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Europe

Switzerland

A banking-lite 'fintech licence' sits between full banking and no licence at all.

3 licences · 0 institutions

Regulator sites

Licence types

3

What the regime looks like

  • Banking licenceBanking licenceFull FINMA banking licence — deposit-taking and lending.Banking & deposit-takingOfficial source
  • Fintech licence (banking lite)Fintech licenceDeposit-taking up to CHF 100 million without lending or interest — a lighter route to hold client money.Banking & deposit-takingOfficial source
  • Payment system operator & DLT trading facilityPSO / DLTFINMA authorisation for payment systems and, under the DLT Act, for DLT trading facilities.Payment institution / PSPOfficial source

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Region

A curated reference, not legal advice and not exhaustive. Confirm the scope of any licence with its regulator before relying on it.