Le khasi laguqulelwa ngokuzenzakalela kusuka ngesiNgisi futhi ayikho ebuyekezwe ngumhumushi. Izimo zomthetho nezomthetho zingaba ziyiphutha. Uhlobo lwesiNgisi luyinguqulo egunyaziwe. Funda le khasi ngesiNgisi
Xhumana nommeli

i-Europe (EU)

i-Italia

I-Italy iyindawo yesithathu enkulu kunazo zonke ezweni le-euro ngesevisi enkulu yebhange lasekhaya kanye nemakethe ekhulayo yamadiphozithi nama-fintech. I-Banca d'Italia ilawula amabhange, izinhlangano zokukhokha nama-e-money, i-CONSOB ibhekana nezinhlangano zokutshala imali nabathengisi bezinkonzo ze-crypto-asset, futhi ukugembula kwe-inthanethi kusebenza ngaphansi kwemodeli yesivumelwano sezwe esilawulwa yi-ADM.

Isibhamu sengoziIsiqephu
FATFAkukho kuluhlu
EU AML uhlu lwengozi ephezuluAkukho kuluhlu
i-EU tax listAkukho kuluhlu
Izinhlelo zelayisense6
Imalii-EUR
Izinga le-S&PBBB+
Ukhetho Olulandelayo2027

Italy is not on the FATF grey or black lists (plenary of 19 June 2026); njengezwe elingumlungu we-EU lingaphandle kohlelo lohlu lwezwe lesithathu elinomthelela omkhulu e-EU (Imithetho egunyaziwe 2016/1675, iqoqwe 29 ngoJanuwari 2026) kanye nohlu lwezimali ze-EU (Isiqephu I, kubuyekeziwe 17 ngoFebhuwari 2026). Kuhlolwe 7 Okthoba 2026.

Umbuso nepolitiki

UMbuso
IRiphabhulikhi yeParliamentary
Umholi wezwe
Sergio Mattarella · kusukela ngoFebhuwari 2015
UMengameli weKhomishini yamaMasipala (uMongameli)
I-Giorgia Meloni (iBrothers of Italy (FdI))
Amaqembu alawulayo
Abahlobo base-Italy (FdI), iLiga (Lega), iForza Italia (FI), Sihlelekile (Noi Moderati)
Ukhetho oludlule
25 Septhemba 2022
Ukhetho Olulandelayo
Izinga eliphelele (i-parliamentary), idinga u2027. Izinhlolovo eziphakathi-2026 zithi ukuvota kuqala ebusika 2027 kubhekwa
Umthethosivivinywa
IPhalamende: iKhabhinethi yamaNgqongqoshe (amasevisi angama-400) kanye neSeneti yeRiphabhulikhi (amasevisi angama-200 akhethiwe kanye namalungu eSenate okuphilayo)
Indlela yomthetho
Uhlelo lomthetho wesizwe; iNkantolo YoMthethosisekelo

Economics and finance

Abahlali
58.9m (2025)
I-GDP
i-USD 2.6tn (2025)
I-GDP ngamuntu
US$43,270 (2025)
Imali
i-euro (EUR)
Ibhange Eliphakathi
i-Banca d'Italia (ingxenye ye-Eurosystem)
Izinga lemali
S&P BBB+ (positive) · Moody's Baa2 (stable) · Fitch BBB+ (stable) (ngoSepthemba 2026)

I-euro zone's third-largest economy, driven by manufacturing in the industrial north, luxury goods, tourism and a large banking sector centred on Milan, and constrained by public debt of about 136 to 138 per cent of GDP.

Ibhange

Ilayisense lebhange

Imali encaneUS$ 11.2m
IsikhathiECB isinqumo esiphelele ngaphakathi kwezinsuku ezingu-180 zokuthola isicelo (singaphansi kokumiswa) futhi nganoma iyiphi indlela ngaphakathi kwezinyanga eziyi-12
IgunyaECB ngesinqumo se-Banca d'Italia

izigidi ze-EUR 10 ezibhange ngefomu lezinkampani zomphakathi, amabhange e-'popolari' namabhange okuqinisekisa imali engenayo; ama-EUR 5 ayizigidi zamabhange okukhokha ngokucophelela

