Ibhange
Ingxenye 4A imvume yokuthatha izikweletu (igunya lebhange lase-UK) Imali encane Akukho kushicilelwe Isikhathi Isikhathi sokuphelelwa yisikhathi esisemthethweni se 6 amasonto kusuka kusicelo esiphelele, noma 12 amasonto kusukela ekutholeni isicelo esingaphelelanga Igunya PRA, ngesinqumo se-FCA (umthetho ophindwe kabili) UmthethoFinancial Services and Markets Act 2000, Part 4A; PRA and FCA Threshold Conditions IzindlekoIzindleko ezikhokhelwa i FCA futhi zihlukaniswe ngokulingana phakathi kwe- FCA ne- PRA. Ikhasi lezindleko le- FCA likhombisa amabhange angaphansi kohlelo lokukhokha lwesigaba 7 (GBP 28,150); izicelo ezinzima ku-A1 deposit-acceptor fee-block zidwetshwe ngaphansi kohlelo 8 (GBP 56,300). Izingqungquthela zokuqala zokubhalisa zingakhethwa. Ukudluliswa kwepasipotiAkukho ipasipoti ye-EU kusukela kuBrexit; ibhanki lase-UK lidinga isigunyazo sasekhaya ezweni ngalinye le-EEA. Izidingo ezibalulekile Uhlangabezana nezidingo ze-PRA no-FCA eziphezulu ngesikhathi sokuthola imvume kanye ngaso sonke isikhathi, kufaka phakathi ngesikhathi sokuqoqwa Uhlelo lokulawulwa kwebhizinisi, i-ICAAP kanye ne-ILAAP kubuyekezwa ngenqubo ekhethiwe yesigaba esithathu ngaphambi kokufaka isicelo (ukuqala, ubufakazi, izinhlanganiso zezinkinga zobuchwepheshe) Imali engenayo yenyanga ezingu-12 zokuqala zokusebenza okucwangcisiwe (noma yesikhathi sokuzibophezela uma kusetshenziswa ukuzibophezela), nge CRR Isiqephu 26(3) isigunyazo sezinsiza CET1 Ibhodi elifanele kanye nokulawula okuphezulu; okungenani uNgqongqoshe, uMqondisi Omkhulu kanye nomphathi wesithathu ngaphambi kokufaka isicelo Indlela yokuqoqa: igunyazwe ngemikhawulo, inani eliphelele lemali ekhokhwayo lilinganiselwa ku-GBP 50,000, okungenani 12 izinyanga; phuma ngoshintsho lwesigunyazi esisetshenziswa kuze kube yi 3 amasonto ngaphambi kokuba ama 12 amasonto aphele 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 Inhlangano yemali-elektroniki
Inhlangano egunyaziwe yemali-elektroniki Isikhathi FCA kumele acacise isicelo esiphelele ngaphakathi kwezinyanga ze-3 kanye nanoma yisiphi isicelo ngaphakathi kwezinyanga ze-12 zokuthola (EMRs 2011 reg. 9) Um kapitali wokuqala okungenani we-EUR 350,000 (ama-EMI amancane: i-2% yesilinganiso semali ye-e ekhona uma ifinyelela ku-EUR 500,000)
UmthethoElectronic Money Regulations 2011 (SI 2011/99), Schedule 2 IzindlekoFCA inkokhelo yokufaka isicelo Isigaba 5 (GBP 5,640) se-EMI egunyazwe; Isigaba 3 (GBP 1,130) se-EMI esincane. Ukudluliswa kwepasipotiAkukho ipasipoti ye-EEA kusukela ngeBrexit. Izidingo ezibalulekile Imali yokuqala kanye nezimali eziqhubekayo zomuntu ngamunye ngaphansi kweShedu 2 Ukuvikelwa kwezinkokhelo ezifunyenwe ngemali ye-e Ukulawula nokuphatha ngokufanele AML/Izinhlelo ze-CTF ngaphansi kweMigomo Yokuhlanza Imali ka-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 Umhlinzeki wezinsizakalo zokukhokha (PSP)
Inhlangano egunyaziwe yokukhokha Isikhathi FCA kumele acacise isicelo esiphelele ngaphakathi kwezinyanga ze-3 kanye nanoma yisiphi isicelo ngaphakathi kwezinyanga ze-12 zokuthola (PSRs 2017 reg. 9) I-EUR 125,000 yezinsizakalo zokukhokha (a) kuya ku-(e) zeSixhumanisi 1; i-EUR 50,000 yokuqashwa kwezimali kuphela; i-EUR 20,000 yokuthumela imali kuphela; akukho ulwazi lwe-akhawunti kuphela
UmthethoPayment Services Regulations 2017 (SI 2017/752), Schedule 3 IzindlekoFCA izindleko zokufaka isicelo zeKategori 4 (GBP 2,820) noma iKategori 5 (GBP 5,640) ye-PI egunyazwe ngokuya ngezinsizakalo; IKategori 3 (GBP 1,130) ye-PI encane. Ukudluliswa kwepasipotiAkukho ipasipoti ye-EEA kusukela ngeBrexit. Izidingo ezibalulekile Imali yokuqala kanye nezimali zomuntu siqu ngaphansi kwendlela A, B noma C njengoba kuqondiswe yi FCA Ukuvikelwa kwezinkokhelo ezifanele Ukulawula okulungile nokunethezeka AML/Izinhlelo ze-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 Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ukubhaliswa kwebhizinisi le-cryptoasset (Imibandela yokubulala izimali) Imali encane Akukho kushicilelwe Isikhathi FCA inenyanga ezingu-3 zokucabanga