFSAn/a6 moEU/EEA
NetherlandsDNBn/a6 moEU/EEA
PolandKNFn/an/aEU/EEA
SingaporeMASn/an/aDomestic
SlovakiaNBSn/an/aEU/EEA
SpainBdEn/a6 moEU/EEA
SwitzerlandFINMAn/an/aDomestic
SwitzerlandFINMAn/an/aDomestic
United Arab EmiratesCBUAEn/an/aDomestic

Values come from each country's page, where every figure has its source.

Activities this family typically covers

All licences in this family

Last verified 2026-09-24Author Danil Marmysh, Founder & CEO, ProtegraReviewed by Anastasia Sidorenkova, Head of Licensing, ProtegraReport an errorReference information, not legal advice.

Sources

  1. CRD Directive 2013/36/EU, Art. 12 (initial capital) · retrieved 2026-09-24

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