Umthetho
Legislative Decree 385/1993 (Consolidated Law on Banking, TUB), art. 14; Banca d'Italia Regulation of 10 August 2021; Regulation (EU) No 1024/2013 (SSM)
Ukudluliswa kwepasipoti
Yebo: ipasipoti ye-EU ngaphansi kwe CRD (iMibandela 33 kuya ku-39) yezifunda kanye nezinsizakalo ezidlula emgwaqweni
Izidingo ezibalulekile
  • Ifomu lezomthetho lenkampani elawulwa yizwe noma inkampani yokusebenzela
  • I-ofisi ebhalisiwe nenhlokodolobha e-Italy
  • Abanikazi bezimali abafanelekayo kanye nohlelo lokulawula olufanele; akukho izingxabano ezincane ezivimbela ukuqondiswa
  • Izinhlelo zokuqala zebhizinisi ezibhekene nokugcinwa kwezimali, izihloko zenhlangano, ingxelo yohlelo kanye nemithetho yokukhokha
  • Umengameli we-Italian deposit guarantee scheme (TUB art. 96) kanye ne-ADR system (TUB art. 128-bis) ngemuva kokuthola ilayisense
Sources(3)
  1. Banca d'Italia: Market access, banks (licensing requirements and procedure) · checked 2026-10-07
  2. ECB Banking Supervision: Authorisation (licensing) · checked 2026-10-07
  3. EUR-Lex: Directive 2013/36/EU (CRD), Art. 12 initial capital and Art. 15 decision deadline (consolidated) · checked 2026-10-07
Inhlangano yemali-elektroniki

Ukugunyazwa kwenhlangano yemali ye-elekthronikhi (IMEL)

Imali encanei-USD 392k
IsikhathiPSD2 isiqendu 12 (isetshenziswa kuma-EMIs nge-EMD2): isigqibo ngaphakathi kwezinyanga ezingu-3 ngemuva kokufaka isicelo esigcwele; isikhathi sokuphela kwenqubo yeBanca d'Italia asikuqinisekisiwe
Igunyai-Banca d'Italia

Um kapitali wokuqala we-EUR 350,000; imali engenayo eqhubekayo engaphansi kuka-2% yomthamo wemali ye-e ekhona (EMD2 isigaba 5)

Umthetho
Consolidated Law on Banking (TUB), Title on electronic money institutions; register under TUB art. 114-quater
Ukudluliswa kwepasipoti
Yebo: ipasipoti ye-EU ngaphansi kwe EMD2/PSD2 ngebhange, ummeli, umhlinzeki noma ukuhlinzekwa mahhala kwezinsizakalo
Izidingo ezibalulekile
  • Abanikazi bezimali abafanelekayo kanye nohlelo lokulawula olufanele
  • Isicelo sithunyelwe ku-Banca d'Italia ngaphansi kwezinqubo zayo zokugunyaza
  • I-Hybrid EMIs kumele iqhube izimali ze-e-nezinsizakalo zokukhokha ngemali engenayo
  • Umengameli we-ADR system (TUB art. 128-bis)
Sources(3)
  1. Banca d'Italia: Market access, electronic money institutions · checked 2026-10-07
  2. EUR-Lex: Directive 2009/110/EC (EMD2), Art. 4 initial capital and Art. 5 own funds · checked 2026-10-07
  3. EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07
Umhlinzeki wezinsizakalo zokukhokha (PSP)

Igunya lenhlangano ekhokhela

Imali encanei-USD 140k
IsikhathiPSD2 Art. 12: isigqibo ngaphakathi 3 kwezinyanga zesicelo esiphelele
Igunyai-Banca d'Italia

I-EUR 125,000 yezinsizakalo zokukhokha ezingu-1 kuya ku-5; i-EUR 50,000 yokuqalisa ukukhokha; i-EUR 20,000 yokudluliselwa kwemali kuphela

Umthetho
Consolidated Law on Banking (TUB), art. 1(2)(h-septies.1) payment services; register under TUB art. 114-septies
Ukudluliswa kwepasipoti
Yebo: ipasipoti ye-EU ngaphansi kwe PSD2 Art. 28 (ibhange, ummeli noma ukuhlinzekwa mahhala kwezinsiza)
Izidingo ezibalulekile
  • Abanikazi bezimali abafanelekayo kanye nohlelo lokulawula olufanele
  • Izinsizakalo zokukhokha ezihlinzekwa ngemali-mboleko ekhethekile yezinhlangano
  • Isikweletu se-indemnity esizimele noma isiqinisekiso esilinganisekayo sezinsizakalo zokuqashwa kwemali
  • Umengameli we-ADR system (TUB art. 128-bis)
Sources(2)
  1. Banca d'Italia: Market access, payment institutions · checked 2026-10-07
  2. EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07
Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Ugunyazo lwe-crypto-asset service provider (CASP) ngezansi MiCA

