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-America neCaribbean

i-Panama

I-Panama iyindawo enkulu kunazo zonke yebhange eMpumalanga Ephakathi Melika, enezomnotho owenziwe ngedola (idola lase-US lijikeleza ngakwesokudla kwe-balboa) kanye nohlelo lwebhange lwamazwe omhlaba oluhlanganisiwe ngamalayisense ajwayelekile, amazwe omhlaba nalowo mhlangano. Kuyindawo yokugcina imakethe yamasheya esifundazweni elawulwa yi-Superintendencia del Mercado de Valores.

Isibhamu sengoziIsiqephu
FATFAkukho kuluhlu
EU AML uhlu lwengozi ephezuluAkukho kuluhlu
i-EU tax listAkukho kuluhlu
Izinhlelo zelayisense4
ImaliPAB
Izinga le-S&PBBB-
Ukhetho OlulandelayongoMeyi 2029

Panama moved from Annex I to Annex II (cooperating, with commitments still to implement) of the EU list of non-cooperative jurisdictions for tax purposes in the revision of 9 October 2026. It left FATF increased monitoring in October 2023 and was removed from the EU high-risk third country list by Delegated Regulation (EU) 2025/1184, in force 5 August 2025. Kuhlolwe 13 Okthoba 2026.

Umbuso nepolitiki

UMbuso
IRiphabhulikhi yePhini likaMengameli
UMengameli
José Raúl Mulino · kusukela ngoJulayi 2024
UMengameli
Jose Raul Mulino (Realizando Metas (RM))
Amaqembu alawulayo
IRealizando Metas (RM), ekhethiwe ngokulingana nePartido Alianza
Ukhetho oludlule
IGeneral (yesikhulu kanye nomthethosivivinywa), 5 Meyi 2024
Ukhetho Olulandelayo
IGeneral (yesikhulu kanye nomthethosivivinywa), May 2029. UMengameli usebenza iminyaka emibili 5
Umthethosivivinywa
Ingqungquthela yezwe: i-unicameral, iziqongo ezingu-71
Indlela yomthetho
Umthetho wesizwe

Economics and finance

Abahlali
4.6m (2025)
I-GDP
US$ 90.5 billion (2025)
I-GDP ngamuntu
US $19,814 (2025)
Imali
I-Panamese balboa nedola laseMelika (PAB), i-dollarized: i-balboa ihlanganiswe nedola laseMelika, eliyimali yomthetho futhi ijikeleza njengemali yephepha
Ibhange Eliphakathi
Akukho bhange eliphakathi (I-Superintendency of Banks of Panama ilawula amabhange; Banco Nacional de Panamá iyibhange lezwe)
Izinga lemali
I-S&P BBB- (eqinile) · iMoody's Baa3 (yebi) · i-Fitch BB+ (eqinile) (ngoSepthemba 2026)

I-economies yezinsizakalo ezikhokhelwa ngedola eyenziwe ku-Panama Canal, iColón Free Zone, amaphakheji kanye nendawo yokukhokha yamazwe omhlaba elawulwa yiSuperintendency of Banks.

Ibhange

Licencia General (ilayisense lebhange elijwayelekile)

Imali encanei-USD 10m
IsikhathiUmqondisi uthatha isinqumo ngaphakathi kwezinsuku ezingu-90 zokufaka isicelo esigcwele (isiqephu 48)
Igunyai-Panama

PAB 10 million ekhokhiwe noma izimali ezinikezelwe, ngaphandle kwezingozi (isiqephu 68)

Umthetho
Texto Único de la Ley Bancaria (Decreto Ejecutivo No. 52 de 2008, ordering Decreto Ley 9 de 1998 as amended by Decreto Ley 2 de 2008), arts. 41, 47, 48 and 68
Izindleko
Izindleko zonyaka zokulawulwa nokuqondiswa PAB 30,000 kanye ne-PAB 35 ngayinye ye-PAB ezigidini ezingu-1 zempahla ephelele, ingxenye esekelwe kwimpahla ifinyelela ku-PAB 100,000 (isiqephu 225); iSBP ingayilungisa.
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Isicelo sifakwe ngokubhala ngesandla sommeli wasePanama (apoderado legal)
  • Ulwazi lwabanikazi abakhulu bezimali kanye nokunethezeka kokulawula
  • Isiqiniseko sokuthi ungakwazi ukunikela ngemali engenayo encane kakhulu, nokuqala okucacile
  • Izinhlelo zebhizinisi ezibonisa ukuphumelela nokunikela ezomnotho wasePanama
  • Isitifiketi sokuhlala isikhathi eside sikhishwa kuqala, isitifiketi esiphelele ngemuva kokubhaliswa kwi-Public Registry
Sources(1)
  1. SBP: Texto Único de la Ley Bancaria · checked 2026-10-07
Ibhange

Licencia Internacional (ilayisense lebhange eliphakathi nendawo)

Imali encanei-USD 3m
IsikhathiUmqondisi uthatha isinqumo ngaphakathi kwezinsuku ezingu-90 zokufaka isicelo esigcwele (isiqephu 48)
Igunyai-Panama

PAB 3 amamilione akhokhelwe noma anikezelwe um kapitali (isiqephu 68), lapho i-PAB engu-250,000 kufanele igcinwe njengediphozithi yokuqinisekisa eBanco Nacional de Panamá noma Caja de Ahorros

