Nikolai Timofejev
15 years in FinTech and payments. Maps your business model to the right licence scope and leads the file all the way to the Banka Slovenije decision, including banking and payment rails.
Get a payment license in Slovenia.
Slovenia keeps payments, e-money and payment systems in one act with a long name - ZPlaSSIED - and a short fee table. Banka Slovenije decides on an authorisation within three months of receipt, charges EUR 4,500 for it, and asks for EUR 20,000 to 125,000 of capital for a payment institution or EUR 350,000 for an e-money institution. The licence passports across the EEA from a euro-area member that has been in the currency since 2007.
27 yrs
on the international marketon the market
60+
in-house specialistsspecialists
400+
Licenses obtainedlicenses obtained
Updated
Slovenia in brief
One act, a three-month clock, and a fee you can read before you file.
The Slovenian act is ZPlaSSIED - the Payment Services, Electronic Money Issuance Services and Payment Systems Act, Uradni list 7/2018, amended in 2020 and again in 2024. It transposes PSD2 and the e-money directive in one text. Article 31 sets a payment institution's initial capital at EUR 20,000 if it only remits money, EUR 50,000 if it only initiates payments and EUR 125,000 for everything else; Article 163 sets an e-money institution's at EUR 350,000. Article 26 lets the applicant take any company form the Companies Act allows. Article 32 asks the managers for reputation, knowledge and three years of experience running comparable business. Banka Slovenije decides on an authorisation within three months of receiving the application - six months for a payment-system operator - and the 2024 amendment, ZPlaSSIED-B, wrote DORA, the EU instant-payments regulation and the crypto transfer rules into the act in three steps between January and October 2025.
What makes Slovenia unusual is that the price is printed. The Banka Slovenije decision of December 2024 on supervision fees sets EUR 4,500 for a payment-institution authorisation, hybrid or with waiver, and for an AISP registration, EUR 750 for entering a branch or an agent, and an annual supervision fee split 10% fixed and 90% by transaction volume - or, for an EMI, by average e-money outstanding. Client funds go to segregated accounts at banks in Slovenia or the EU, or to the central bank, no later than the next working day under Article 68. Corporate tax is 22% for 2024 to 2028, up from a base rate of 19%, with 22% VAT and 15% withholding. The country has 2.1 million people, so the licence is bought for the passport: three-month notifications under Articles 48 and 49 open every EEA state. We build the file from Prague; plan on six to nine months.
ZPlaSSIED (UL 7/2018, amended 2020 and 2024): PI capital EUR 20,000 / 50,000 / 125,000 (Article 31), EMI EUR 350,000 (Article 163). Banka Slovenije decides within three months of receipt. Fee EUR 4,500 for the authorisation, EUR 750 per agent (December 2024 decision).
Client funds on segregated accounts by the next working day (Article 68). DORA and instant payments in the act since 2025. 22% tax, VAT 22%. Six to nine months realistic. We run it from Prague.
The routes
Payment institution or e-money institution - with a hybrid and a waiver variant of each.
ZPlaSSIED offers the two PSD2 licences in three shapes: full, hybrid for groups with other business, and with waiver for small domestic operators. The passport comes with the first two. We fix the route first, then build once.
PI or EMI, each full, hybrid or with waiver - the passport with the first two.
01 - PAYMENT INSTITUTION
Plačilna institucija
Authorisation by Banka Slovenije under Article 24 for any of the PSD2 services - EUR 20,000, 50,000 or 125,000 of initial capital by service under Article 31, own funds under Article 55, segregated client accounts by the next working day, and a passport into every EEA state after a three-month notification.
Authorisation by Banka Slovenije under Article 24 for any of the PSD2 services - EUR 20,000, 50,000 or 125,000 of initial capital by service under Article 31, own funds under Article 55, segregated client accounts by the next working day, and a passport into every EEA state after a three-month notification.
