# Account information service provider registration (Malta)

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

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 registration [1] |
| --- | --- |
| Also known as | AISP · Malta AISP registration · MFSA AISP registration · Malta account information service provider |
| Issued by | [Malta Financial Services Authority](https://protegra.io/licensing/regulators/mfsa-malta/) |
| Jurisdiction | [Malta](https://protegra.io/licensing/jurisdictions/malta/) |
| Licence family | [Payment institution (PI)](https://protegra.io/licensing/licences/payment-institution/) |
| Legal basis | Directive (EU) 2015/2366 on payment services in the internal market (PSD2) [2] |
| Passporting | Domestic only |
| Application fee | EUR 1,000 [1] |
| Annual fee | EUR 5,000 (on registration and each year) [1] |
| Public register | [official register](https://euclid.eba.europa.eu/register/downloads/PSDMD/20260924/download-PSDMD-202609240000.zip) [3] |
| Current holders | 1 [3] |

## What it lets you do

| [Account information services](https://protegra.io/licensing/activities/account-information/) | Providing consolidated online information on one or more payment accounts the user holds with other providers. |
| --- | --- |

## Where it is valid

_Valid in Malta._

## Cost

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

## 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](https://protegra.io/companies/emoney-payments/).

## PI in other countries

| Country | Licence | Regulator | Min. capital | Application fee | Statutory time |
| --- | --- | --- | --- | --- | --- |
| [Czech Republic](https://protegra.io/licensing/licences/payment-institution/czech-republic-aisp/) | Account Information Service Provider authorisation | CNB |: | CZK 25,000 | ~3 mo |
| [Czech Republic](https://protegra.io/licensing/licences/payment-institution/czech-republic-small-scale/) | Small-scale Payment Service Provider authorisation | CNB |: | CZK 10,000 | ~1 mo |
| [Czech Republic](https://protegra.io/licensing/licences/payment-institution/czech-republic/) | Payment Institution licence | CNB |: | CZK 50,000 | ~3 mo |
| [Estonia](https://protegra.io/licensing/licences/payment-institution/estonia-exception/) | Payment institution operating with an exception | FI |: |: |: |
| [Estonia](https://protegra.io/licensing/licences/payment-institution/estonia/) | Operating licence as a payment institution | FI |: | EUR 3,000 | ~3 mo |
| [Georgia](https://protegra.io/licensing/licences/payment-institution/georgia/) | Payment institution licenceRegistration as a Payment Service Provider (PSP) with the National Bank of Georgia | NBG |: | GEL 5,000 |: |
| [Germany](https://protegra.io/licensing/licences/payment-institution/germany-aisp/) | Account information service provider registration | BaFin |: |: |: |
| [Germany](https://protegra.io/licensing/licences/payment-institution/germany/) | Payment institution licence | BaFin |: | EUR 13,523 | ~3 mo |
| [Ireland](https://protegra.io/licensing/licences/payment-institution/ireland/) | Payment Institution Authorisation | CBI |: |: |: |
| [Latvia](https://protegra.io/licensing/licences/payment-institution/latvia-registered/) | Registered payment institution | LB |: | EUR 2,500 | ~1.7 mo |
| [Latvia](https://protegra.io/licensing/licences/payment-institution/latvia/) | Authorised payment institution licence | LB |: | EUR 5,000 | ~3.7 mo |
| [Lithuania](https://protegra.io/licensing/licences/payment-institution/lithuania-restricted/) | Payment institution licence for restricted activity | LB |: |: |: |
| [Lithuania](https://protegra.io/licensing/licences/payment-institution/lithuania/) | Payment institution licence | LB |: | EUR 898 | ~3 mo |
| [Luxembourg](https://protegra.io/licensing/licences/payment-institution/luxembourg/) | Payment institution authorisation | CSSF |: | EUR 30,000 | ~3 mo |
| Malta | Account information service provider registration | MFSA |: | EUR 1,000 |: |
| [Malta](https://protegra.io/licensing/licences/payment-institution/malta/) | Payment institution licence | MFSA |: | EUR 10,000 | ~3 mo |
| [Netherlands](https://protegra.io/licensing/licences/payment-institution/netherlands/) | Payment institution licencePayment institution licence (Vergunning betaalinstelling) | DNB |: | EUR 6,800 | ~3 mo |
| [Poland](https://protegra.io/licensing/licences/payment-institution/poland-aisp/) | Account Information Service Provider registration | KNF |: |: |: |
| [Poland](https://protegra.io/licensing/licences/payment-institution/poland-kip/) | National Payment Institution licence | KNF |: | EUR 1,250 | ~3 mo |
| [Poland](https://protegra.io/licensing/licences/payment-institution/poland-mip/) | Small Payment Institution registration | KNF |: | PLN 616 | ~3 mo |
| [Singapore](https://protegra.io/licensing/licences/payment-institution/singapore-mpi/) | Major Payment Institution Licence | MAS |: | SGD 1,500 |: |
| [Singapore](https://protegra.io/licensing/licences/payment-institution/singapore-spi/) | Standard Payment Institution Licence | MAS |: | SGD 1,000 |: |
| [Slovakia](https://protegra.io/licensing/licences/payment-institution/slovakia/) | Payment institution licence | NBS |: |: | ~3 mo |
| [Spain](https://protegra.io/licensing/licences/payment-institution/spain/) | Payment institution authorization | BdE |: |: | ~3 mo |
| [United Arab Emirates](https://protegra.io/licensing/licences/payment-institution/uae-rps/) | Retail Payment Services Licence (Categories I to IV) | CBUAE |: |: | ~2.8 mo |
| [United Kingdom](https://protegra.io/licensing/licences/payment-institution/united-kingdom-raisp/) | Registered Account Information Service Provider (RAISP) | FCA |: | GBP 1,130 |: |
| [United Kingdom](https://protegra.io/licensing/licences/payment-institution/united-kingdom-spi/) | Small Payment Institution (SPI) Registration | FCA |: | GBP 1,130 |: |
| [United Kingdom](https://protegra.io/licensing/licences/payment-institution/united-kingdom/) | Authorised Payment Institution (API) | FCA |: | 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](https://protegra.io/licensing/laws/eu-psd2-2015-2366/): Directive (EU) 2015/2366

## Sources

1. [Laws of Malta (PDF)](https://legislation.mt/getpdf/678e17bf0dba9f09507842db): retrieved 2026-09-24
2. [EUR-Lex: CELEX 32015L2366](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015L2366): retrieved 2026-09-24
3. [euclid.eba.europa.eu: download PSDMD 202609240000.zip](https://euclid.eba.europa.eu/register/downloads/PSDMD/20260924/download-PSDMD-202609240000.zip): retrieved 2026-09-24
4. [Laws of Malta (PDF)](https://legislation.mt/getpdf/683418610db9942428cf9d49): 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.