Imali encanei-USD 56k
IsikhathiUkuhlolwa kokuphelele kwesicelo ngaphakathi kwezinsuku ezingu-25 zokusebenza, bese kuthathwa isinqumo ngaphakathi kwezinsuku eziyi-40 zokusebenza ngemuva kokufaka isicelo esigcwele (ukumiswa kwezicelo zemininingwane kuze kube yizinsuku ezingama-20 zokusebenza); isigqibo sithunyelwe ngaphakathi kwezinsuku ezingu-5 zokusebenza.
IgunyaCONSOB ngokuxoxisana neBanca d'Italia (i-CASPs ekhethekile); iBanca d'Italia ngokuxoxisana neCONSOB ye-EMIs kanye nezinhlangano zokukhokha

MiCA Isigaba 67 neSihluthulelo IV: i-EUR 50,000 (isigaba 1: ukuphatha izicelo, ukubeka, ukudlulisa izinsizakalo, ukufinyelela nokudluliselwa, insizakalo, ukuphathwa kwempahla), i-EUR 125,000 (isigaba 2: ukuhlanganisa ukugcinwa nokulawula, kanye nokushintshana kwemali noma ezinye izinto ezingekho emthethweni), i-EUR 150,000 (isigaba 3: ukuhlanganisa ukusebenza kwephrojekthi yokuhweba); noma isigamu semali ekhokhwayo yonyaka odlule uma iphezulu

Umthetho
Regulation (EU) 2023/1114 (MiCA), arts. 59 to 63; Legislative Decree 129/2024
Ukudluliswa kwepasipoti
Yebo: MiCA ukugunyazwa kungadluliselwa ezweni lonke le-EU/EEA ngolwazi (MiCA isigaba 65)
Izidingo ezibalulekile
  • Ikheli elibhalisiwe ezweni lelungu lapho ingxenye encane yezinsizakalo zihlinzekwa khona, indawo yokulawula okusebenzayo e-EU kanye nochwepheshe othile ohlala e-EU (MiCA Isigaba 59(2)
  • Inhlangano yokulawula efanelekayo kanye nabanikazi bezimali abafanele
  • Ukuvikelwa nokuhlukaniswa kwama-crypto-assets nama-akhawunti ekhasimende, ukuphatha izimangalo, imithetho yokungqubuzana kwezinzuzo
  • AML/CFT iphrojekthi kanye nokuhambisana noMthetho wokudlulisa imali (EU) 2023/1113
  • Izicelo nezimemezelo ezifakiwe nge-imeyili eqinisekisiwe (PEC) ngokusebenzisa ifomu elivunyelwe; izinhlelo kumele ziqale ngaphakathi 12 kwezinyanga zogunyazo
Sources(5)
  1. Banca d'Italia: Market access, crypto-asset service providers (CASPs) · checked 2026-10-07
  2. Banca d'Italia and CONSOB joint press release, 30 June 2026: the MiCA transitional period comes to an end, 9 authorised entities in Italy · checked 2026-10-07
  3. Banca d'Italia: Notice on the extension of the national transitional period for MiCAR compliance (July 2025) · checked 2026-10-07
  4. EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Arts. 63, 67, 143 and Annex IV · checked 2026-10-07
  5. ESMA: List of grandfathering periods decided by Member States under Article 143(3) MiCA (version of May 2026) · checked 2026-10-07
Inkampani yokutshala imali

Ugunyazo lwenkampani yokutshala imali (SIM) (MiFID II)

Imali encanei-USD 84k
IsikhathiI-CONSOB ithatha isigqibo ngaphakathi kwezinyanga ezingu-6 ngemuva kokufaka isicelo esigcwele (isigaba 19(1) seTUF)
IgunyaCONSOB ngemuva kokuxoxisana neBanca d'Italia