- ✓All PSD2 payment services, singly or combined
- ✓Capital EUR 20,000 / 50,000 / 125,000 (Article 31)
- ✓Decision within 3 months of receipt
- ✓EUR 4,500 authorisation fee · EUR 750 per agent or branch
- ✓Segregated accounts by the next working day (Article 68)
- ✓EEA passport · hybrid and waiver variants
02 - E-MONEY INSTITUTION
EMI - EUR 350,000Družba za izdajo elektronskega denarja
Authorisation under Article 162 to issue e-money and provide payment services alongside it - EUR 350,000 of initial capital under Article 163, ongoing capital as the higher of the initial figure and the e-money method under Article 164, and the same three-month clock, fee table and passport.
EMI: EUR 350,000 capital (Article 163); higher of that and the Article 164 method; same clock, fee and passport.
- ✓E-money issuance plus payment services
- ✓Capital EUR 350,000 (Article 163)
- ✓Own funds: the higher of EUR 350,000 and the Article 164 method
- ✓Annual fee by average e-money outstanding
- ✓PI rules applied mutatis mutandis (Article 161)
- ✓EEA passport · hybrid and waiver variants
Costs and timelines are confirmed for your case before any work begins. The EUR 4,500 and EUR 750 fees are printed in the Banka Slovenije decision of December 2024; the annual supervision fee, safeguarding set-up and substance are itemised in your quote.
Why Slovenia
A printed clock and a printed fee, from a euro-area member since 2007.
Slovenia is small, tidy and old in the euro. What it sells is predictability: an act that says three months, a decision that says EUR 4,500, and a passport that opens the rest of the EEA.
✓
Three months from receipt
The act gives Banka Slovenije three months to decide on an authorisation once the application arrives - a clock written into the statute, not a service standard.A clock in the act itself.
✓
EUR 4,500, in print
The December 2024 fee decision sets the authorisation fee for a payment institution or an AISP registration, and EUR 750 for each agent or branch entered in the register.The fee, printed.
✓
PSD2 capital, no more
EUR 20,000, 50,000 or 125,000 for a payment institution under Article 31 and EUR 350,000 for an EMI under Article 163 - the directive's floors and nothing above them.EUR 20k-125k PI, 350k EMI.
✓
Euro since 2007
Slovenia was the first of the 2004 entrants to adopt the euro. SEPA, TIPS access and euro settlement are the default, not a project.SEPA and TIPS by default.
✓
Three-month passporting
Articles 48 and 49 set three-month deadlines for cross-border notifications, so the EEA plan runs on the same calendar as the licence itself.Articles 48 and 49.
✓
DORA in the act
ZPlaSSIED-B carried DORA, the instant-payments regulation and the crypto transfer-of-funds rules into the act between January and October 2025 - the file you build now is the file that stays valid.Since 2025.
How it compares
How Slovenia differs from other EU routes.
Slovenia trades a market of two million people for a statute with a clock and a fee table. The honest comparison is below.
Slovenia vs other jurisdictions
| Feature |  Slovenia | Other jurisdictions |
|---|---|---|
| Capital | EUR 20,000-125,000 PI · 350,000 EMI | Same PSD2 floors |
| Decision clock | 3 months from receipt, in the act | 3 months from a complete file, or none |
| Authorisation fee | EUR 4,500 printed | EUR 0 to 10,400 |
| Corporate tax | 22% (2024-2028) | 12.5-25.8% |
Capital
SloveniaEUR 20,000-125,000 PI · 350,000 EMI
Other jurisdictionsSame PSD2 floors
Decision clock
Slovenia3 months from receipt, in the act
Other jurisdictions3 months from a complete file, or none
Authorisation fee
SloveniaEUR 4,500 printed
Other jurisdictionsEUR 0 to 10,400
Corporate tax
Slovenia22% (2024-2028)
Other jurisdictions12.5-25.8%
Country by country
| Country | License type | Taxation | Requirements |
|---|---|---|---|
| Slovenia | PI / EMI (Banka Slovenije) | 22% | EUR 20k-125k · EMI EUR 350k · EUR 4,500 fee |
 Croatia | PI / EMI (HNB) | 18% · 10% small | EUR 20k-125k · EMI EUR 350k |
 Austria | PI / EMI (FMA) | 23% | PSD2 floors · FMA file |
 Lithuania | EMI & PI (Bank of Lithuania) | 17% · small 7% | EUR 350,000 · CENTROlink |
SloveniaLicense typePI / EMI (Banka Slovenije)
Taxation22%
RequirementsEUR 20k-125k · EMI EUR 350k · EUR 4,500 fee
CroatiaLicense typePI / EMI (HNB)
Taxation18% · 10% small
RequirementsEUR 20k-125k · EMI EUR 350k
AustriaLicense typePI / EMI (FMA)
Taxation23%
RequirementsPSD2 floors · FMA file
LithuaniaLicense typeEMI & PI (Bank of Lithuania)
Taxation17% · small 7%
RequirementsEUR 350,000 · CENTROlink
Before you apply
Requirements for the Banka Slovenije authorisation.Requirements for the authorisation.
