A licence is granted by the regulator, never by us. Our work is the application file — business plan, policies, governance, capital and people — its submission, the answers to the regulator's questions and the follow-up until the decision.
Every licence below shows its starting fee or says it is quoted after review. Tell us your activity and target market: we answer with the licences that fit and a firm quote before anything is signed.
Licences
Banks and credit institutions
- Universal bank / credit institution authorisationEU / euro area · from €329,990
- Specialised / niche bankEU / EEA · from €310,390
- Digital bank / neobank with a banking licenceEU / EEA · from €329,990
- Branch of a third-country bankEU / EEA · from €303,990
- Acquisition of a bank / qualifying holdingEU / EEA · from €256,890
- Banking authorisationUnited Kingdom — PRA/FCA · from €329,990
- Banking licenceSwitzerland — FINMA · from €369,990
- Commercial / digital bank licenceUnited Arab Emirates — CBUAE · from €369,990
- Representative office / bank branchthe selected jurisdiction · from €139,990
- FinTech licence / deposit-takingSwitzerland — FINMA · on quote
- International banking licencethe selected jurisdiction · on quote
E-money, payment institutions and open banking
- Electronic money institution (EMI) authorisationEU / EEA · from €87,390
- Payment institution (PI) authorisationEU / EEA · from €90,790
- Small EMI registrationEU / EEA — per national regime · from €42,590
- Small PI registrationEU / EEA — per national regime · from €59,290
- AISP — account information servicesEU / EEA · from €59,290
- PISP — payment initiation servicesEU / EEA · from €90,790
- Combined AISP + PISPEU / EEA · from €90,790
- Agent registrationEU / EEA · from €22,345
- E-money distributor registrationEU / EEA · from €22,345
- European passportEU / EEA · from €11,290
- Extension / variation of permissionsEU / EEA · from €24,990
- Acquisition / change of controlEU / EEA · from €16,690
- Safeguarding arrangements designEU / EEA · from €20,990
- Safeguarding audit / remediationEU / EEA / United Kingdom · from €25,990
- DORA / ICT readiness for a payment institutionEU / EEA · from €29,990
- Authorised Electronic Money Institution (AEMI)United Kingdom — FCA · from €111,701
- Authorised Payment Institution (API)United Kingdom — FCA · from €111,701
- Small EMI / Small PIUnited Kingdom — FCA · from €88,890
- Registered AISP (RAISP)United Kingdom — FCA · from €59,290
Currency exchange, MSB and money transmission
- Bureau de change / currency exchange officeUnited Kingdom — HMRC · from €11,990
- Money remittance / money transmissionUnited Kingdom — FCA + HMRC · from €75,590
- Federal FinCEN registrationUnited States · from €5,590
- Money transmitter licence — one StateUnited States · from €14,490
- MSB registrationCanada — FINTRAC · from €17,790
- Foreign MSB registrationCanada — FINTRAC · from €16,690
- Exchange licence — exchange-only categoryUnited Arab Emirates — CBUAE · from €95,690
- Exchange + transfers / remittance licenceUnited Arab Emirates — CBUAE · from €95,690
- SRO affiliation and AML supervisionSwitzerland · from €38,890
- Remittance service provider registrationAustralia — AUSTRAC · from €31,284
- Digital Currency Exchange registrationAustralia — AUSTRAC · from €29,290
- Money Service Operator licenceHong Kong — C&ED · from €32,990
- Standard Payment InstitutionSingapore — MAS · from €108,290
- Major Payment InstitutionSingapore — MAS · from €192,290
- Bureau de change licencethe selected jurisdiction · from €32,990
- Money Transfer Operator (MTO) licencethe selected jurisdiction · from €32,990
- Multi-branch exchange networkthe selected jurisdiction · from €33,090
- Multi-State money transmitter programmeUnited States · on quote
MiCA, CASP and digital assets
- CASP authorisation — class 1EU / EEA · from €87,990
- CASP authorisation — class 2EU / EEA · from €87,990
- CASP custody + crypto/fiat and crypto/crypto exchangeEU / EEA · from €87,990
- CASP advice / management / order transmissionEU / EEA · from €87,990
- CASP authorisation file — regulatory packEU / EEA · from €64,990
- Gap analysis / readiness assessmentEU / EEA · from €9,990
