Izinhlobo zelayisense
Abahlinzeki bezinsizakalo zokukhokha
Izinhlangano zokukhokha kanye nebhizinisi lezinsizakalo zemali: ukudluliswa, ukuthunyelwa kwemali, ukuthola nokuqashwa kwezimali. Zifaka phakathi izikweletu kodwa azikwazi ukuhlinzeka ngekhadi lesikweletu noma izibopho. Kuqhathaniswa phakathi kwezimo ezingu-51. Amafayela akhombisa amaphesenti aphansi omthetho kusuka kunoma yimuphi umphathi; izidingo zangempela zomnotho zivame ukuba phezulu.
| Umthethosivivinywa | Ilayisense | Imali encane | Isikhathi | Ingozi |
|---|---|---|---|---|
| Austria Europe (EU) | Ilayisense lenhlangano ekhokhela imali FMA | EUR 125,000 | I-FMA ithatha isigqibo ngaphakathi kwezinyanga ezintathu zokuthola isicelo noma yonke imininingwane edingekayo (ZaDiG 2018 s. 9(4) | Iphutha |
| Belgium Europe (EU) | Ilayisense njengenhlangano yezimali NBB | EUR 125,000 | NBB ikhetha ngaphakathi 3 kwezinyanga zokuqinisekiswa ukuthi ifayela liqediwe futhi kungapheli 12 izinyanga ngemuva kokuthunyelwe | Iphutha |
| I-Cyprus Europe (EU) | Ukugunyazwa njengohlelo lokukhokha CBC | EUR 125,000 | Amasonto amathathu kusukela kuqedwe isicelo (PSD2 isiqendu 12) | Iphutha |
| Estonia Europe (EU) | Ilayisense yokusebenza yenhlangano yokukhokha Finantsinspektsioon | EUR 125,000 | Usinqumo ngaphakathi kwezinyanga ezingu-3 kunoma iyiphi idatha nedokhumenti, futhi kungaphelelwa yizinsuku eziyi-6 ngemuva kokufaka isicelo. | Iphutha |
| France Europe (EU) | Inhlangano yokhokha I-ACPR | EUR 125,000 | Inyanga engu-3 kusukela kuhele oluphelele (ACPR) | Iphutha |
| Germany Europe (EU) | Ilayisense lokuhlinzeka ngezinsizakalo zokukhokha (Zahlungsinstitut) BaFin | EUR 125,000 | I-BaFin itshela umfakisicelo ngaphakathi 3 kwezinyanga zokufaka isicelo esigcwele (ZAG § 10(3) | Iphutha |
| Ireland Europe (EU) | Igunya lenhlangano yezimali Ibhange Eliphakathi lase-Ireland | EUR 125,000 | Isilinganiso senkonzo: isikhashana sokuhlolwa ngaphakathi 90 kwezinsuku zomsebenzi (ihora lihlala lilinde umfakisicelo); PSD2 isithombe 12 imisa 3 amasonto kusuka kwisisebenziso esiphelele | Iphutha |
| Italy Europe (EU) | Igunya lenhlangano ekhokhela imali Banca d'Italia | EUR 125,000 | PSD2 Art. 12: isigqibo ngaphakathi 3 kwezinyanga zesicelo esiphelele | Iphutha |
| Lithuania Europe (EU) | Ilayisense yenhlangano yokhokha Ibhodi le-Bank of Lithuania | EUR 125,000 | Inyanga engu-3 ngemuva kokufaka isicelo esigcwele; inyanga engu-2 uma kukhulunywa ngelayisense lemisebenzi evunyelwe kuphela (iqhubekela phambili ngamasonto angu-2 uma kufakwa ulwazi oluningi) | Iphutha |
| i-Luxembourg i-Europe (EU) | Ukugunyazwa kwenhlangano yezimali (PI) CSSF | EUR 125,000 | Usinqumo ngaphakathi kwezinyanga ezingu-3 ngemuva kokufaka isicelo esigcwele futhi nganoma iyiphi indlela ngaphakathi kwezinyanga eziyi-12, uma kungenjalo kubhekwa ukuthi kuvunyelwe (isiqephu 7) | Iphutha |
| i-Malta i-Europe (EU) | Ilayisense lenhlangano yezezimali yokuhlinzeka ngezinsizakalo zokukhokha (inhlangano yokukhokha) MFSA | EUR 125,000 | MFSA kumele ikhethe ngaphakathi kwezinyanga ezintathu zokuthola isicelo esiphelele (FIR/01 amaphara 43 kuya ku-44; PSD2 isiqephu 12) | Iphutha |