Article 35 lists what the application contains and Article 36 the conditions; the Banka Slovenije decision of February 2018 fills in the form. The checklist below is what a passing file contains.
01
A company in any form the Companies Act allows (Article 26), with its seat in Slovenia and the head office where the business is run.
02
Initial capital at the Article 31 tier - EUR 20,000, 50,000 or 125,000 - or EUR 350,000 for an e-money institution under Article 163, paid in and counted under the CRR items the act names.
03
Managers with the reputation, knowledge and experience the act requires - Article 32 asks for three years of managing comparable business.
04
Qualifying shareholders assessed for suitability under Article 33, with beneficial owners and sources of funds documented.
05
A business plan with projections and the own-funds calculation under Article 55 - or the hybrid method under Article 70 for groups with other business.
06
A safeguarding description meeting Article 68: segregated accounts at banks in Slovenia or the EU, or at the central bank, by the next working day.
07
ICT and security risk management under Article 45 and internal controls under Article 54, aligned to DORA since ZPlaSSIED-B.
08
AML/CFT policies and controls, listed among the application contents by the 2024 amendment.
09
Professional indemnity insurance for payment-initiation or account-information services, sized to the EBA criteria.
10
The EUR 4,500 fee paid on filing under the December 2024 decision, and EUR 750 for each agent or branch to be entered in the register.
01
Company in any form (Art. 26), seat in Slovenia.
02
Capital EUR 20k / 50k / 125k or EMI EUR 350k.
03
Managers: repute, knowledge, 3 years (Art. 32).
04
Shareholders assessed (Art. 33).
05
Business plan and own funds (Art. 55).
06
Segregated accounts by next day (Art. 68).
07
ICT risk (Art. 45), controls (Art. 54), DORA.
08
AML/CFT policies.
09
PII for PIS/AIS.
10
EUR 4,500 fee on filing.
Reflects ZPlaSSIED (UL RS 7/2018, 102/2020, 110/2024), the Banka Slovenije application-content decision (UL RS 2018 no. 463) and the fee decision (UL RS 110/2024 no. 3605), as of 2026.ZPlaSSIED UL RS 7/2018, 102/2020, 110/2024; Banka Slovenije decisions UL 2018 no. 463 and UL 110/2024 no. 3605.
How it works
From first call to the Banka Slovenije register.
01
Route and strategy
PI or EMI, full, hybrid or with waiver; service list and capital tier; passport plan - the route and budget fixed in writing.PI or EMI; full, hybrid, waiver - in writing.
02
Company and capital
Slovenian company formed, capital paid to the Article 31 or 163 figure, managers and shareholders documented.Formed, paid, documented.
03
The application file
Business plan, own funds, safeguarding, ICT and AML documentation under Article 35 - complete before filing, fee paid.Article 35 contents; fee paid.
04
Banka Slovenije review
The three-month clock from receipt, question rounds answered - plan on six to nine months end to end.3-month clock; 6-9 months realistic.
