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Jurisdiction · Europe (non-EU)

Liechtenstein

Liechtenstein wani banki ne mai zaman kansa, sarrafa arziki da kuma cibiyar kudi wacce ke amfani da Swiss franc amma tana cikin yankin tattalin arzikin Turai ba EU ba. Ta hanyar Yarjejeniyar EEA ta aiwatar da doka ta EU na sabis na kuɗi kuma ta baiwa kamfanonin lasisi takardar izinin EEA, wanda tare da dokar 2020 Blockchain (TVTG) ya sanya shi matsayin tushe ga kamfanonin crypto da fintech masu neman shiga kasuwannin EU.

Alamar RiskiStandard
FATFBa a lissafa ba
EU AML high-risk listBa a lissafa ba
EU tax listBa a lissafa ba
License regimes6
Kudin kudiDakata
S&P ratingAAA
Zaben gabada aka biya cikin 2029

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 last modified by Delegated Regulation (EU) 2026/46), and not in Annex I of the EU tax list as revised by the Council on 17 February 2026. Checked 7 October 2026.

Gwamnati da siyasa

Gwamnati
Constitutional hereditary monarchy with parliamentary democracy
Prince Regnant (Prince Alois na iyali yana gudanar da ayyukan shugaban kasa a matsayin mai mulki tun 2004)
Hans-Adam II · since November 1989
Firaminista
Brigitte Haas (Patriotic Union (VU))
Jam'iyyun siyasa
Ƙungiya ta Patriotic (VU), Jam'iyyar Progressive Citizens' Party (FBP)
Zabe na ƙarshe
Landtag (legislative), 9 Fabrairu 2025
Zaben gaba
Landtag (legislative), da aka yi a 2029
Legislature
Landtag (unicameral, 25 seats)
Sistema Legal
Civil law system influenced by Swiss, Austrian and German law

Ƙasa da kudi

Jami'a
41k (2025)
GDP
USD 9bn (2025)
GDP per person
USD 217,928 (2025)
Kudin kudi
Swiss franc (CHF), Swiss franc used under a currency treaty with Switzerland (floating)
Bankin Cibiyar
Switzerland
Credit rating
S&P AAA (stable) (as of May 2026)

An yi amfani da shi wajen samar da kayayyakin masana'antu da kuma kasuwancin banki na musamman, tare da samun damar shiga kasuwannin kasashe masu tasowa ta hanyar EEA.

Banki

Banki

Minimum capitalUSD 12m
Layin lokaciFMA na yanke shawara cikin watanni shida na karɓar aikace-aikacen da aka cika; aikace-aikacen da aka bar ba a cika shi ba don watanni goma sha biyu an ƙi
AuthorityFMA Liechtenstein (ba ECB haɗin gwiwa ba: Liechtenstein yana waje da yankin euro da Single Supervisory Mechanism)

CHF miliyan 10 ko dai abin da ya dace a cikin euro ko kuma dalar Amurka, an biya su gaba ɗaya; FMA na iya sanya wani adadin daban a cikin lokutan da aka tabbatar

Dokar
Banking Act of 5 December 2024 (Bankengesetz, BankG), Art. 16 and Arts. 18 to 23; Banking Ordinance of 14 January 2025 (BankV)
Farashin
CHF 100,000 don ba da ko kin karbar lasisin banki; CHF 50,000 ga wani kamfani na zuba jari mai lasisi wanda yake bukatar lasisin banki (FMAG Annex 1, sashe A)
Passporting
Ya. EEA passport under CRD as incorporated into the EEA Agreement: branches and cross-border services across the EU and EEA.
Buƙatun Maɓalli
  • Company limited by shares (AG) or European Company (SE); registered office and head office in Liechtenstein; shell banks prohibited
  • Board of Directors na aƙalla uku 'ya'yan da kuma Executive Board na aƙalla biyu 'ya'yan
  • Masu rinjaye na kwamitin gudanarwa dole ne su zauna cikin nisan tafiya, kuma aƙalla wani dan majalisar dole ne ya kasance yana da alaƙa da Liechtenstein kuma ya zauna cikin nisan tafiya
  • Ma'aikatan kula da aminci da haɗari dole ne su san doka ta Liechtenstein (Due Diligence Act, Banking Act) kuma a zahiri su yi aiki a Liechtenstein
  • Internal audit, compliance and independent risk management functions; fit and proper qualifying shareholders
Sources(2)
  1. FMA Guidance 2018/19: Licence as a bank (last amended 1 February 2025) · checked 2026-10-07
  2. Financial Market Authority Act (FMAG), LGBl. 2004 Nr. 175, consolidated version 01.09.2026, Annex 1 (fees) · checked 2026-10-07
E-money institution