| Netherlands Europe (EU) | Ilayisense lenhlangano yokhokha DNB | EUR 125,000 | PSD2 Art. 12: isigqibo ngaphakathi 3 kwezinyanga zesicelo esiphelele | Iphutha |
| Poland Europe (EU) | Ukugunyazwa njengenhlangano yezimali zasekhaya (krajowa instytucja płatnicza, KIP); ukubhaliswa njengenhlangano yezimali ezincane (mała instytucja płatnicza, MIP) KNF | EUR 125,000 | KNF decides within 3 months of receiving a complete application (art. 62(2)) | Iphutha |
| i-Portugal i-Europe (EU) | Igunya lenhlangano ekhokhela imali Banco de Portugal | EUR 125,000 | PSD2 Art. 12: isigqibo ngaphakathi 3 kwezinyanga zesicelo esiphelele | Iphutha |
| Spain Europe (EU) | Igunya lenhlangano yezimali (entidad de pago) Banco de España | EUR 125,000 | Usinqumo ngaphakathi kwezinyanga ezingu-3 zokuthola noma ukuqedwa kwefayela; ukuthula kusho ukungavumelani (RDL 19/2018 isigaba 11(2)) | Iphutha |
| Gibraltar Europe (non-EU) | Inhlangano yezimali (Ingxenye 7 imvume) GFSC | EUR 125,000 | Akushicilelwe | Iphutha |
| Isle of Man Europe (non-EU) | Ikilasi 8(2) ilayisense yezinsizakalo zokudlulisa imali (izinsizakalo zokukhokha) IOMFSA | Not published | IOMFSA service standard of 6 months from a complete application; longer if incomplete or issues arise | Iphutha |
| Jersey Europe (non-EU) | Ubhaliso lokuphatha ibhizinisi lezinsizakalo zemali JFSC | Not published | Akushicilelwe | Iphutha |
| Liechtenstein Europe (non-EU) | Ilayisense lenhlangano yokhokha i-Liechtenstein | CHF 125,000 | Usinqumo ngaphakathi kwezinyanga ezintathu zokuthola isicelo noma ulwazi oluphelele; inyanga eyisithupha | Iphutha |
| United Kingdom Europe (non-EU) | Inhlangano egunyaziwe yokukhokha FCA | EUR 125,000 | FCA kumele acacise isicelo esiphelele ngaphakathi kwezinyanga ze-3 kanye nanoma yisiphi isicelo ngaphakathi kwezinyanga ze-12 zokuthola (PSRs 2017 reg. 9) | Iphutha |
| i-Bahrain i-Middle East | Ilayisense lohlinzeki wezinsizakalo ezihambisanayo: umhlinzeki wezinsizakalo zokukhokha, ukucubungula amakhadi, i-AISP ne-PISP Ibhange Eliphakathi laseBahrain | BHD 250,000 | Akushicilelwe | Iphutha |
| i-Qatar (QFC) i-Middle East | Ilayisense yomhlinzeki wezinsizakalo zokukhokha ze-QCB, iKategori II (ezinye izinsizakalo zokukhokha, akukho imali yomsebenzisi egcinwe) Ibhange Eliphakathi laseQatar | QAR 2,000,000 | Umphathi uthatha isinqumo ngaphakathi kwezinsuku ezingu-60 ngemuva kokuthi zonke izimo zokuthola ilayisense zitholwe | Iphutha |
| United Arab Emirates (onshore) Middle East | Ilayisense yezinsizakalo zokukhokha ezincane (Isigaba I, II, III noma IV) Ibhange Eliphakathi lase-UAE | AED 100,000 | Akushicilelwe | Iphutha |
| United Arab Emirates: Abu Dhabi Global Market (ADGM) Mid East | Izivumelwano zokuhlinzeka ngezinsizakalo zezimali (izinsizakalo zokukhokha, inani eligcinwe, ukuthunyelwa kwemali, ukuguqulwa kwemali) FSRA | Category 3C: capital requirement is the higher of the PRU 3.3 Base Capital Requirement and an activity-based measure: expenditure-based minimum for currency exchange, EBCM plus Variable Capital Requirement for remitters, VCR under PRU 3.6A.4 for payment services or 3.6A.6 for stored value providers | Akushicilelwe | Iphutha |
