The Slovenian EMI/PSP license is a business authorization that a company can obtain when engaging in fintech activities. Our Slovenian company formation agents can assist with the setup and licensing procedure for an electronic money institution (EMI) or payment services provider (PSP). Below, we invite you to read about the registration procedure and the solutions we can help with.
Table of Contents
Company registration – the first step to open an EMI/PSP company in Slovenia
To legally operate in Slovenia and obtain an EMI license, an investor must first register a business. The procedure is the same as for any other enterprise in any sector, specifically:
- trading name reservation;
- bank account opening;
- legal address establishment;
- Trade Register incorporation;
- tax registration;
- licensing.
Apart from the standard steps, there are a few particularities that need to be observed when operating in the fintech sector. PSP and EMI companies in Slovenia are subject to specific minimum share capital requisites. The amount required is at least EUR 350,000. This is why the public company is recommended for such activities.
It is also possible to apply for an EMI or PSP license in Slovenia for a foreign company, and the main condition for issuance in this case is having a local place of management. The branch office may be a suitable option, given the nature of its activities.
How to obtain an EMI license in Slovenia
Applications for Slovenian PSP licenses are submitted to the Financial Supervisory Authority, and they imply preparing the following documents:
- a solid business plan (a 3-year plan is usually required);
- company details;
- information about the shareholder(s) and director(s);
- a description of the activities to be completed;
- a bank statement showing the deposit of the capital;
- proof of the local address;
- anti-money laundering and know-your-client regulations;
- internal monitoring system description;
- information on how client data will be stored and protected;
- EU compliance documentation.
As Slovenia is an EU member state, it must also adhere to EU directives applicable to these types of companies. This is an important advantage, as Slovenian PSP and EMI companies will be allowed to operate in other member states without meeting additional requirements. In this case, such businesses must be registered with the European Banking Authority.
If you need assistance in filing for an EMI or PSP license, our experts in company formation in Slovenia can help you prepare the necessary documents.
Activities that can be completed with an EMI/PSP license in Slovenia
Here are some of the activities that can be carried out with an EMI license in Slovenia:
- issue electronic money;
- e-wallet solutions;
- offer electronic account management services;
- facilitate electronic payments;
- cash transfer services.
With respect to the Slovenian PSP license, the following activities can be completed when owning one:
- bank transfer services;
- money remittance solutions;
- merchant account services;
- fiat currency conversion into crypto coins.
Our local specialists can also assist those who want to apply for other types of fintech licenses in Slovenia.
How many fintech companies operate in Slovenia?
The fintech sector in Slovenia is flourishing, and according to the latest data, at the level of September 2025:
- there was a total number of 136 fintech startups in this country;
- out of these, 29 are funded by third parties;
- in the past 10 years, the average number of fintech startups registered per year was 9.
If you want to open an EMI/PSP company and need support to apply for a license, please contact our company registration consultants in Slovenia.