E-money institution license

Minimum capitalUSD 392k
Layin lokaciMataki a cikin watanni uku na karɓar aikace-aikacen ko bayanin da ya cika (Art. 7(3) EMA); rashin amincewa idan har yanzu ba ta cika ba bayan watanni goma sha biyu
AuthorityFMA Liechtenstein

EUR 350,000 ko dai abin da ya dace a cikin Swiss franc; FMA na iya buƙatar fiye da haka a cikin lokutan da aka tabbatar

Dokar
E-Money Act of 17 March 2011 (E-Geldgesetz, EGG), Arts. 6 to 8; E-Money Ordinance of 2025 (EGV)
Farashin
CHF 30,000 don bayarwa ko kin karɓar lasisi (FMAG Annex 1, sashe A)
Passporting
Na gode. EEA passport a karkashin E-Money Directive kamar yadda aka hada shi cikin EEA Agreement.
Buƙatun Maɓalli
  • An gina shirin ayuka bisa ga EBA/GL/2017/09 da jerin gwajin FMA
  • Kashi na farko da aka samu ba tare da wani taƙaitawa ba
  • Tsare-tsaren kudaden da aka karɓa don kudi na e
  • Daidaitacce da daidaitacce gudanarwa da kwarewa shareholders
Sources(2)
  1. FMA Guidance 2018/18: Licence as an e-money institution (last amended 1 July 2025) · checked 2026-10-07
  2. Financial Market Authority Act (FMAG), LGBl. 2004 Nr. 175, consolidated version 01.09.2026, Annex 1 (fees) · checked 2026-10-07
Mai ba da sabis na biyan kuɗi (PSP)

Banki

Minimum capitalUSD 150k
Layin lokaciAn yanke hukunci a cikin watanni uku na karɓar aikace-aikacen ko bayanin da ya cika; an ki idan bai cika ba bayan watanni goma sha biyu
AuthorityFMA Liechtenstein

CHF 20,000 (dauke kudi kawai), CHF 50,000 (fara biyan kuɗi kawai) ko CHF 125,000 (wasu sabis na biyan kuɗi), ko kuma abin da ya daidaita a cikin euro

Dokar
Payment Services Act of 6 June 2019 (Zahlungsdienstegesetz, ZDG), Arts. 9 and 10; Payment Services Ordinance of 17 June 2025 (ZDV)
Farashin
CHF 30,000 don ba da ko kin amincewa da lasisin; CHF 15,000 don yin rajista a matsayin mai bayar da sabis na bayanan asusun (FMAG Annex 1, section A)
Passporting
Ee. EEA passport under PSD2 as incorporated into the EEA Agreement.
Buƙatun Maɓalli
  • Kamfani mai iyaka da rance (AG) ko Kamfani na Turai (SE)
  • Registered office and central administration in Liechtenstein
  • Shirin Ayuka na gaba EBA/GL/2017/09
  • Tsare-tsaren kuɗaɗe na abokan ciniki da daidaituwa da kulawa mai kyau
Sources(2)
  1. FMA-Wegleitung 2019/8: Bewilligung eines Zahlungsinstituts (last amended 1 July 2025) · checked 2026-10-07
  2. Financial Market Authority Act (FMAG), LGBl. 2004 Nr. 175, consolidated version 01.09.2026, Annex 1 (fees) · checked 2026-10-07
Mai ba da sabis na kayan kwamfutoci (VASP)

Ma'aikatar Harkokin Wajen Najeriya

Minimum capitalUSD 56k
Layin lokaciBa a wallafa ba
AuthorityFMA Liechtenstein (Fintech Unit)

MiCA Sashe na IV: EUR 50,000 (jiha ta 1), EUR 125,000 (jiha ta 2, ciki har da kulawa da musayar), EUR 150,000 (jiha ta 3, dandalin kasuwanci)

