Germany
DEEuropean UnionEuropean Economic Area
Regulator
BaFinRegimes
3
BaFin
Companies
24
24 active licences
Passporting in
87
29 home states
Activities
20
/ 25
PROVENANCE
0% registry100% document0% inferred
REGIMES IN THIS JURISDICTION
click a tier for its sourceREGIME · STATUTEACTSMIN CAPITALTIMELINEAPPLICATION FEE
E-Money Institution / GermanyEMD2, ZAG · BaFin
Account information services, Cash withdrawal from a payment account, Execute payment transactions (direct debits, card payments, credit transfers) +710/25 · 14 holders
EUR 350,000 source
3 months source
no data
→Payment Institution / GermanyPSD2, ZAG · BaFin
Account information services, Cash withdrawal from a payment account, Execute payment transactions (direct debits, card payments, credit transfers) +69/25 · 2 holders
EUR 125,000 source
3 months source
EUR 13,523 source
→MiCA CASP / GermanyMiCA, KMAG · BaFin
Exchange crypto-assets for funds, Exchange crypto-assets for other crypto-assets, Execute orders for crypto-assets on behalf of clients +710/25 · 10 holders
EUR 50,000–150,000 source
no data
no data
→Licences issued here
24 active · 2 withdrawn or applied forSource: BaFin’s public register, read 1 Sep 2026
| Company | Regulator | Licence | Covers | Granted |
|---|---|---|---|---|
| AllUnity GmbH | BaFin | E-Money Institution | PaymentsE-money | 01 Jul 2025 |
| APS AVIA Payment Service GmbH | BaFin | E-Money Institution | PaymentsE-money | 02 Jan 2024 |
| B2Mobility GmbH | BaFin | E-Money Institution | PaymentsE-money | 20 Dec 2019 |
| Baader Bank Aktiengesellschaft | BaFin | MiCA CASP | Crypto | 16 May 2025 |
| BitGo Europe GmbH | BaFin | MiCA CASP | Crypto | 09 May 2025 |
| Boerse Stuttgart Digital Custody GmbH | BaFin | MiCA CASP | Crypto | 17 Jan 2025 |
| DekaBank Deutsche Girozentrale | BaFin | MiCA CASP | Crypto | 01 Dec 2025 |
| DZ BANK AG Deutsche Zentral-Genossenschaftsbank | BaFin | MiCA CASP | Crypto | 23 Dec 2025 |
| First Data GmbH | BaFin | E-Money Institution | PaymentsE-money | 04 Sep 2018 |
| flatexDEGIRO Bank SE | BaFin | MiCA CASP | Crypto | 04 Apr 2025 |
| Hauck Aufhäuser Digital Custody GmbH | BaFin | MiCA CASP | Crypto | 28 Nov 2025 |
| Moss GmbH | BaFin | E-Money Institution | PaymentsE-money | 29 Jun 2022 |
| N26 Bank SE | BaFin | MiCA CASP | Crypto | 14 May 2025 |
| Nexi Germany GmbH | BaFin | E-Money Institution | PaymentsE-money | 11 Jul 2018 |
| PayCenter GmbH | BaFin | E-Money Institution | PaymentsE-money | 13 Jul 2018 |
| PAYONE GmbH | BaFin | E-Money Institution | PaymentsE-money | 13 Jul 2018 |
| Ratepay GmbH | BaFin | Payment Institution | Payments | not published |
| Reisebank AG | BaFin | E-Money Institution | PaymentsE-money | 08 Apr 2021 |
| RS2 Financial Services GmbH | BaFin | E-Money Institution | PaymentsE-money | 01 Jun 2021 |
| Tangany GmbH | BaFin | MiCA CASP | Crypto | 08 Aug 2025 |
| Trade Republic Bank GmbH | BaFin | MiCA CASP | Crypto | 24 Apr 2025 |
| Unzer E-Com GmbH | BaFin | Payment Institution | Payments | not published |
| VR Payment GmbH | BaFin | E-Money Institution | PaymentsE-money | 05 Jul 2018 |
| Zalando Payments GmbH | BaFin | E-Money Institution | PaymentsE-money | 06 May 2019 |
| Deutsche Post Zahlungsdienste GmbH | BaFin | E-Money InstitutionWithdrawn | PaymentsE-money | 13 Jul 2018 |
| Esprit Card Services GmbH | BaFin | E-Money InstitutionWithdrawn | PaymentsE-money | 29 Jun 2018 |
INBOUND PASSPORTING — REGIMES ELSEWHERE THAT REACH THIS MARKET
HOME REGIMEINBOUND PASSPORTING — REGIMES ELSEWHERE THAT REACH THIS MARKET
87HOME REGIMEMODENOTIFICATIONHOST CONDITIONSACTS
ACTIVITIES PERMITTED IN THIS JURISDICTION
20Account information servicesConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Cash withdrawal from a payment accountConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Exchange crypto-assets for fundsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Exchange crypto-assets for other crypto-assetsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Execute orders for crypto-assets on behalf of clientsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Execute payment transactions (direct debits, card payments, credit transfers)Conferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Execute payment transactions funded by a credit lineConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Issue electronic moneyConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary)