Umthetho
Texto Único de la Ley Bancaria (Decreto Ejecutivo No. 52 de 2008), arts. 41, 68 and 71
Izindleko
Izindleko zonyaka zokulawulwa nokuqondiswa PAB 15,000 (isiqephu 225).
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Ibhizinisi eliqondiswa esiteshini sasePanama ngezenzo ezisebenza ngaphandle kwezwe kuphela
  • Isimo esifanayo nesifanele, isizinda somnotho kanye nemithetho yohlelo lwebhizinisi njengelayisense eliyisisekelo
  • Imithetho yokunethezeka kwezimali lapho i-SBP iyisikhulu sasekhaya (isiqephu 71)
Sources(1)
  1. SBP: Texto Único de la Ley Bancaria · checked 2026-10-07
Ibhange

Ilayisense le-ofisi yombukiso

Imali encaneAkukho kushicilelwe
IsikhathiUmqondisi uthatha isinqumo ngaphakathi kwezinsuku ezingu-90 zokufaka isicelo esigcwele (isiqephu 48)
Igunyai-Panama
Umthetho
Texto Único de la Ley Bancaria (Decreto Ejecutivo No. 52 de 2008), art. 41
Izindleko
Izindleko zonyaka zokulawulwa nokuqondiswa PAB 5,000 (isiqephu 225).
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Itholakala kuphela kumabhange angaphandle, omele asebenzise ngokuqondile
  • I-ofisi yombukiso kuphela; akukho bhizinisi lebhange ePanama
Sources(1)
  1. SBP: Texto Único de la Ley Bancaria · checked 2026-10-07
Inkampani yokutshala imali

Ilayisense lomthengisi-ummeli; ilayisense lomcebisi wokutshala imali

Imali encaneAkukho kushicilelwe
IsikhathiAkukho kushicilelwe
IgunyaImakethe yamasheya
Umthetho
Ley del Mercado de Valores (Decreto Ley 1 de 1999 as amended, including by Ley 67 de 2011, texto único)
Ukudluliswa kwepasipoti
Akukho mthetho wokufaka ipasipoti.
Izidingo ezibalulekile
  • Izinhlangano ezinelayisense kuphela ezingakwazi ukuphatha ibhizinisi le-broker-dealer noma lochwepheshe wokufaka imali ePanama
  • Ama-broker-dealers anganikeza iziphakamiso zokutshala imali ngaphandle kwelayisense ehlukile yomcebisi
  • Imali engenayo nezidingo zezimali ezisetshenzisiwe yimithetho ye-SMV (amasivumelwano)
  • Abaphathi abakhulu abanelayisense, abathengisi kanye nabacwaningi
  • Isivumelwano esidlule se-SMV sokuguqulwa kokulawula
Sources(2)
  1. SMV: Ley del Mercado de Valores · checked 2026-10-07
  2. Decreto Ley 1 de 1999 (SMV copy) · checked 2026-10-07
Ama-Supervisors

Ubani olawula

  • Superintendencia de Bancos de Panama (SBP) · websitebanks
  • Superintendencia del Mercado de Valores (SMV) · websiteInvestment firms, Funds

I-Ley Bancaria ivumela i-SBP ukuthi ishintshe inani elincane lemali nezindleko zokuhlola ngokusho kwe-acordo. Umthetho we-1999 omusha weDecreto Ley 1 ubeka imali yelayisense yomthengisi-umhlinzeki engu-PAB 5,000 kanye nemali yokuhlola ngonyaka engu-0.0025% yokuhweba ngonyaka (intengo ephansi ye-PAB 2,500); lezi zibalo aziqinisekiswanga ngohlelo lokusebenza lwamanje oluhlobene, ngakho-ke indawo yezimali ayisebenzi. Akukho crypto-asset noma umthetho wokuhlinzeka ngezinsizakalo ze-virtual assets waziwa kumasayithi we-SBP noma we-SMV; isimo sayo sezomthetho asikuqinisekisiwe kusuka emthonjeni osemthethweni kulolu cwaningo. Izitolo zokudluliselwa kwemali nokukhokha kanye nokudlala online (Junta de Control de Juegos) akuqinisekiswanga emazingeni asemthethweni kulo mkhawulo, ngakho-ke akukho okuthunyelwe. I-Ley Bancaria ivumela i-SBP ukuba iguqule inani elincane lemali nezindleko zokuhlola ngokusho kwe-acordo.

Ulwazi oluphelele

Manje nge-Panama

i-Panama
Imephu yePanama Idolobha lasePanama
Izilimi zesihlabathi. I-map ikhombisa kuphela.
Isimo
Izwe elilawulayo
Idolobhakazi
Idolobha lasePanama
Indawo
75,420 km²
Izilimi ezisemthethweni
isi-Spanish
Indawo yesikhathi
UTC-05:00

Ukuthunyelwa okuyinhloko

  • I-Panama Canal transit kanye nezinsizakalo zokuphatha
  • Izinsizakalo zezezimali
  • Ama-banana
  • Inhlanzi
  • Ipetroli ehlanzekile

Abahlanganyeli abakhulu

  • i-China
  • i-Japan
  • i-United States
  • i-Thailand
  • i-Costa Rica
Sources for the country information(6)

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(5)
  1. FATF public statement 19 June 2026, as circulated by the Insurance Commission of The Bahamas · checked 2026-10-07
  2. EUR-Lex: Commission Delegated Regulation (EU) 2025/1184 · checked 2026-10-07
  3. EUR-Lex: Commission Delegated Regulation (EU) 2016/1675 (consolidated 29 January 2026) · checked 2026-10-07
  4. European Commission: EU updates list of non-cooperative tax jurisdictions (17 February 2026) · checked 2026-10-07
  5. SBP: Ley Bancaria · checked 2026-10-07