Dokar
Regulation (EU) 2023/1114 (MiCA), Arts. 59, 62, 63 and 67, as incorporated into the EEA Agreement on 24 June 2025; EEA MiCA Implementation Act (EWR-MiCA-DG), in force 1 February 2025
Farashin
CHF 30,000 ga izinin da ya kunshi kulawa, dandalin kasuwanci ko sabis na musayar (MiCA Art. 3(1)(16)(a) zuwa (d)); CHF 10,000 inda kawai ake bayar da sabis a cikin hanyoyi (e) zuwa (j); farashin masanin da aka biya daban-daban (FMAG Annex 1, sashe I.undecies)
Passporting
Na gode. EEA-wide passport for authorized CASPs since MiCAR was incorporated into the EEA Agreement; TVTG registration gives no passport.
Buƙatun Maɓalli
  • Ma'aikatar da aka yi rajista a Liechtenstein, wuri na gudanarwa mai tasiri a cikin EEA da kuma ko da yaushe manajan daya yana zaune a can (MiCA Art. 59)
  • Complete, high quality application: MiCA deadlines are 25 working days for the completeness check and 40 working days for assessment
  • Bankuna, kamfanonin saka hannun jari, EMIs, UCITS da AIF manajoji da aka riga lasisi ta FMA za su iya sanar a karkashin MiCA Art. 60 a matsayinsa na
  • Aiki a waje MiCA (misali wasu NFT sabis) na iya bukatar TVTG rajista
Sources(6)
  1. FMA: Crypto-asset service providers, procedures pursuant to Articles 60 and 63 MiCAR · checked 2026-10-07
  2. FMA: MiCAR (relationship between MiCAR and TVTG, transitional period) · checked 2026-10-07
  3. FMA news 18.07.2025: Incorporation of MiCAR into the EEA Agreement · checked 2026-10-07
  4. FMA: Token and TT Service Provider Act (TVTG) · checked 2026-10-07
  5. Regulation (EU) 2023/1114 (MiCA), EUR-Lex · checked 2026-10-07
  6. Financial Market Authority Act (FMAG), LGBl. 2004 Nr. 175, consolidated version 01.09.2026, Annex 1 (fees) · checked 2026-10-07
Kamfani na zuba jari

Ma'aikatar Harkokin Waje da Kasuwanci ta Najeriya

Minimum capitalUSD 84k
Layin lokaciFMA na yanke shawara a cikin watanni shida bayan karɓar aikace-aikacen (WPFG Art. 6(5)).
AuthorityFMA Liechtenstein

WPFG Art. 16: EUR 75,000 (aikin karba da isar da sako, gudanarwa, kula da asusun ajiya, shawara ko sanyawa ba tare da wani alkawari na kwarai ba, babu dukiyar mai amfani), EUR 150,000 (daban-daban), EUR 750,000 (aiki akan asusunka, yin rajista, ko OTF da kasuwancin asusunka), ko kuma abin da ya dace da shi a cikin CHF ko USD

Dokar
Investment Firms Act of 5 December 2024 (Wertpapierfirmengesetz, WPFG), Arts. 6 and 16; Investment Services Act (WPDG); Asset Management Act of 25 November 2005 (VVG), Art. 6
Farashin
WPFG izinin: CHF 35,000 (ƙasa da ba-interconnected kamfanonin CHF 30,000), tare da CHF 10,000 ga kowane MTF ko OTF. VVG lasisin: CHF 15,000 (class 2) ko CHF 10,000 (class 3) (FMAG Annex 1, sashe B)
Passporting
Ee. EEA passport a karkashin MiFID II ga WPFG investment firms da VVG asset management companies.
Buƙatun Maɓalli
  • Aikin neman aiki a cikin Jamusanci, takardun goyon baya a cikin Jamusanci ko Ingilishi (WPFG Art. 6(3))
  • Kamfanoni masu nufin kawai VVG-nau'i na sabis ba tare da riƙe asusun abokan ciniki ne aka shirya zuwa kamfanin kula da asusu lasisin a matsayinsa na
  • VVG companies: registered office and head office in Liechtenstein, at least two senior managers as a rule, at least one with EEA or Swiss citizenship and three years of relevant experience
  • Rejimin kulawa na IFR/IFD (dakunan karatu 1, 2 da 3)
Sources(4)
  1. Wertpapierfirmengesetz (WPFG), LGBl. 2025 Nr. 72, consolidated version 01.09.2026 · checked 2026-10-07
  2. FMA: Investment firms · checked 2026-10-07
  3. FMA: Asset management companies, FAQs · checked 2026-10-07
  4. Financial Market Authority Act (FMAG), LGBl. 2004 Nr. 175, consolidated version 01.09.2026, Annex 1 (fees) · checked 2026-10-07
Operator na wasan kwaikwayo na kan layi

Online gambling concession

Minimum capitalUSD 6m
Layin lokaciBa a wallafa ba
AuthorityGovernment of the Principality of Liechtenstein, on a proposal from the Amt fuer Volkswirtschaft

