Account information service provider registration (Malta)
The Account information service provider registration is issued by Malta Financial Services Authority (MFSA) under Directive (EU) 2015/2366 on payment services in the internal market (PSD2). It is a national licence: it does not give a passport to other EU/EEA states. The official register lists 1 current holder. The application fee is EUR 1,000. Ownership changes need the regulator's approval before completion.
At a glance
| Official name | Account information service provider registration1 |
|---|---|
| Also known as | AISP · Malta AISP registration · MFSA AISP registration · Malta account information service provider |
| Issued by | Malta Financial Services Authority |
| Jurisdiction | Malta |
| Licence family | Payment institution (PI) |
| Legal basis | Directive (EU) 2015/2366 on payment services in the internal market (PSD2)2 |
| Passporting | Domestic only |
| Application fee | EUR 1,0001 |
| Annual fee | EUR 5,000 (on registration and each year)1 |
| Public register | official register3 |
| Current holders | 13 |
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
Cost
Buying a company that already holds it
Prior approval required. Acquiring or increasing a qualifying holding needs the MFSA's prior approval. For payment and e-money institutions the Financial Institutions Act sets the thresholds at 20%, 30% and 50%; for banks the Banking Act adds a 60-working-day assessment period that can be extended.4
Ready-made companies holding this licence: see verified positions.
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
- Laws of Malta (PDF) · retrieved 2026-09-24
- EUR-Lex: CELEX 32015L2366 · retrieved 2026-09-24
- euclid.eba.europa.eu: download PSDMD 202609240000.zip · retrieved 2026-09-24
- Laws of Malta (PDF) · retrieved 2026-09-24
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