An fassara wannan shafi da na'ura daga Ingilishi kuma ba a duba shi ta wani mai fassara ba. Waɗannan kalmomi na doka da dokoki za su iya zama marasa daidaito. Fassarar Ingilishi ce mafi inganci. Ka karanta wannan shafi cikin Ingilishi
Australia tana da tsarin banki mai karfi da kuma masana'antar kula da kudade. Yana tafiyar da wani nau'i na biyu: A PRA lasisi kuma yana kula da cibiyoyin ajiyar kudi (ADIs), yayin da ASIC ke ba da izinin sabis na kuɗi, gami da masu samar da FX da CFD, a ƙarƙashin lasisin sabis na kuɗi na Australiya (AFSL).
Alamar RiskiStandard
FATFBa a lissafa ba
EU AML high-risk listBa a lissafa ba
EU tax listBa a lissafa ba
License regimes7
Kudin kudiAUD
S&P ratingAAA
Zaben gabada aka biya cikin 2028
Ba a kan FATF grey ko black lists after the June 2026 plenary, not on the EU high-risk third country list (Delegated Regulation (EU) 2016/1675 as amended, latest by Delegated Regulation (EU) 2026/46), and not on Annex I of the EU tax list updated 17 February 2026. Checked 7 October 2026.
Gwamnati da siyasa
Gwamnati
Federal parliamentary constitutional monarchy
Monarch (an wakilta shi da Governor-General Sam Mostyn tun 2024-07)
King Charles III · since September 2022
Prime Minister
Anthony Albanese (Australian Labor Party)
Jam'iyyun siyasa
Australian Labor Party
Zabe na ƙarshe
Zabe na tarayya (Majalisar wakilai da rabin majalisar dattawa), 3 ga watan Mayu, 2025
Zaben gaba
Zaben tarayya, da aka yi a shekarar 2028
Legislature
Parliament: House of Representatives (150 seats) and Senate (76 seats)
A high-daidaita, kayayyakin fitarwa na tattalin arziki sayar da iron ore, karfe da LNG musamman ga Arewacin Asiya, tare da Sydney a matsayin babban Asia-Pacific cibiyar kudi da kuma daya daga cikin mafi girman duniya (superannuation) ajiyar.
Banki
Lasisi na hukumar karbar ajiyar kudi (ADI), hanyar kai tsaye
Minimum capitalUSD 10.4m
Layin lokaciBa a wallafa ba
AuthorityAPRA
Initial jarin nan da nan kafin lasisi na mafi girman na hasashen tattalin arzikin aiki ga watanni goma masu zuwa ko AUD 15 miliyan; ci gaba prudential jarin bukata na mafi girman na watanni shida' forecast opex, AUD 10 miliyan ko RWA-dauke da adadin (APRA sabon shiga framework)
Dokar
Banking Act 1959 (Cth), s 9
Passporting
Ba da fasfo ba; bankuna na waje za su iya neman lasisin ADI na waje (sashe) wanda ya shafi ajiyar manyan kamfanoni
Buƙatun Maɓalli
Tattaunawar farko da APRA kafin shigar da shirin
Kayayyakin da ake iya amfani da su a matsayin hannun jari na dokoki (Tare 1 na hannun jari na al'ada)
Taron kasuwanci mai aminci, shugabanci, masu dacewa da mutane masu kyau da tsarin kula da haɗari
Su hadu da cikakken ADI prudental tsari daga lasisin
Yadda ake amfani da kalmomin banki, banker ko banki yana bukatar matsayin ADI ko APRA yarda
Lasisi na ADI mai tsauri (maɓallin hanya mai tsauri)
Minimum capitalUSD 2.1m
Layin lokaciBa a wallafa ba
AuthorityAPRA
Kashi na mafi girma daga AUD miliyan 3 tare da ajiyar matsaloli (kowace shekara AUD miliyan 1) ko kuma kashi 20 cikin dari na dukiyoyin da aka daidaita
Dokar
Banking Act 1959 (Cth), s 9 (licence with conditions)
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
Mataki mai tsauri yana da tsawon shekaru biyu, bayan wannan kuma dole ne kamfanin ya cika ka'idar kulawa ko ya fita
Haɗarin ajiya na AUD miliyan 2 a cikin aggregate protected accounts da AUD 250,000 ga kowanne mutum
Bugun kasuwancin banki yayin da ake gina iyakokin da kuma karɓar kuɗaɗe
Tare-tare mai aminci don zama ADI mai cikakke da kuma shirin fita
Ba a sa ran za ta yi girma ba fiye da AUD 100 miliyan a lokacin matakin hana
Australian Financial Services Licence for non-cash payment facilities
Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityASIC
Dokar
