Ìjọbá · Europe (kò jẹ́ EU)

Àwọn Ìṣàmúlò-ètò

The UK is one of the largest international financial centers, built around the City of London. Banks are dual regulated by the Prudential Regulation Authority (PRA, part of the Bank of England) and the Financial Conduct Authority (FCA); most other financial firms, including payment, e-money, investment and cryptoasset companies, are authorised or registered by the FCA alone.

Fẹ́là RísikoÀkànṣe

FATFKò wa ní àtòjọ

EU AML àtòjọ àìdájú gigaKò wa ní àtòjọ

Awọn akojọ owo-ori EUKò wa ní àtòjọ

License regimes6

Awọn owo-ìwọ̀nGBP

Àwọn ìṣàmúlò-ètòA

Awọn idibo to n bọtòjú 2029

Kò ní pàtó nínú àtòjọ FATF alawọ́ ewe tàbí alawọ́ dudu (plenary tí 19 Oṣù Kejìlá 2026), kò nínú ayẹ̀wò tí a fi kọ́ nínú Aṣàfilọ́lẹ̀ (EU) 2016/1675 bí a tí ṣe ìdapọ̀ lórí ọjọ́ 29 Oṣù Kejìlá 2026, àti kò nínú ayẹ̀wò Ì tí a fi kọ́ nínú ayẹ̀wò owó EU bí a tí ṣe ìdapọ̀ lórí Oṣu Keje 2026. Ṣayẹwo nínú 7 Oṣù Kejìlá 2026.

Ìjọba àti ìṣàlàyé

Gomina: Àwọn Ìjọba Alábòójútó
Àwọn Ìṣàmúlò-ètò: Charles III · lati Oṣù Kejìlá 2022
Prime Minister: Andy Burnham (Labour Party)
Àwọn ààyè-iṣẹ́: Àwọn Ìṣàmúlò-ètò
Awọn idibo to kẹhin: Gbogbogbo idibo, 4 July 2024
Awọn idibo to n bọ: General election, due by 2029. Andy Burnham succeeded Keir Starmer as Labour leader and Prime Minister in July 2026 without a general election, after winning the Makerfield by-election on 18 June 2026
Àwọn Ìṣàmúlò-ètò: Parliament: House of Commons (650 seats) ati House of Lords
Siséèsì Ìjọba: Àwọn Ìjọba Ìṣàmúlò-ètò English (Scotland ní ààyè-iṣẹ́ ilé-ẹ̀yàn ìṣòró atí ilé-ẹ̀yàn ìṣàmúlò-ètò

Economics and finance

Awọn eniyan: 69.5m (2025)
Ìjánu-ìsún: USD 4tn (2025)
GDP fun ẹni kọọkan: USD 57,608 (2025)
Awọn owo-ìwọ̀n: Àwọn ààyè-iṣẹ́
Central Bank of Nigeria: Àwọn Ìṣàmúlò-ètò
Àwọn ìṣàmúlò-ètò: S&P AA (stable) · Moody's Aa3 (stable) · Fitch AA- (stable) (as of August 2026)

A iṣẹ-dominated economy ninu eyi ti City of London ni ọkan ninu awọn meji olokiki agbaye international financial centers, ni pataki fun banki, foreign exchange, insurance ati asset management.

Àwọn Irinṣẹ́

Ààyè-iṣẹ́ 4Ìjánu-ìgbà láti gba àwọn ìpamọ́ (ìyàn banki UK)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèAkoko ti a fun ni ofin ni oṣu 6 lati igba ti ohun elo ba pari, tabi oṣu 12 lati igba ti wọn ba gba ohun elo ti ko pari

Awọn Iṣẹ́PRA, nípa ìgbàyélù tí FCA (àwọn ààtòjọ-ẹ̀yàn meji)