Issue IBAN accounts in the institution's own nameConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Issue payment instruments and/or acquire payment transactionsConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Money remittanceConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Operate a trading platform for crypto-assetsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Payment initiation servicesConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Place cash on a payment accountConferred by E-Money Institution / Germany (for consumer, sme, corporate, via-intermediary); Payment Institution / Germany (for consumer, sme, corporate, via-intermediary)
Place crypto-assetsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Provide advice on crypto-assetsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Provide custody and administration of crypto-assets on behalf of clientsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Provide portfolio management on crypto-assetsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Provide transfer services for crypto-assets on behalf of clientsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
Receive and transmit orders for crypto-assets on behalf of clientsConferred by MiCA CASP / Germany (for consumer, sme, corporate, regulated-fi)
PRODUCTS AVAILABLE HERE
5PRODUCTCLIENT TYPESTATUSMISSING ACTIVITIES
Stablecoin custodyconsumer · SME · corporate · regulated FIfullhypothetical—
via intermediarynoneProvide custody and administration of crypto-assets on behalf of clients
Crypto off-ramp (crypto to fiat payout)consumer · SME · corporateconditionalhypothetical—
via intermediarynoneExchange crypto-assets for funds
regulated FInoneExecute payment transactions (direct debits, card payments, credit transfers)
Crypto on-ramp (fiat to crypto)consumer · SME · corporateconditionalhypothetical—
via intermediarynoneExchange crypto-assets for funds
regulated FInoneExecute payment transactions (direct debits, card payments, credit transfers)
IBAN accountsconsumer · SME · corporate · via intermediaryconditionalhypothetical—
regulated FInonePlace cash on a payment account, Cash withdrawal from a payment account, Execute payment transactions (direct debits, card payments, credit transfers), Issue IBAN accounts in the institution's own name
Stablecoin orchestrationconsumer · SME · corporateconditionalhypothetical—
via intermediarynoneProvide custody and administration of crypto-assets on behalf of clients, Exchange crypto-assets for funds
regulated FInoneExecute payment transactions (direct debits, card payments, credit transfers)
Card issuingconsumer · SME · corporate · via intermediarynoneIssue card-based payment instruments (card issuing)
regulated FInoneIssue payment instruments and/or acquire payment transactions, Issue card-based payment instruments (card issuing)
Cross-border remittanceconsumer · SME · corporate · via intermediarynoneCross-border remittance as a distinct commercial activity
regulated FInoneCross-border remittance as a distinct commercial activity, Money remittance
Merchant collectionsconsumer · SME · corporate · via intermediarynoneAcquire card-based payment transactions (card acquiring)
regulated FInoneAcquire card-based payment transactions (card acquiring), Execute payment transactions (direct debits, card payments, credit transfers)
Payoutsconsumer · SME · corporate · via intermediarynoneCurrency conversion (FX) as a service
regulated FInoneCurrency conversion (FX) as a service, Execute payment transactions (direct debits, card payments, credit transfers)
CHANGES
Nothing to show yet. A change log needs two snapshots to compare, and history only began being recorded on 2026-08-14 — the builds captured so far differ by zero values. Rather than back-fill invented history, this fills in as the corpus actually moves.
Need this implemented in your product?
I turn requirements like these into flows, vendor setups, tests and audit evidence.
Jurisdiction: Germany