uma ithola yonke imininingwane edingekayo Igunya FCA (AML/umphathi weCTF wezimakethe ze-cryptoasset kusukela ngoJanuwari 10, 2020) UmthethoMoney Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 IzindlekoFCA isigaba 6 (i-GBP 11,260), engabuyiselwa emuva; amaholo eminyaka aqhubekayo asebenza. Ukudluliswa kwepasipotiAkunalutho. Ukubhaliswa akunikezi ukuvikelwa kwe-FOS noma i-FSCS kumakhasimende. Izidingo ezibalulekile Ubhalise ngaphambi kokuqala izinsizakalo ze-cryptoasset ezisebenza e-UK AML/Iphrojekthi ye-CTF kanye nokusebenza kahle kwamamenenja aphezulu Ushintsho kulawulo ludinga FCA ukugunyazwa kuqala I-REP-CRIM yeminyaka yonke 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 Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)
Ukugunyazwa kwe-FSMA ngezinqumo zokusebenza kwezimpahla ze-crypto (uhlelo olusha) Imali encane Akukho kushicilelwe Isikhathi Akukho kushicilelwe UmthethoFinancial Services and Markets Act 2000 (Cryptoassets) Regulations 2026, passed by Parliament on 4 February 2026 Ukudluliswa kwepasipotiAkukho. Izidingo ezibalulekile Inqubo isebenza ngokuphelele kusukela ngo-Okthoba 25, 2027; ifaka ukukhishwa kwe-stablecoin, amapulatifomu wokuhweba, ukuhweba, ukuhlela, ukuvikelwa, ukutshala imali, ukudlulisa kanye nokukhokha Ubhaliso olukhona lwe-MLR aluguqulwa ngokuzenzakalela; amabhange kufanele afune isitifiketi se-FSMA Ifasitela lokufaka isicelo sezinkampani ezithembela ekuhlinzekweni kwezinkokhelo: 30 Septhemba 2026 kuya ku-28 Februwari 2027 Imithetho yokuphepha encwadini entsha ye-COREPRU ne-CRYPTOPRU sourcebooks (FCA imithetho ephelile izoshicilelwa ngoJuni 30, 2026) Sources(2) FCA: Cryptoassets · checked 2026-10-07 FCA: Overview of our cryptoasset regime policy statements · checked 2026-10-07 Inkampani yokutshala imali
Inkampani yokutshala imali ye-MiFID (Ingxenye 4A igunya) Isikhathi Izinsuku zokuphelelwa yisikhathi zeFSMA Part 4A: 6 amasonto kusuka kusicelo esiphelele, 12 amasonto kusukela kusicelo esingaphelelanga (njengoba kuchazwe ngezinhlelo zebhange yi-Bank of England) Izidingo eziphansi eziqhubekayo kusuka ku-GBP 75,000 (isibonelo, ukufinyelela nokudlulisa izicelo, akukho imali yomxhasi) kuya ku-GBP 150,000 (ukubamba imali yomxhasi noma izimpahla, ukulawula i-MTF) kanye ne-GBP 750,000 (ukuhweba nge-akhawunti yakho, ukubhaliswa)
UmthethoFinancial Services and Markets Act 2000, Part 4A; FCA Handbook MIFIDPRU 4.4 IzindlekoFCA izindleko zokufaka isicelo zixhomekeke ezivumeni; amanye ama-MiFID investment managers kanye nama-CFD firms angaphansi kwesigaba 6 (GBP 11,260). Ukudluliswa kwepasipotiAkukho ipasipoti ye-EEA kusukela ngeBrexit. Izidingo ezibalulekile Imali yomuntu siqu ephansi kunazo zonke ezidingayo, izindleko eziqinile ezidingekayo kanye nesidingo se-K-factor Abantu abafanele futhi abagunyaziwe ngokuvumelana noMphathisi Ophezulu kanye neSitifiketi Imithetho yemali nempahla yomsebenzisi lapho isetshenziswa khona 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 Ama-Supervisors
Ubani olawula Inhlangano Yokulawulwa Kwezokuphepha (Ibhange Lase-England) (PRA) · iwebhusayithi amabhange I-Financial Conduct Authority (FCA) · iwebhusayithi amabhange, izinhlangano zemali yedijithali, abahlinzeki bezinsizakalo zokukhokha, izinkampani zokutshala imali, abahlinzeki bezinkonzo zezimali ezibonakalayo (VASPs) I-UK minimum initial capital for a new bank was not confirmed from an opened official source, so it is left null; the PRA assesses capital adequacy for the first 12 months of operation case by case. The FCA timeline shown for investment firms reflects the statutory FSMA Part 4A deadlines described by the Bank of England for bank applications. Under the new cryptoasset regime, companies must apply in the savings window (30 September 2026 to 28 February 2027) to keep operating while their application is assessed; the Government consulted in April 2026 on a draft SI that may move some UK-issued stablecoin activity into a future payments regime. Online gambling (UK Gambling Commission) was not covered in this pass.