Àwọn Ìṣẹ́: Financial Services and Markets Act 2000, Part 4A; PRA and FCA Threshold Conditions
Àwọn Irinṣẹ́: Ojú-ìwé kan tí a fi pamọ́ sí FCA àti ìpapọ̀ nílè laarin FCA àti PRA. Ojú-ìwé FCA kọ̀ọ̀kan àwọn banks nínú ìdíyelé Ìjáde 7 (GBP 28,150); àwọn ìṣàmúlò-ètò tí wọ́n jẹ́ ẹ̀yàn-ìjáde A1 nínú ìjáde 8 (GBP 56,300). Àkọsílẹ̀ ìṣàfilọ́lẹ̀-ẹ̀yàn kò lè ṣe.
Ìfihàn: Ko si iwe irinna EU lati igba Brexit; banki UK kan nilo ijẹrisi agbegbe ni gbogbo orilẹ-ede EEA.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ṣẹ̀dá àwọn Ààyè-iṣẹ́ Aṣàfilọ́lẹ̀ PRA ati FCA nínú ìṣẹ̀dá náà àti ní gbogbo àkókò, àti nígbà tí a bà fi pamọ́
Awọn Iṣẹ-iṣe Ajọṣepọ, ICAAP ati ILAAP ti a ṣe atunyẹwo ni ọna iṣẹ-ṣiṣe ti o yanilenu mẹta (akoko akọkọ, ipadabọ, awọn ipade iwadii imọ-ẹrọ)
Awọn owo-ori fun awọn oṣu 12 akọkọ ti iṣẹ-ṣiṣe ti a ṣe agbekalẹ (tabi fun akoko igbimọ ti a ba lo igbimọ), pẹlu iwe-aṣẹ CRR Àkọsílẹ̀ 26(3) fun CET1 àwọn ohun-elo
Awọn adari ẹgbẹ ati awọn aṣofin ti o dara julọ; ni iye to kere ju Ọjọgbọn, CEO ati oludari miiran kan ṣaaju ki wọn to lọ si igbimọ
Irin-ajo igbimọ: a fọwọsi pẹlu awọn ofin, gbogbo awọn idogo ti o to GBP 50,000, o kere ju ọdun 12; lati lọ kuro ni ibamu si iwe-aṣẹ ti a lo fun o kere ju ọdun 3 ṣaaju ki o to pari ọdun 12

Sources(5)

Bank of England: New bank authorisation process · checked 2026-10-07
Bank of England: Mobilisation · checked 2026-10-07
Bank of England: New Bank Start-up Unit, regulatory expectations · checked 2026-10-07
PRA Supervisory Statement SS3/21 (January 2026): Non-systemic UK banks, the PRA's approach to new and growing banks · checked 2026-10-07
FCA: Authorisation and registration application fees · checked 2026-10-07

E-owo ile-iṣẹ

Àwọn Ìṣàmúlò-ètò

Awọn ohun-ini ti o kere juUSD 392k

AgbègbèFCA ni mò fẹ́ sọ̀rọ̀ ìṣàfilọ́lẹ̀ to kù ninú oṣu 3 àti ohunkohun ninú oṣu 12 tí a bà gba (EMRs 2011 reg. 9)

Awọn Iṣẹ́FCA

Ibẹrẹ owo-ori ti o kere ju EUR 350,000 (EMIs kekere: 2% ti apapọ e-owo to wa nibẹ nigba ti o ba de EUR 500,000)

Àwọn Ìṣẹ́: Electronic Money Regulations 2011 (SI 2011/99), Schedule 2
Àwọn Irinṣẹ́: FCA owo iforukọsilẹ Category 5 (GBP 5,640) fun EMI ti a fọwọsi; Category 3 (GBP 1,130) fun EMI kekere.
Ìfihàn: Ko si iwe irinna EEA lati igba Brexit.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn owo-ori ibẹrẹ ati awọn owo-ori ti ara ẹni ti n lọ lọwọ ni ibamu si Sẹ́rẹ́lẹ̀ 2
Ìgbàyélú àwọn ẹ̀yàn tí a gba fun owó e-
Ìṣàmúlò-ètò àti àwọn alábòójútó
AML/CTF systems under the Money Laundering Regulations 2017

Sources(3)

legislation.gov.uk: Electronic Money Regulations 2011, Schedule 2 · checked 2026-10-07
legislation.gov.uk: Electronic Money Regulations 2011, regulation 9 · checked 2026-10-07
FCA: Authorisation and registration application fees · checked 2026-10-07

Ààyè-iṣẹ́ iṣẹ́ ifowopamọ́ (PSP)

Awọn ile-iṣẹ́ tí a fọwọ́sì fuń ifowopamọ

Awọn ohun-ini ti o kere juUSD 140k

AgbègbèFCA gbọdọ yan ohun elo to ku ninu oṣu 3 ati eyikeyi ohun elo ninu oṣu 12 ti a gba (PSRs 2017 reg. 9)

Awọn Iṣẹ́FCA

EUR 125,000 fun iṣẹ́ ifowopamọ́ (a) si (e) tí a ṣe nínú àtòjọ 1; EUR 50,000 fún iforukosilé ifowopamọ́ nikan; EUR 20,000 fún fifun owò lọ́wọ́lọ́wọ́ nikan; ko si fún àwọn ìròyìn iroyiǹ lọ́wọ́lọ́wọ́