IFD Isiqephu 9: i-EUR 75,000 (ukuthola nokudlulisa, ukwenziwa, ukuphathwa kwe-portfolio, insizakalo, ukubekwa ngaphandle kokubekezela kwenkampani, ngaphandle kokusebenzisa imali yomxhasi noma amasevisi agcinwe); i-EUR 150,000 (amanye amafemu); i-EUR 750,000 (ukuhweba nge-akhawunti yakho yomuntu siqu noma ukubhaliswa ngaphansi kwesisekelo sokubekezela kwenkampani)

Umthetho
Legislative Decree 58/1998 (Consolidated Law on Finance, TUF), art. 19; Regulation (EU) 2019/2033 (IFR)
Ukudluliswa kwepasipoti
Yebo: MiFID II ipasipoti (isigaba 34 ne-35) yezinsizakalo kanye nezifunda
Izidingo ezibalulekile
  • Imibandela ebekwe yi MiFID II imibandela yezobuchwepheshe (TUF art. 19(1))
  • Ugunyazo luphela uma umsebenzi ungaqalanga ngonyaka owodwa (TUF art. 19(3-ter))
  • Izinguquko eziphathelene nezimo zokugunyazwa kufanele zinikezwe umbiko ku-CONSOB neBanca d'Italia
  • Umengameli wezinhlelo zokukhokhelwa umthandi (TUF art. 59)
Sources(2)
  1. Normattiva: Legislative Decree 58/1998 (TUF), art. 19 authorisation of SIMs · checked 2026-10-07
  2. EUR-Lex: Directive (EU) 2019/2034 (IFD), Art. 9 initial capital · checked 2026-10-07
Umhlinzeki wemidlalo ye-inthanethi

I-Remote gaming concession

Imali encaneAkukho kushicilelwe
IsikhathiAkukho kushicilelwe
IgunyaI-Agenzia delle Dogane e dei Monopoli (ADM), ngemuva kwethenda lomphakathi
Umthetho
Legislative Decree 41/2024, art. 6
Izindleko
Imali ekhokhwa kabili engu-EUR 7 amamilione ngayinye yesivumelwano (i-EUR 4 amamilione ngesikhathi sokwamukela kanye ne-EUR 3 amamilione ngesikhathi sokuqashwa kwenkonzo); iqembu lebhizinisi ngalinye
Ukudluliswa kwepasipoti
Akuna-EU passport yokugembula: ukugembula okude e-Italy kudinga inkontileka ye-ADM
Izidingo ezibalulekile
  • Inkampani yezimali enesikhala esibhalisiwe ezweni le-EEA
  • Isipiliyoni sokugembula esifundazweni se-EEA esinemali engenayo engu-EUR 3 million eminyakeni emibini yamuva yezimali
  • Isiqinisekiso esizosiza i-ADM njengoba kuchazwe kwithenda
  • Concession lasts at most nine years and cannot be renewed
Sources(2)
  1. Normattiva: Legislative Decree 41/2024 on the reorganisation of remote gaming, art. 6 · checked 2026-10-07
  2. Agenzia delle Dogane e dei Monopoli: Gioco a distanza (remote gaming) and list of authorised concessionaires · checked 2026-10-07
Ama-Supervisors

Ubani olawula

  • Banca d'Italia (BdI) · websiteAmabhange, Izinhlangano zemali ye-E-, Abahlinzeki bezinkonzo zokukhokha, Abahlinzeki bezinkonzo zezimpahla ezibonakalayo (VASPs)
  • Commissione Nazionale per le Società e la Borsa (CONSOB) · websiteInvestment firms, Virtual asset service providers (VASPs)
  • Ibhange Eliphakathi Lase-Europe (Uhlelo Olulodwa Lokuhlola) (ECB) · iwebhusayithiAmabhange
  • Agenzia delle Dogane e dei Monopoli (ADM) · websiteOnline gaming

MiCA: I-Italy yamemezela isikhathi sokushintshana senyanga engu-18; ama-VASP abhaliswe esigabeni sase-Italy AML kufanele afake isicelo sokuthola igunya MiCA kuze kube ngu-30 kuDisemba 2025 ukuze athole insizakalo, futhi isikhathi sokushintshana siphelile ngo-1 kuJulayi 2026 (i-Banca d'Italia ne-CONSOB bashicilela ngokuhlanganyela ngo-30 kuJuni 2026, okusho ukuthi kukhona ama-CASP angama-8 avunyelwe yi-CONSOB). Ukusebenza kwebhange: I-Banca d'Italia ibeka imali yokuqala yezwe eyizigidi ezingama-EUR ezingu-10 zebhange le-joint-stock, ephindwe kabili i-EU floor. Iwebhusayithi ye-CONSOB ivala ukufinyelela okuzenzakalelayo, ngakho-ke ukungena kwenkampani yokutshala imali kusekelwe embhalweni we-TUF on Normattiva kanye ne-IFD; izindleko zokufaka isicelo selayisense le-SIM akuqinisekiswanga.

