Account information service provider registration (Germany)
The Account information service provider registration (Registrierung als Kontoinformationsdienstleister nach § 34 ZAG) is issued by Federal Financial Supervisory Authority (BaFin) under Payment Services Supervision Act (Zahlungsdiensteaufsichtsgesetz - ZAG). It is a national licence: it does not give a passport to other EU/EEA states. The official register lists 13 current holders. Ownership changes need the regulator's approval before completion.
At a glance
| Official name | Account information service provider registration1 |
|---|---|
| Local name | Registrierung als Kontoinformationsdienstleister nach § 34 ZAG |
| Also known as | AISP · Kontoinformationsdienstleister · German AISP registration · BaFin AISP registration · ZAG § 34 registration |
| Issued by | Federal Financial Supervisory Authority |
| Jurisdiction | Germany |
| Licence family | Payment institution (PI) |
| Legal basis | Payment Services Supervision Act (Zahlungsdiensteaufsichtsgesetz - ZAG)2 Directive (EU) 2015/2366 on payment services in the internal market (PSD2)3 |
| Passporting | Domestic only |
| Public register | official register4 |
| Current holders | 134 |
What it lets you do
| Account information services | Providing consolidated online information on one or more payment accounts the user holds with other providers. |
|---|
Where it is valid
Buying a company that already holds it
Prior notification with an objection period. Acquiring or increasing a qualifying holding reaching or crossing 10%, 20%, 30%, or 50% of capital or voting rights, or gaining control of a credit institution, payment institution, or investment firm, requires prior written notification to BaFin and the Deutsche Bundesbank. BaFin conducts an assessment of acquirer reliability, professional competence, financial soundness, and money laundering risks within 60 working days from receipt of a complete filing, interruptible once by up to 20 working days (or 30 working days if non-EEA) to request additional information, under Section 2c KWG, applied mutatis mutandis to payment and e-money institutions via Section 14 ZAG and to investment firms via Section 24 WpIG.5
PI in other countries
| Country | Licence | Regulator | Min. capital | Application fee | Statutory time |
|---|---|---|---|---|---|
| Czech Republic | Account Information Service Provider authorisation | CNB | n/a | CZK 25,000 | ~3 mo |
| Czech Republic | Small-scale Payment Service Provider authorisation | CNB | n/a | CZK 10,000 | ~1 mo |
| Czech Republic | Payment Institution licence | CNB | n/a | CZK 50,000 | ~3 mo |
| Estonia | Payment institution operating with an exception | FI | n/a | n/a | n/a |
| Estonia | Operating licence as a payment institution | FI | n/a | EUR 3,000 | ~3 mo |
| Georgia | Payment institution licenceRegistration as a Payment Service Provider (PSP) with the National Bank of Georgia | NBG | n/a | GEL 5,000 | n/a |
| Germany | Account information service provider registration | BaFin | n/a | n/a | n/a |
| Germany | Payment institution licence | BaFin | n/a | EUR 13,523 | ~3 mo |
| Ireland | Payment Institution Authorisation | CBI | n/a | n/a | n/a |
| Latvia | Registered payment institution | LB | n/a | EUR 2,500 | ~1.7 mo |
| Latvia | Authorised payment institution licence | LB | n/a | EUR 5,000 | ~3.7 mo |
| Lithuania | Payment institution licence for restricted activity | LB | n/a | n/a | n/a |
| Lithuania | Payment institution licence | LB | n/a | EUR 898 | ~3 mo |
| Luxembourg | Payment institution authorisation | CSSF | n/a | EUR 30,000 | ~3 mo |
| Malta | Account information service provider registration | MFSA | n/a | EUR 1,000 | n/a |
| Malta | Payment institution licence | MFSA | n/a | EUR 10,000 | ~3 mo |
| Netherlands | Payment institution licencePayment institution licence (Vergunning betaalinstelling) | DNB | n/a | EUR 6,800 | ~3 mo |
| Poland | Account Information Service Provider registration | KNF | n/a | n/a | n/a |
| Poland | National Payment Institution licence | KNF | n/a | EUR 1,250 | ~3 mo |
| Poland | Small Payment Institution registration | KNF | n/a | PLN 616 | ~3 mo |
| Singapore | Major Payment Institution Licence | MAS | n/a | SGD 1,500 | n/a |
| Singapore | Standard Payment Institution Licence | MAS | n/a | SGD 1,000 | n/a |
| Slovakia | Payment institution licence | NBS | n/a | n/a | ~3 mo |
| Spain | Payment institution authorization | BdE | n/a | n/a | ~3 mo |
| United Arab Emirates | Retail Payment Services Licence (Categories I to IV) | CBUAE | n/a | n/a | ~2.8 mo |
| United Kingdom | Registered Account Information Service Provider (RAISP) | FCA | n/a | GBP 1,130 | n/a |
| United Kingdom | Small Payment Institution (SPI) Registration | FCA | n/a | GBP 1,130 | n/a |
| United Kingdom | Authorised Payment Institution (API) | FCA | n/a | GBP 5,640 | ~3 mo |
Values come from each licence's page, where every figure has its source.
Laws behind it
- Directive (EU) 2015/2366 on payment services in the internal market: Directive (EU) 2015/2366
Sources
- gesetze-im-internet.de: 34 · retrieved 2026-09-24
- gesetze-im-internet.de: zag 2018 · retrieved 2026-09-24
- EUR-Lex: CELEX 32015L2366 · retrieved 2026-09-24
- portal.mvp.bafin.de · retrieved 2026-09-24
- gesetze-im-internet.de: 2c · retrieved 2026-09-24
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