Àwọn Ìṣẹ́: Payment Services Regulations 2017 (SI 2017/752), Schedule 3
Àwọn Irinṣẹ́: FCA owo iforukọsilẹ Category 4 (GBP 2,820) tabi Category 5 (GBP 5,640) fun PI ti a fọwọsi da lori iṣẹ; Category 3 (GBP 1,130) fun PI kekere.
Ìfihàn: Ko si iwe irinna EEA lati igba Brexit.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Aṣàfilọ́lẹ̀ ìmọ́ràn nínú Iṣẹ́ Ẹ̀yà A, B tabi C bi a ti sọ̀rọ̀ nípa FCA
Ìgbàyélú àwọn owó igbẹ́kẹle
Ìṣàmúlò-ètò àti ìdáràn
AML/Ìṣàmúlò-ètò CTF

Sources(3)

legislation.gov.uk: Payment Services Regulations 2017, Schedule 3 · checked 2026-10-07
legislation.gov.uk: Payment Services Regulations 2017, regulation 9 · checked 2026-10-07
FCA: Authorisation and registration application fees · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Iforukọsilẹ iṣowo Cryptoasset (Awọn ofin ti o ni ibatan si awọn owo)

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèFCA ní àwọn oṣù 3 láti yan nígbà tí o bá ní àwọn ìròyìn gbogbò tí o fẹ́

Awọn Iṣẹ́FCA (AML/CTF supervisor fun awọn iṣowo cryptoasset lati 10 January 2020)

Àwọn Ìṣẹ́: Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017
Àwọn Irinṣẹ́: FCA pricing Category 6 (GBP 11,260), non-refundable; annual periodic fees apply.
Ìfihàn: Ko si. Iforukọsilẹ ko funni ni aabo FOS tabi FSCS fun awọn alabara.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Ṣẹ̀dá ìṣàfilọ́lẹ̀ láti fi bẹrẹ àwọn iṣẹ́ cryptoasset nínú àgbèwọlé tí a ṣe nínú UK
AML/CTF framework ati àwọn alábòójútó ìpele kejì tí a fẹ́
Ṣàfikún nínú ìṣàmúlò-ètò náà niló ìyànṣẹ́ FCA láipẹ́
Awọn ipadabọ ẹṣẹ owo-iworo REP-CRIM fun ọdun kan

Sources(3)

FCA: Cryptoassets AML/CTF regime · checked 2026-10-07
FCA: Cryptoasset registration, information for applicants · checked 2026-10-07
FCA: Authorisation and registration application fees · checked 2026-10-07

Àwọn ààyè-iṣẹ́ ìṣàmúlò-ètò aimọye (VASP)

Àwọn ààyè-iṣẹ́

Awọn ohun-ini ti o kere juA kò fi pamọ́

AgbègbèA kò fi pamọ́

Awọn Iṣẹ́FCA

Àwọn Ìṣẹ́: Financial Services and Markets Act 2000 (Cryptoassets) Regulations 2026, passed by Parliament on 4 February 2026
Ìfihàn: Kò ní.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn ofin yoo wa ni kikun lati ọjọ 25 Oṣù Kejìlá ọdun 2027; wọn yoo da lori ifunni stablecoin, awọn oju-iwe ayelujara iṣowo, ibaraẹnisọrọ, iṣeto, aabo, fifọ, fifun ati gba owo
Ìṣàfihàn MLR tí wa kò yipada nípa àtòjọ-ẹ̀yàn; àwọn ile-iṣẹ̀ gbọdọ̀ fẹ́ ìṣẹ̀dà FSMA
Awọn iforukọsilẹ window fun awọn ile-iṣẹ ti o da lori awọn igbesẹ aabo: 30 September 2026 si 28 February 2027
Àwọn ààyè-iṣẹ́ ìròyìn nínú àwọn iwe-ìṣàfilọ́lẹ̀ tuntun COREPRU atí CRYPTOPRU (FCA àwọn ààyè-iṣẹ́ ipari tí a tẹ̀jade 30 Oṣù Kejìlá 2026)

Sources(2)

FCA: Cryptoassets · checked 2026-10-07
FCA: Overview of our cryptoasset regime policy statements · checked 2026-10-07

Firma idoko-owo

MiFID investment firm (Part 4A permission)

Awọn ohun-ini ti o kere juUSD 99k

AgbègbèFSMA Part 4A awọn akoko ipari: 6 oṣu lati ohun elo ti o pari, 12 oṣu lati ọkan ti ko pari (bi a ti sọ fun awọn ohun elo banki nipasẹ Bank of England)

Awọn Iṣẹ́FCA

Iṣẹ́ mìíràn tí a gbà nígbà kan lati GBP 75,000 (gẹ́gẹ́ bí ibaraẹnisọrọ àti ìforúkọsílẹ́ àwọn ẹ̀yà, ko si owó ọ̀rọ̀) sí GBP 150,000 (awọn owó ọ̀rọ̀ tabi àwọn ohun-ini, iṣẹ́ MTF) àti GBP 750,000 (awọn iṣẹ́ nípa àkọ́kọ́ rẹ̀, ìforúkọ́).