Corporations Act 2001 (Cth), s 911A; non-cash payment facility is a financial product (s 763D)
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
Basi bukatun kudi a karkashin RG 166: biyan, positive net dukiya da bukatar kudi; aƙalla AUD 50,000 a cikin kuɗaɗe mai yawa liquid idan riƙe abokan ciniki kudi ko mallaka sama set haddi
Ina da kwarin gwiwa cewa
Daidaitaccen kudi, fasaha da albarkatun mutum da kuma kula da haɗari
Sabi'a ta warware rikici (AFCA membership) da kuma hanyoyin biyan kudin fansa
Wasu stablecoins ana kula da su ta hanyar ASIC a matsayin wuraren biyan kuɗi ba na kudi ba (INFO 225)
Australian Financial Services Licence (da'awar, shawara, tsare-tsaren zuba jari da aka gudanar)
Minimum capitalUSD 35k
Layin lokaciBa a wallafa ba
AuthorityASIC
Ya bambanta da aikace-aikace a karkashin RG 166; ga misali daidaitattun kuɗaɗe masu yawa na AUD 50,000 tare da kashi 5 cikin ɗari na daidaitattun basussuka tsakanin AUD miliyan 1 da AUD miliyan 100 don masu lasisi waɗanda ake buƙata su cika gwajin ASLF
Dokar
Corporations Act 2001 (Cth), s 911A and s 912A
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
Aiki mai inganci, aminci da daidaito
Manajoji masu alhakin da ke da ilimi da kwarewar da suka dace
Buƙatun kuɗi a ƙarƙashin RG 166 an tsara su don ayyukan lasisi
AFCA membership da biyan kudade ga abokan cinikin sayar da kayayyaki
AFSL don fitar da OTC derivatives (margin FX da CFDs)
Minimum capitalUSD 694k
Layin lokaciBa a wallafa ba
AuthorityASIC
Net tangible dukiya na mafi girma daga AUD 1 miliyan ko 10 cikin dari na yawan kudin shiga, da aka yi 50 cikin dari a kudi ko kudi daidaito da 50 cikin dari a liquid dukiya
Dokar
Corporations Act 2001 (Cth), s 911A; ASIC Corporations (Financial Requirements for Retail OTC Derivative Issuers) Instrument 2022/705
Passporting
Ba da fasfo ba
Buƙatun Maɓalli
Ruwan 12-month cash flow projection kowane watanni uku, an amince da shi ta hanyar kwamitin
Rahoton NTA tare da saukarwa
Tailored audit requirement
Aikin kula da kudi na mai amfani da kuma alkawarin gudanarwa na samfurin
Australian Prudential Regulation Authority (APRA) · websitebanks, E-money institutions, Insurance
Australian Securities and Investments Commission (ASIC) · websitePayment service providers, Virtual asset service providers (VASPs), Investment firms, FX brokers
Australian Transaction Reports and Analysis Centre (AUSTRAC) · websiteVirtual asset service providers (VASPs), Payment service providers
Australian Communications and Media Authority (ACMA) · websiteOnline gaming
Reforms: as at ASIC's October 2025 update of INFO 225, the Government was consulting on exposure draft legislation to create digital asset platform and tokenised custody platform financial products, and on a new licensing framework for payment service providers that would cover certain stablecoins; Kuma ba mu tabbatar da kõwane daga cikinsu ba, ko kuwa an ƙãga shi ko kuma an fãra shi a kan 2026-10-07. An kasa loda shafuka na AUSTRAC, don haka ba'a tabbatar da bayanin rajista da lokacin gyaran 2024 AML/CTF ga masu samar da sabis na dukiyar zahiri ba. Gaming: a karkashin Interactive Gambling Act 2001, da aka gudanar ta ACMA, online casino-style wasanni da in-play online sports betting ba za a iya bayarwa ga mutane a Australia; online wagering da lottery ne lasisi ta jihohi da yankuna. ADI ba ta da wani lokaci na doka don bayar da izini; APRA's farkon hannun jari na AUD 15 miliyan ya zo daga sabon tsarin shiga fiye da dokoki.
Bayanai na Gabaɗaya
About Australia
Iyakokin ƙasa na halitta. Maɓallin maɓalli ne kawai.
Bayanin ƙasar da aka bincika 9 Oktoba 2026. Bayanan lasisi an sabunta su 7 Oktoba 2026. Bayani kawai, ba shawara ta doka ba; bukatun sun canja. Labari na dokoki.
