Ìjọbá · Europe (kò jẹ́ EU)

Monaco

Monaco jẹ banki ti ara ẹni kekere kan ati ile-iṣẹ iṣakoso owo-ori pẹlu igbẹkẹle to lagbara ti awọn alabara ti o ni iye giga. Awọn banki ni iwe-aṣẹ nipasẹ Ile-ẹjọ Aabo Faranse (ACPR) bi daradara bi ni agbegbe, lakoko ti iṣakoso akọọlẹ ati awọn iṣẹ owo-owo miiran ni iwe-aṣẹ nipasẹ Commission de Contrôle des Activités Financières (CCAF).

Fẹ́là RísikoÌyárá Kekere

FATFÀwọn ààyè-iṣẹ́ ìṣàfarawe-ètò

EU AML àtòjọ àìdájú gigaÀtòjọ-ẹ̀yàn

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes3

Awọn owo-ìwọ̀nÌwọ̀n

Awọn idibo to n bọtòjú 2028

Ninu akojọ FATF ti awọn ẹjọ ti o wa labẹ iwadi ti o pọju (awọn atokọ awọ-ara) gẹgẹbi ni plenary 19 June 2026, eyiti o rii pe Monaco ti pari iṣẹ-ṣiṣe rẹ ati ṣabẹwo si aaye naa, ati pe a ṣe akojọ bi orilẹ-ede kẹta ti o ni ipalara giga ni Delegated Regulation (EU) 2016/1675 bi a ti kọlu ni 29 January 2026; kò nínú àkọsilẹ́ Ì tí a fi pamọ́ nínú àtòjọ owó ilé-ifowopamọ́ EU bí a ti ṣe ìṣàfarawe nínú oṣù kọkanlà 2026. O ti ṣayẹwo 7 Oṣu Kẹsan 2026.

Ìjọba àti ìṣàlàyé

Gomina: Àwọn Ìṣàmúlò-ètò
Àwọn Ìṣàmúlò-ètò: Albert II · láti àwọn Oṣù Kejìlá 2005
Minisitọ ti orilẹ-ede: Christophe Mirmand (Ẹ̀yàn-ẹ̀yàn (tí a fi ṣẹ̀dà))
Àwọn ààyè-iṣẹ́: Ko si àwọn ẹgbẹ́ púpọ̀ nínú gomina
Awọn idibo to kẹhin: National Council (legislative), 5 February 2023
Awọn idibo to n bọ: National Council (legislative), due by 2028
Àwọn Ìṣàmúlò-ètò: National Council (unicameral, 24 seats)
Siséèsì Ìjọba: Àwọn àkọlé àwòrán

Economics and finance

Awọn eniyan: 38.3k (2025)
Ìjánu-ìsún: USD 11.1bn (2024)
GDP fun ẹni kọọkan: USD 288,002 (2024)
Awọn owo-ìwọ̀n: Euro (EUR), euro (ti a lo ni ààyè-iṣẹ́ owo-ìròyìn láti inú EU; Monaco kò jẹ́ ọmọ ẹgbẹ EU)
Central Bank of Nigeria: Banque de France (Monaco ko ní banki ìdàjọ́ kan; àwọn ìṣàmúlò-ètò owo-ìpamọ́ tí n lọ láti inú Faranse atí Eurosystem)

A rirọ ilu-opin ti o ni ifowosowopo lori irin-ajo, awọn ohun-ini gidi, banki ti ara ẹni ati iṣakoso owo-ori, pẹlu ko si owo-ori owo-ori fun ọpọlọpọ awọn olugbe.

Àwọn Irinṣẹ́

Credit institution agrément (Monegasque bank tabi branch of a foreign credit institution)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́ACPR (awọn iṣẹ́ banki), CCAF (awọn iṣẹ́ owo) atí Gomina Monegasque (ìṣàfilọ́lẹ̀)

Àwọn Ìṣẹ́: French banking agrément by the ACPR; CCAF agrément under Loi n° 1.338, as amended, for financial activities; establishment authorisation from the Monegasque Government
Ìfihàn: Ko si; Monaco kò wa nínú EU tàbí EEA.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìyàn àwọn ìṣàmúlò-ètò mẹrin; àwọn ìṣàmúlò-ètò láti ní ààyè-iṣẹ́ kọ̀ǹpútà lè rọ́ọ̀nù
Ìṣàmúlò-ètò àjọṣepọ̀: société anonyme monégasque (SAM) tàbí ile-iṣẹ́ ẹ̀yàn-ìtàn kan
O kere ju awọn eniyan meji ti o ni ibatan si ilana ati iṣakoso (ROSG) ti CCAF fọwọsi
Agréments ni a fi han ni Journal de Monaco

Sources(2)

CCAF: Démarches (procedure for obtaining an agrément) · checked 2026-10-07
CCAF: Conditions · checked 2026-10-07

Firma idoko-owo

CCAF agrément fun awọn iṣẹ owo-owo (iṣakoso porfolio, imọran, gbigba ati gbigbe awọn ilana, aabo, ile-iṣẹ ẹbi pupọ)

Awọn ohun-ini ti o kere juUSD 168k

AgbègbèIgbà tí a bà gbá fáìlì kaǹ nínú oṣù 6.

