# Payment institution licence (povolenie na poskytovanie platobných služieb bez obmedzenia rozsahu) (Slovakia)

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

The Payment institution licence (povolenie na poskytovanie platobných služieb bez obmedzenia rozsahu) is issued by National Bank of Slovakia (NBS) under Act No 492/2009 on payment services (and amending certain laws). It can be passported to the other EU/EEA states by notification. The legal decision period is 3 months from receipt of a complete application, extendable by 1 month (Act No. 492/2009 Coll. on payment services, § 67(3)).

## At a glance

| Official name | Payment institution licence (povolenie na poskytovanie platobných služieb bez obmedzenia rozsahu) [1] |
| --- | --- |
| Issued by | [National Bank of Slovakia](https://protegra.io/licensing/regulators/nbs-slovakia/) |
| Jurisdiction | [Slovakia](https://protegra.io/licensing/jurisdictions/slovakia/) |
| Licence family | [Payment institution (PI)](https://protegra.io/licensing/licences/payment-institution/) |
| Legal basis | Act No 492/2009 on payment services (and amending certain laws) [2]; Directive (EU) 2015/2366 on payment services in the internal market (PSD2) [3] |
| Passporting | EU/EEA passport available |
| Statutory decision time | 3 months from receipt of a complete application, extendable by 1 month (Act No. 492/2009 Coll. on payment services, § 67(3)) [2] |

## What it lets you do

- [Execution of payment transactions](https://protegra.io/licensing/activities/payment-execution/)
- [Money remittance](https://protegra.io/licensing/activities/money-remittance/)
- [Issuing payment instruments and acquiring payment transactions](https://protegra.io/licensing/activities/card-issuing-acquiring/)
- [Payment initiation services](https://protegra.io/licensing/activities/payment-initiation/)
- [Account information services](https://protegra.io/licensing/activities/account-information/)

- **Execution of payment transactions.** Executing direct debits, card payments and credit transfers, including standing orders, from a payment account.
- **Money remittance.** Receiving funds from a payer solely to transfer them to a payee or another provider, without opening payment accounts.
- **Issuing payment instruments and acquiring payment transactions.** Issuing cards or other payment instruments to payers, and acquiring card and other payment transactions for merchants.
- **Payment initiation services.** Initiating a payment order at the user's request from an account held with another provider, as in open banking.
- **Account information services.** Providing consolidated online information on one or more payment accounts the user holds with other providers.

## Where it is valid

_Issued in Slovakia (gold); can be passported to the other EU/EEA states (blue) by notification._

## How long it takes

Statutory: 3 months from receipt of a complete application, extendable by 1 month (Act No. 492/2009 Coll. on payment services, § 67(3)) [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 approval required.**

## 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. [subjekty.nbs.sk](https://subjekty.nbs.sk/?c=938): retrieved 2026-09-24
2. [slov-lex.sk: 492](https://www.slov-lex.sk/pravne-predpisy/SK/ZZ/2009/492/): retrieved 2026-09-24
3. [eur-lex.europa.eu: HTML (32015L2366)](https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32015L2366): 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.