E-Money Institution / Germany

EMD2 · ZAG · supervised by BaFin · DE Germany

CapitalEUR 350,000 sourceTimeline3 months source

Granted activities

by client type

ActivityCONSUMERSMECORPORATEREG. FIVIA INTERMED.

Issue electronic moneyvia-intermediary permitted via EMD2 Art 3(4) distributors; EMIs may not issue e-money through agents (Art 3(5)), only distribute/redeem Conditional Conditional Conditional None Conditional

Place cash on a payment accountErbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1) Conditional Conditional Conditional None Conditional

Cash withdrawal from a payment accountErbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1) Conditional Conditional Conditional None Conditional

Execute payment transactions (direct debits, card payments, credit transfers)Erbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1) Conditional Conditional Conditional None Conditional

Execute payment transactions funded by a credit lineErbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1); Kreditgewährung nur nach Maßgabe des § 3 ZAG Conditional Conditional Conditional None Conditional

Issue payment instruments and/or acquire payment transactionsErbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1) Conditional Conditional Conditional None Conditional

Money remittanceErbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1) Conditional Conditional Conditional None Conditional

Payment initiation servicesErbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1) Conditional Conditional Conditional None Conditional

Account information servicesErbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1) Conditional Conditional Conditional None Conditional

Issue IBAN accounts in the institution's own nameErbringung von Zahlungsdiensten umfasst von der E-Geld-Erlaubnis (ZAG § 11 Abs. 1 Satz 2 Nr. 1) Conditional Conditional Conditional None Conditional

Conditional: the grant carries the conditions listed under the activity.

Requirements

Minimum capitalEUR 350,000 source

Typical timeline to authorisation3 months source

Passporting reach

freedom-of-services · notification

FR NL IE LT LU MT BE ES IT PL SE DK EE CY AT BG HR CZ FI GR HU LV PT RO SK SI IS LI NO

Holders

14 in this corpus

CompanyRegister idStatus

AllUnity GmbH163815register · look up 163815Aauthorised

APS AVIA Payment Service GmbH160094register · look up 160094Aauthorised

Moss GmbH159024register · look up 159024Aauthorised

Nexi Germany GmbH122964register · look up 122964Aauthorised

VR Payment GmbH124190register · look up 124190Aauthorised

RS2 Financial Services GmbH156959register · look up 156959Aauthorised

Reisebank AG108643register · look up 108643Aauthorised

B2Mobility GmbH151429register · look up 151429Aauthorised

Deutsche Post Zahlungsdienste GmbH123556register · look up 123556Awithdrawn

First Data GmbH122281register · look up 122281Aauthorised

PAYONE GmbH123367register · look up 123367Aauthorised

PayCenter GmbH125314register · look up 125314Aauthorised

Zalando Payments GmbH149040register · look up 149040Aauthorised

Esprit Card Services GmbH119636register · look up 119636Awithdrawn

Products unlocked

IBAN accounts1 marketconsumer · sme · corporate · via-intermediary

Derived business models

Computed from granted activities × permitted client types × passporting mode — not an opinion label.

B2CCONSUMER · 10 activities granted

B2BSME +1 · 10 activities granted

Open questions on this regime

No open questions recorded against this regime.

Resolved coverage in germany

COVERED

Germany10

Account information

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Cash placement

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Cash withdrawal

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Execute payment transactions

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Execute payment transactions credit line

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Issue acquire payment instruments

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Issue emoney

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Issue iban own name

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Money remittance

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

Payment initiation

own licenceconsumer · SME · corporate · via intermediaryconditionalhypothetical

UNVERIFIED — CLAIMED, NOT TRACEABLE TO A LICENCE

No unverified rows.

Passported reach (29 further jurisdictions)

Where this licence can passport to. No holder in this corpus is registered in any of them, so every row here is what the licence would permit if held, never proof that it is.

COVERED

France1

Issue emoney