Awọn Iṣẹ́CCAF

Aṣàfilọ́lẹ̀ àwọn iṣẹ́, lati EUR 150,000

Àwọn Ìṣẹ́: Loi n° 1.338 on financial activities, as amended, Art. 1
Àwọn Irinṣẹ́: CCAF agrément jẹ ọfẹ.
Ìfihàn: Kò ní.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìdáràn owó
Awọn adari ti o ni igbẹkẹle, iriri ati agbara iṣẹ; o kere ju awọn ROSG meji ti a fọwọsi lojoojumọ
Ìwọ̀n àwọn ìṣẹ́dá (kò nínú àwọn ile-iṣẹ́ ẹ̀yàn mìíràn)
Awọn ijẹrisi iṣeto lati Gomina; iṣakoso inu ati awọn ilana ti o ni ipalara

Sources(2)

CCAF: Démarches (procedure for obtaining an agrément) · checked 2026-10-07
CCAF: Conditions · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Agrément fun awọn olupese iṣẹ-aṣiriṣi oni-nọmba ati crypto

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́Ministère d'État, lẹhin ifẹ ti o ni idiwọ ti ẹgbẹ aṣoju-ọrọ kan ti a ṣeto nipasẹ minisita owo ati eto-ọrọ (awọn iṣẹ lori awọn ami-iṣowo owo wa labẹ CCAF)

Àwọn Ìṣẹ́: Loi n° 1.528 of 7 July 2022, Title II, Art. 14 to 18
Ìfihàn: Kò ní.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ìjọba tí a fi pamọ́ nínú Monaco (kò lè lò nígbà tí o bá jẹ́ ìṣàfarawé)
Awọn adari to tọ ati awọn eniyan ti o ni diẹ sii ju 25% ti owo-ori tabi awọn ẹtọ idibo
Ile-ifowopamọ ti o da lori iṣẹ ati awọn owo-ori ti ara ẹni ni awọn iye ti a ṣeto nipasẹ ofin ijọba.
Awọn ile, awọn oṣiṣẹ, iṣakoso inu, IT ti o lagbara ati iṣakoso ibatan-ifẹ; AMSF ni imọran lori AML/CFT fọọmu

Sources(1)

Legimonaco: Loi n° 1.528 du 7 juillet 2022 (digital asset and crypto-asset service providers) · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Commission de Contrôle des Activités Financières (CCAF) · websiteInvestment companies, banks
Àwọn Ìṣàmúlò-ètò (ACPR) ojú-ìwéàwọn ẹ̀yàn
Ministre d'État, lẹhin asọye ti ẹgbẹ aṣoju-ọrọ (awọn olupese iṣẹ crypto-asset) (Gomina) · webuAwọn olupese iṣẹ aṣiwere (VASPs)

Monaco wa lori FATF akojọ alawọ ewe (o ti ṣe adehun igbimọ oloselu giga si FATF ni Oṣu Kẹsan Ọjọ 2024) ati lori atokọ EU ti awọn orilẹ-ede kẹta ti o ni ipalara giga, nitorinaa a ṣe igbelaruge iwadii ti o yẹ fun iṣowo ti o ni asopọ pẹlu EU; ọrọ Oṣu Kẹsan Ọjọ 2026 FATF rii pe iṣẹ-ṣiṣe ti pari ni kikun ati irin-ajo lori aaye ti o tọka si, nitorinaa a le yọ kuro ninu atẹjade. Iṣẹju ipinnu ati awọn owo-ori ti ara ẹni ati awọn iye inawo fun awọn olupese iṣẹ crypto-asset ti a fi sori ẹrọ nipasẹ ofin ijọba, eyiti ko ti gba pada. Owo-ori banki to kere julọ ati ilana ACPR ko ti ṣayẹwo lati orisun ṣiṣi kan. Ko si e-owo tabi eto-ẹkọ sisan ti o ni ibatan si Monaco, ati pe ko si eto lilọ kiri ori ayelujara ti a fọwọsi, ti a mọ ni awọn orisun ti a beere lọwọ wọn.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

Ààyè-iṣẹ́ Monaco

Ààyè-iṣẹ́ àwọn ìkúnrégé ilẹ̀. Pétì náà jẹ́ ìṣàfihàn.

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: Monaco
Ilu ti o tobi julọ: Monaco
Agbègbè: 2 km²
Awọn ede Ofin: French (France)
Zone Time: UTC+01:00 (UTC+02:00 nínú igba otutu)

Àwọn àgbéwọlé ìṣàfihàn

Ìrin-ajó
Banki ati iṣakoso owo-ori
ẹ̀yàn
àwọn ìṣàmúlò-ètò
Àwọn ààyè-iṣẹ́
awọn oogun ti a papọ

Àwọn ìṣàfihàn ààyè-iṣẹ́

Ìtaláànì
Switzerland
Germany
Belgium(Belgium)
Espania

Sources for the country information(5)

Àwọn ìròyìn ààyè-iṣẹ́ orilẹ-ede tí a ṣayẹwo ní ọjọ́ kọkanlá 9, ọdun 2026. Àtòjọ-ẹ̀yàn líǹkì tí a pàṣẹ́ ní ọjọ́ kọkanlá 7, ọdun 2026. Àwọn ìròyìn nikan, kò jẹ́ àgbekalẹ̀ ofin; àwọn ìṣàmúlò-ètò kùnà. Àkọ́lé àwọn ìṣàmúlò-ètò.

Sources for the licensing information(7)

FATF: Jurisdictions under Increased Monitoring, 19 June 2026 · checked 2026-10-07
FATF statement of 19 June 2026 (copy published by the Financial Intelligence Unit of Kosovo; fatf-gafi.org blocked automated access) · checked 2026-10-07
EUR-Lex: Commission Delegated Regulation (EU) 2016/1675, consolidated version of 29 January 2026 · checked 2026-10-07
Council of the EU: revised EU list of non-cooperative jurisdictions for tax purposes, document 5821/26 (Annex I) · checked 2026-10-07
CCAF: Démarches (procedure for obtaining an agrément) · checked 2026-10-07
CCAF: Conditions · checked 2026-10-07
Legimonaco: Loi n° 1.528 du 7 juillet 2022 (digital asset and crypto-asset service providers) · checked 2026-10-07