- CASP policies and governanceEU / EEA · from €3,890
- ICT, cybersecurity and DORA pack for a CASPEU / EEA · from €7,190
- CASP passportEU / EEA · from €11,290
- Extension of CASP servicesEU / EEA · from €24,990
- CASP acquisition / change of controlEU / EEA · from €64,690
- Asset-referenced token (ART) issuer authorisationEU / EEA · from €199,990
- E-money token (EMT) issuerEU / EEA · from €79,690
- Crypto-asset white paperEU / EEA · from €16,090
- TFR / crypto Travel Rule complianceEU / EEA · from €20,990
- SRO affiliation for crypto activitySwitzerland · from €29,190
- CASP authorisation — class 3EU / EEA · on quote
- CASP trading platformEU / EEA · on quote
- VASP registration / licence outside the EUthe selected jurisdiction · on quote
- Virtual Asset Service Provider licenceDubai — VARA · on quote
- Virtual assets licenceAbu Dhabi — ADGM/FSRA · on quote
Acquiring, cards, payment rails and BaaS
- Merchant acquiring permissionEU / EEA / United Kingdom · from €87,390
- Payment gateway regulatory structurethe selected jurisdiction · from €40,000
- Card issuing programmeEurope / United Kingdom · from €74,990
- BIN sponsorship fileEurope / United Kingdom · from €29,990
- Principal Visa / Mastercard membershipeligibility · from €49,990
- Sponsor bank search and onboardingthe selected jurisdiction · from €17,790
- Indirect SEPA / sponsor onboardingEU / EEA · from €25,990
- BIC and SWIFT onboardingInternational · from €25,990
- White-label Banking-as-a-Service programmeEurope / United Kingdom · from €12,190
- Payment orchestration architectureInternational · from €39,990
- Merchant of Record set-upInternational · from €49,990
- Processor / core banking / ledger RFPInternational · from €20,990
Investment, brokerage, funds and markets
- ECSP authorisationEU / EEA · from €87,590
- AIFM authorisationEU / EEA · from €199,990
- UCITS ManCo authorisationEU / EEA · from €269,990
- Fund administrator / transfer agent licencethe selected jurisdiction · from €119,090
- MTF / OTF / market operator authorisationEU / EEA · from €752,790
- DLT market infrastructureEU / EEA · from €701,590
- Tied agent registrationEU / EEA · from €20,690
- Acquisition / change of control of a regulated firmEU / EEA · from €78,190
- Investment firm authorisationEU / EEA · on quote
- Forex / CFD broker licencethe selected jurisdiction · on quote
- Broker-dealer licencethe selected jurisdiction · on quote
- Portfolio management / investment adviceEU / EEA · on quote
Compliance, substance and regulatory operations
- Regulatory diagnosis and choice of licenceAll jurisdictions · from €8,890
- Programme of operations / regulatory business planAll jurisdictions · from €3,490
- 3-year prudential financial modelAll jurisdictions · from €14,990
- Operating procedures packAll jurisdictions · from €8,690
- Full AML/KYC/CFT frameworkAll jurisdictions · from €3,690
- Enterprise-wide risk assessmentAll jurisdictions · from €5,690
- Governance, conflicts and committees packAll jurisdictions · from €3,990
- Files for directors / qualifying shareholdersAll jurisdictions · from €7,190
- Recruitment / set-up of the regulatory teamthe selected jurisdiction · from €25,990
- Local director / independent board memberthe selected jurisdiction · from €10,090
- Outsourced compliance officerthe selected jurisdiction · from €23,363
- Outsourced MLROthe selected jurisdiction · from €23,363
- Regulatory internal auditAll jurisdictions · from €4,900
- Recurring regulatory reportingAll jurisdictions · from €19,590
- ICAAP / ILAAP / capital planBank / regulated firm · from €39,990
- Regulatory remediation planAll jurisdictions · from €4,900
- On-site inspection preparationAll jurisdictions · from €4,900
- Regulatory data room and evidence packAll jurisdictions · from €14,990
- Regulatory watch and policy updatesAll jurisdictions · from €22,890
- Annual licence renewalAll jurisdictions · on quote
Questions
Who operates LicenceDesk?
LicenceDesk is a service of AquaSands Trading AG, a Swiss stock corporation (Aktiengesellschaft, AG), c/o Kaurum GmbH, Hasenbüelweg 32, 6300 Zug, Switzerland. Orders, invoices and contracts are with AquaSands Trading AG.