# Account Information Service Provider authorisation (povolení k činnosti správce informací o platebním účtu) (Czech Republic)

Source page: https://protegra.io/licensing/licences/payment-institution/czech-republic-aisp/

The Account Information Service Provider authorisation (povolení k činnosti správce informací o platebním účtu) is issued by Czech National Bank (CNB) under Act No. 370/2017 Coll. on Payment Systems. It is a national licence: it does not give a passport to other EU/EEA states. The official register lists 3 current holders. The legal decision period is 3 months from commencement of proceedings. The application fee is CZK 25,000.

## At a glance

| Official name | Account Information Service Provider authorisation (povolení k činnosti správce informací o platebním účtu) [1] |
| --- | --- |
| Issued by | [Czech National Bank](https://protegra.io/licensing/regulators/cnb-czechia/) |
| Jurisdiction | [Czech Republic](https://protegra.io/licensing/jurisdictions/czech-republic/) |
| Licence family | [Payment institution (PI)](https://protegra.io/licensing/licences/payment-institution/) |
| Legal basis | Act No. 370/2017 Coll. on Payment Systems [2]; Directive (EU) 2015/2366 on payment services in the internal market (PSD2) [3] |
| Passporting | Domestic only |
| Application fee | CZK 25,000 [4] |
| Statutory decision time | 3 months from commencement of proceedings [2] |
| Public register | [official register](https://www.cnb.cz/export/sites/cnb/en/supervision-financial-market/.galleries/aggregate_information_financial_sector/financial_market_supervision_reports/download/fms_2024.pdf) [5] |
| Current holders | 3 [5] |

## What it lets you do

- [Account information services](https://protegra.io/licensing/activities/account-information/)

- **Account information services.** Providing consolidated online information on one or more payment accounts the user holds with other providers.

## Where it is valid

_Valid in Czech Republic._

## Cost

_Regulatory costs from the official sources above. Professional fees, staff, office and audit come on top and depend on the business model._

## How long it takes

Statutory: 3 months from commencement of proceedings [2]. Observed: not published. The statutory clock usually starts only when the regulator treats the application as complete, and pauses while it waits for answers to its questions.

## Buying a company that already holds it

**Prior notification with an objection period.** Under Section 18 of the Payment Systems Act (Act No. 370/2017 Coll.), any person or persons acting in concert intending to acquire, dispose of, or increase a qualifying holding in a payment institution or electronic money institution reaching or exceeding 20%, 30%, or 50% of voting rights or capital, or become the controlling person, must notify the CNB in advance via electronic filing. The CNB assesses the trustworthiness and suitability of the proposed acquirer within a statutory 60-working-day window and may initiate proceedings to issue a formal objection (vyslovení nesouhlasu). In the absence of an objection or upon affirmative notification, the acquisition may proceed. Acquiring qualifying holdings in breach of notification or objection leads to statutory forfeiture of voting rights. In contrast, for banks and investment firms under Act No. 21/1992 Coll. and Act No. 256/2004 Coll., prior approval (předchozí souhlas) is required subject to a CZK 20,000 fee under Item 66 of Act No. 634/2004 Coll. Small-scale providers (PPSMR/VEPMR) are exempt from change-of-control clearance. [2]

## Laws behind it

- [Directive (EU) 2015/2366 on payment services in the internal market](https://protegra.io/licensing/laws/eu-psd2-2015-2366/): Directive (EU) 2015/2366

## Sources

1. [cnb.cz: licensing and approval proceedings payment institutions](https://www.cnb.cz/en/supervision-financial-market/conduct-of-supervision/licensing-and-approval-proceedings/licensing-and-approval-proceedings-payment-institutions/): retrieved 2026-09-24
2. [zakonyprolidi.cz: 2017 370](https://www.zakonyprolidi.cz/cs/2017-370): retrieved 2026-09-24
3. [eur-lex.europa.eu: TXT (32015L2366)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L2366): retrieved 2026-09-24
4. [zakonyprolidi.cz: 2004 634](https://www.zakonyprolidi.cz/cs/2004-634): retrieved 2026-09-24
5. [cnb.cz: fms 2024 (PDF)](https://www.cnb.cz/export/sites/cnb/en/supervision-financial-market/.galleries/aggregate_information_financial_sector/financial_market_supervision_reports/download/fms_2024.pdf): retrieved 2026-09-24

Last verified 2026-09-24 · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.