Àwọn Ìṣẹ́: Financial Services and Markets Act 2000, Part 4A; FCA Handbook MIFIDPRU 4.4
Àwọn Irinṣẹ́: FCA owo iforukọsilẹ da lori awọn iwe-aṣẹ; diẹ ninu awọn oludari idoko-owo MiFID ati awọn ile-iṣẹ CFD wa ni ẹka 6 (GBP 11,260).
Ìfihàn: Ko si iwe irinna EEA lati igba Brexit.

Àwọn ìṣàmúlò-ètò Bọ́tìnì

Awọn owo-ori rẹ̀ nínú ohun tí o gàjú jú gbogbo àwọn ìṣàmúlò-ètò tó kere jù lọ, àwọn ìṣàmúlò-ètò àìpapọ̀ àti àwọn ìṣàmúlò-ètò K-factor
Awọn eniyan ti a fọwọsi ni ibamu pẹlu awọn oludari olori ati eto ijẹrisi
Àwọn ààyè-iṣẹ́ àti àwọn ẹ̀yàn-ìpamọ́

Sources(2)

FCA Handbook: MIFIDPRU 4.4 Permanent minimum capital requirement · checked 2026-10-07
FCA: Authorisation and registration application fees · checked 2026-10-07

Àwọn Aṣàfilọ́lẹ̀

Àwọn Ìṣàfilọ́lẹ̀

Prudential Regulation Authority (Bank of England) (PRA) · websitebanks
Awọn aṣofin Iṣẹ-ọna Owo-iworo (FCA) · aaye ayelujaraawọn banki, awọn ile-iṣẹ owo-ẹya, awọn olupese iṣẹ isanwo, awọn ile-iṣẹ idoko-owo, awọn olupese iṣẹ ohun-ini kọnputa (VASPs)

UK ti o kere ju ibẹrẹ owo fun kan tuntun banki ko ti wa ni da lori a ti ṣii osise orisun, ki o si ti fi silẹ null; awọn PRA ṣe iṣiro iye owo to dara fun awọn akọkọ 12 osu ti iṣẹ nipa iṣẹlẹ. The FCA timeline ti a fi han fun investment ile-iṣẹ yio si fihan awọn ofin FSMA Part 4A ọjọ-ori ti a ti ṣalaye nipasẹ Bank of England fun awọn ohun elo banki. Labẹ awọn tuntun cryptoasset eto, awọn ile-iṣẹ yẹ ki o lo ninu awọn idogo window (30 September 2026 si 28 February 2027) lati tẹsiwaju lati ṣiṣẹ nigba ti wọn ohun elo ni a ti ṣe iṣiro; awọn ijọba ti a beere ni April 2026 lori a draft SI eyi ti le gbe diẹ ninu awọn UK-ti a tẹjade stablecoin iṣẹ sinu awọn sisanwo eto ọjọ iwaju. Online itatẹtẹ (UK Gambling Commission) ti ko ti wa ni dapọ ninu yi irin ajo.

Àwọn Àtòjọ-ẹ̀yàn Gbogbogbo

United Kingdom

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

Ìbàlẹ̀: Awọn orilẹ-ede ti o ni ijọba
Ọ̀kọ̀ọ̀kan: London
Agbègbè: 243,610 km²
Awọn ede Ofin: English, Welsh (in Wales)
Zone Time: UTC+00:00 (UTC+01:00 nínú igba otutu)

Àwọn àgbéwọlé ìṣàfihàn

awọn iṣẹ owo
iṣẹ́ ile-iṣẹ́ atí iṣẹ́ alamọja
awọn ọkọ ayọkẹlẹ
golden
Àwọn ààyè-iṣẹ́
iwosan ti a ṣelọpọ

Àwọn ìṣàfihàn ààyè-iṣẹ́

United States
China
Germany
Netherlands Antilles
Irelandì

Sources for the country information(8)

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(9)

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
Bank of England: New bank authorisation process · checked 2026-10-07
Bank of England: Mobilisation · checked 2026-10-07
FCA: Authorisation and registration application fees · checked 2026-10-07
FCA: Cryptoassets · checked 2026-10-07
FCA: Overview of our cryptoasset regime policy statements · checked 2026-10-07