An biya a cikin hannun jari na CHF miliyan 5 (GSG Art. 9b, an yi amfani da shi ga kyautar yanar gizo ta Art. 61)

Dokar
Gambling Act of 30 June 2010 (Geldspielgesetz, GSG), Arts. 60 to 63 (online), applying Arts. 9 to 9c (casino licence conditions) by analogy
Passporting
Babu. Gambling ne a waje na EEA kudi sabis takardar izinin tafiya.
Buƙatun Maɓalli
  • Ba a da hakkin doka na samun damar yin amfani da shi ba; Gwamnatin za ta iya rage adadin izinin da ake bayarwa ta hanyar dokoki
  • Ra'ayi na tsaro da ra'ayin kulawa (AML), wanda aka sake duba shi ta hanyar FMA
  • Abin da aka baiwa yana da inganci na shekaru biyar kuma ba zai iya canjawa ba
  • A halin yanzu an rufe: Gwamnatin ta yanke shawarar a ranar 12 ga watan Disamba na shekarar 2023, ta dakatar da gudanar da rajista na yin caca ta yanar gizo har zuwa karshen shekarar 2028
Sources(2)
  1. Geldspielgesetz (GSG), LGBl. 2010 Nr. 235, consolidated version 01.01.2026 · checked 2026-10-07
  2. Amt fuer Volkswirtschaft: Taetigkeitsbericht Geldspiel 2023 (section 5.1, moratorium on online gambling concessions) · checked 2026-10-07
Supervisors

Wane ke sarrafawa

  • Finanzmarktaufsicht Liechtenstein (Financial Market Authority Liechtenstein) (FMA) · websitebanks, E-money institutions, Payment service providers, Investment companies, Virtual asset service providers (VASPs), Funds, Insurance
  • Amt fuer Volkswirtschaft (Kamfanin Harkokin tattalin arziki), kula da caca (AVW) · web siteOnline gaming

Yadda doka ta EU take aiki: Liechtenstein wata jiha ce ta EEA EFTA, ba 'yar kungiyar EU ba. Ayyukan sabis na kudi na EU suna aiki ne kawai lokacin da Kwamitin Haɗin gwiwar EEA ya haɗa su cikin Sashe na IX (Ayyuka na Kudi) na Yarjejeniyar EEA, bayan da Liechtenstein ya canza ko ya yi amfani da su; wannan yana haifar da jinkiri a lokaci (MiCA, wanda ke aiki a cikin EU tun daga 30 ga Disamba, 2024, an hada shi cikin Yarjejeniyar EEA a ranar 24 ga Yuni, 2025, tare da Liechtenstein ta hanyar aiwatar da shi ta hanyar EWR-MiCA-DG daga 1 ga Fabrairu, 2025). A ƙarƙashin ginin EEA mai maɓallan biyu, shawarwarin da suka shafi hukumomin Liechtenstein ko kamfanonin ana ɗaukarsu ta hanyar Hukumar Kula da EFTA akan takardun da aka tsara ta hannun hukumomin kula da EU (EBA, ESMA, EIOPA). Liechtenstein tana waje da yankin euro da kuma SSM, don haka FMA kanta tana bada izinin da kuma kula da bankuna. Kamfanonin da aka ba da izini ta hanyar FMA za su karɓi fasfo ɗin EEA guda ɗaya kamar yadda kamfanonin EU suke. MiCA canji: masu samar da sabis na TT waɗanda aka yi rajista a karkashin TVTG za su iya ci gaba a ƙarƙashin TVTG har zuwa 1 ga Yuli, 2026 (lokacin watanni 18 bisa ga jerin ESMA); tun daga nan ana buƙatar izinin MiCAR. Kashi na farko na lasisin PI da EMI an bayyana shi a cikin CHF ko abin da ya daidaita da euro; adadin PI a cikin CHF an ɗauke shi daga FMA-Wegleitung 2019/8.

Bayanai na Gabaɗaya

About Liechtenstein

Liechtenstein on the globe
Map of Liechtenstein City in Switzerland
Iyakokin ƙasa na halitta. Maɓallin maɓalli ne kawai.
Status
Sovereign state
Capital
City in Switzerland
Mafi girman birni
City in Switzerland
Area
160 km²
Yarukan hukuma
Jamus
Yana da Lokaci
UTC+01:00 (UTC+02:00 a lokacin hunturu)

Main exports

  • ma'adinai na musamman
  • fasahohin zubar da jini
  • sassan motar
  • Kwamfyuta da tsarin haɗewa
  • sabis na kuɗi
Sources for the country information(7)

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.