Ulwazi oluphelele

Manje nge-Italy

i-Italy emhlaba wonke
Imephu ye-Italy Roma
Izilimi zesihlabathi. I-map ikhombisa kuphela.
Isimo
Izwe elilawulayo
Idolobhakazi
Roma
Indawo
301,340 km²
Izilimi ezisemthethweni
IsiTaliyane
Indawo yesikhathi
UTC+01:00 (UTC+02:00 ebusika)

Ukuthunyelwa okuyinhloko

  • imithi epakishwe
  • izigqoko
  • izimoto
  • i-refined petroleum
  • amathuluzi namathuluzi
  • ukuvakasha

Abahlanganyeli abakhulu

  • IJalimane
  • i-United States
  • i-France
  • i-Spain
  • i-United Kingdom
Sources for the country information(9)

Ulwazi lwezwe luhlolwe ngo-Okthoba 9, 2026. Idatha yelayisense ivuselelwe ngo-Okthoba 7, 2026. Ulwazi kuphela, hhayi incazelo yomthetho; izimfuneko zishintsha. Isaziso sokulawula.

Sources for the licensing information(21)
  1. Banca d'Italia: Market access, banks (licensing requirements and procedure) · checked 2026-10-07
  2. Banca d'Italia: Market access, electronic money institutions · checked 2026-10-07
  3. Banca d'Italia: Market access, payment institutions · checked 2026-10-07
  4. Banca d'Italia: Market access, crypto-asset service providers (CASPs) · checked 2026-10-07
  5. Banca d'Italia and CONSOB joint press release, 30 June 2026: the MiCA transitional period comes to an end, 9 authorised entities in Italy · checked 2026-10-07
  6. Banca d'Italia: Notice on the extension of the national transitional period for MiCAR compliance (July 2025) · checked 2026-10-07
  7. Normattiva: Legislative Decree 58/1998 (TUF), art. 19 authorisation of SIMs · checked 2026-10-07
  8. Normattiva: Legislative Decree 41/2024 on the reorganisation of remote gaming, art. 6 · checked 2026-10-07
  9. Agenzia delle Dogane e dei Monopoli: Gioco a distanza (remote gaming) and list of authorised concessionaires · checked 2026-10-07
  10. ECB Banking Supervision: Authorisation (licensing) · checked 2026-10-07
  11. EUR-Lex: Directive 2013/36/EU (CRD), Art. 12 initial capital and Art. 15 decision deadline (consolidated) · checked 2026-10-07
  12. EUR-Lex: Directive 2009/110/EC (EMD2), Art. 4 initial capital and Art. 5 own funds · checked 2026-10-07
  13. EUR-Lex: Directive (EU) 2015/2366 (PSD2), Art. 7 initial capital and Art. 12 decision deadline · checked 2026-10-07
  14. EUR-Lex: Regulation (EU) 2023/1114 (MiCA), Arts. 63, 67, 143 and Annex IV · checked 2026-10-07
  15. EUR-Lex: Directive (EU) 2019/2034 (IFD), Art. 9 initial capital · checked 2026-10-07
  16. ESMA: List of grandfathering periods decided by Member States under Article 143(3) MiCA (version of May 2026) · checked 2026-10-07
  17. FATF: Jurisdictions under Increased Monitoring, 19 June 2026 (FATF site blocks automated access; content confirmed via official government notices below) · checked 2026-10-07
  18. Insurance Commission of The Bahamas: notice reproducing FATF Public Statement of 19 June 2026 on Jurisdictions under Increased Monitoring · checked 2026-10-07
  19. New Zealand Department of Internal Affairs: FATF jurisdictions under increased monitoring and call for action, June 2026 · checked 2026-10-07
  20. EUR-Lex: Commission Delegated Regulation (EU) 2016/1675, consolidated version of 29 January 2026 · checked 2026-10-07
  21. European Commission Representation in Luxembourg: EU updates its list of non-cooperative jurisdictions for tax purposes (17 February 2026) · checked 2026-10-07