05
Decision and launch
Authorisation issued, register entry made, safeguarding live - and the passport notifications sent.Register entry; passport notifications.
Quick facts
RegulatorBanka Slovenije
LawZPlaSSIED
LicencePI · EMI · hybrid · with waiver
CapitalEUR 20k / 50k / 125k · EMI EUR 350k
Decision3 months from receipt
FeeEUR 4,500 · EUR 750 per agent
Timeline6-9 months realistic
Corporate tax22% · VAT 22%
The act sets the clock and the decision sets the fee. What keeps the review inside them is a file complete on the day it arrives, and that is our job.
Your Slovenia desk
Run from our Central Europe desk.
Prifinance - Central Europe desk
Prague · coordinating Slovenian mandates
Vlkova 532/8, Žižkov, Prague
01
Slovenian company formation
A d.o.o. with the capital tier the service list requires, the seat and head office in Slovenia, and the corporate layer Banka Slovenije expects - structured for the licence from day one.d.o.o., capital tier, seat and head office.
02
The Banka Slovenije file
Business plan, own-funds calculation, safeguarding, ICT and AML documentation to Articles 35 and 36 - drafted by us and defended through the three-month review.Articles 35 and 36 answered in order.
03
Safeguarding and rails
Segregated accounts under Article 68 opened before launch, and SEPA and instant-payment access planned with the licence.Article 68 accounts; SEPA, TIPS.
04
Substance in Slovenia
Managers who pass the Article 32 test, a compliance function and premises in Ljubljana - the presence the register entry is built on.Ljubljana managers, compliance, premises.
We also have offices in
Tallinn
Estonia
Roseni 13
Vilnius
Lithuania
Gedimino pr. 2
London
United Kingdom
7 Bell Yard
Dubai
UAE
33 Level, Al Saqr Business Tower
Madeira
Portugal
Rua da Alegria 31, 1F
Budapest
Hungary
Korányi Sándor u. 4
Istanbul
Turkey
Perpa Ticaret Merkezi, A Blok
Good to know
Taxation of payment companies in Slovenia.
A 22% corporate rate for 2024 to 2028, 22% VAT, and 15% withholding on dividends, interest and royalties - a plain card with no special regime to chase.
Corporate tax 22%
The base rate is 19%; a surcharge law lifts it to 22% for tax years 2024 to 2028. The budget is built on 22%.2024-2028; base 19%.
VAT 22%
Payment and e-money services are VAT-exempt under the EU directive; technology and processing fees may not be, so the product mix is mapped before launch.Payment services exempt.
Dividends 15%
Withholding on dividends to foreign owners is 15%, reduced by treaties and removed inside the EU by the parent-subsidiary rules.Treaties and EU rules cut it.
Interest and royalties 15%
The same 15% applies to interest and royalties paid abroad - group financing is structured with the licence.Same for royalties.
Payroll
Income tax and social contributions on Ljubljana salaries - the operating budget prices them in with the compliance and management hires.Income tax + contributions.
Treaties and the EU
A wide treaty network and the EU directives on dividends and interest - outbound flows to the parent are planned, not discovered.Wide; EU directives apply.
Tax summary
Corporate tax22% (2024-2028) · base 19%
VAT22% · payment services exempt
Dividend withholding15%
Interest / royalties15%
PayrollIncome tax + contributions
Tax treatiesWide · EU directives apply
*Figures as of 2026 per FURS and the Ministry of Finance. Treaty and regime positions are assessed per structure.
Turnkey professional support
Experienced lawyers and international consultants.
We provide end-to-end support, from company registration and the application file to regulatory interaction and compliance oversight - with an individualized approach to each client.
Oleksii Kindratenko
Builds the application itself: Slovenian d.o.o., AML/KYC policy pack, capital structure and tax registrations. His document sets are the reason reviews finish in months, not years.
Eugeniu Bevziuc
First point of contact for international founders. Runs the whole setup remotely, across time zones and languages - from the first call to a live, licensed institution.
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Slovenia · Banka Slovenije
Launch your payment project in Slovenia with expert support.
Full-service assistance - from company formation to the Banka Slovenije authorisation, safeguarding, passporting and ongoing compliance.
Get a consultation →Free legal opinion
Is Slovenia the right fit for your project?
Our legal team will analyze your case at no cost and provide a written legal opinion: which jurisdiction, licence scope, or route fits your business.
Written assessment within 2-5 business days
Request a free conclusion →FAQ
The Slovenian payment licence, answered.
What licence does a payment business need in Slovenia?+
Authorisation by Banka Slovenije as a payment institution under Article 24 of ZPlaSSIED, or as an e-money institution under Article 162 if you issue stored value. Each comes in a hybrid form for groups with other business and a form with waiver for small domestic operators; AISPs register under Article 78.
How much capital is required?+
Article 31: EUR 20,000 for money remittance only, EUR 50,000 for payment initiation only, EUR 125,000 otherwise. Article 163: EUR 350,000 for an e-money institution, which must then keep the higher of that figure and the Article 164 method.
How long does Banka Slovenije take?+
The act gives it three months from receipt of the application to decide - six months for a payment-system operator. With question rounds, plan on six to nine months from first call to register entry.
What does the authorisation cost?+
EUR 4,500 for a payment-institution authorisation, hybrid or with waiver, and for an AISP registration; EUR 750 for entering a branch or an agent; the same rules apply to EMIs. The annual supervision fee is 10% fixed and 90% by transaction volume, or by average e-money outstanding for an EMI.
How are client funds protected?+
Under Article 68 they go to segregated accounts at banks in Slovenia or another EU state, or to the central bank where Banka Slovenije so decides, no later than the working day after receipt.
Does the licence passport?+
Yes - a Slovenian PI or EMI provides services in any EEA state through a branch, an agent or cross-border after notifying Banka Slovenije; Articles 48 and 49 set three-month deadlines for the notification process.
How are payment companies taxed?+
Corporate tax at 22% for 2024 to 2028 on a base rate of 19%, VAT at 22% with the EU exemption for payment services, and 15% withholding on dividends, interest and royalties.
What substance does Banka Slovenije expect?+
A company with its seat and head office in Slovenia, managers with the reputation, knowledge and three years of experience Article 32 asks for, ICT risk management under Article 45, internal controls under Article 54 and a compliance function that reports.
What changed in 2024 and 2025?+
ZPlaSSIED-B brought DORA, the EU instant-payments regulation and the crypto transfer-of-funds rules into the act in three steps between 17 January and 9 October 2025, and a new fee decision took effect in December 2024.
Why Slovenia rather than Croatia or Austria?+
Slovenia prints its clock and its fee and has been in the euro since 2007; Croatia has a 10% rate for small companies and an even smaller register; Austria is the larger market with a heavier file. Groups that want a predictable euro-area base with a passport start here.
Which licence?+
Banka Slovenije PI (Art. 24) or EMI (Art. 162); hybrid or waiver variants.
Capital?+
EUR 20k / 50k / 125k; EMI EUR 350k.
How long?+
3 months from receipt; 6-9 months realistic.
Fees?+
EUR 4,500; EUR 750 per agent; annual 10% fixed + 90% variable.
Client funds?+
Segregated accounts by next working day.
Passport?+
Yes - EEA, 3-month notifications.
Taxes?+
22%, VAT 22%, withholding 15%.
Substance?+
Seat and head office in Slovenia; Art. 32 managers.
Recent changes?+
DORA, instant payments, crypto rules in 2025.
vs Croatia / Austria?+
Printed clock and fee; euro since 2007.
Client notes
Google4.7★★★★★
Founders who wanted it done right.
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Prifinance is an independent law and advisory firm. We are not a regulator and are not affiliated with, endorsed by, or acting on behalf of Banka Slovenije or any other public authority. Authorisations are granted by, and obtained directly from, the competent authorities.