| United Arab Emirates: Dubai International Financial Centre (DIFC) Middle East | Ukuhlinzeka ngezinsizakalo zemali (ama-akhawunti wokukhokha, ukudluliselwa kwemali, amathuluzi okukhokha: Isigaba 3D; Ukudluliswa kwemali kuphela: Isigaba 4) DFSA | USD 200,000 | Akushicilelwe | Iphutha |
| i-Australia i-Pacific | Ilayisense yezinsizakalo zezimali zase-Australia zokukhokha okungaba ngemali ASIC | Not published | Akushicilelwe | Iphutha |
| i-Hong Kong i-Pacific | Ilayisense yomsebenzi wenkonzo yemali (MSO): ukushintshana kwezimali nokudluliselwa kwemali Ikomishinala yezoMthethosivivinywa neNtela | Not published | Akushicilelwe | Iphutha |
| Japan Asia-Pacific | Ukubhaliswa kohlinzeki wezinsizakalo zokudlulisa imali (uhlobo I, II, III) FSA (nge-Finance Bureau yasendaweni) | Not published | Akushicilelwe | Iphutha |
| i-New Zealand i-Pacific | Ukubhaliswa komthengisi wezinsizakalo zezimali (izinsizakalo zokukhokha, ukudluliswa kwemali, ukukhishwa kwezinsizakusebenza zokukhokha, ukushintshaniswa kwamanye amazwe) I-Registrar of Financial Service Providers (Companies Office) | Not published | Akushicilelwe | Iphutha |
| i-Philippines i-Pacific | Ukubhaliswa kwe-Operator of payment system (OPS) BSP | Not published | Akushicilelwe | Iphutha |
| i-Singapore i-Pacific | Ilayisense lenhlangano enkulu yokukhokha (MPI) MAS | SGD 250,000 | Akushicilelwe | Iphutha |
| i-Singapore i-Pacific | Ilayisense elijwayelekile lenhlangano yezimali (SPI) MAS | SGD 100,000 | Akushicilelwe | Iphutha |
| i-Singapore i-Pacific | Ilayisense lokushintsha imali MAS | Not published | Akushicilelwe | Iphutha |
| South Korea Asia-Pacific | Ukubhaliswa kwe-Electronic payment gateway (PG) FSC | KRW 300,000,000 | Akushicilelwe | Iphutha |
| i-Antigua ne Barbuda i-Amerika ne-Caribbean | Ilayisense yebhizinisi lezinsizakalo zemali IKomidi Lokulawulwa Kwezinsizakalo Zezimali | Not published | Akushicilelwe | Iphutha |
| i-Argentina i-Amerika ne-Caribbean | Ukubhaliswa komthengisi wezinsizakalo zokukhokha, kufaka phakathi abahlinzeki be-PSP (PSPCP) I-Banco Central de la República Argentina (i-Superintendencia de Entidades Financieras y Cambiarias) | Not published | Akushicilelwe | Iphutha |
| i-Bahamas i-Amerika ne-Caribbean | Ilayisense yomhlinzeki wezinsizakalo zokukhokha (amathuluzi okukhokhisa nge-elekthronikhi kanye nemali ye-elekthronikhi) Ibhange Eliphakathi lase-Bahamas | BSD 100,000 | Akushicilelwe | Iphutha |
| i-Barbados i-Amerika ne-Caribbean | Ibhange Eliphakathi laseBarbados | BBD 50,000 | Akushicilelwe | Iphutha |
| i-Barbados i-Amerika ne-Caribbean | Ilayisense yomhlinzeki wenkonzo yokudlulisa imali noma ixabiso (MVTS) Umphathiswa Wezezimali ngosizo lwe-Central Bank of Barbados | Not published | Akushicilelwe | Iphutha |
| i-Bermuda i-Amerika ne-Caribbean | Ilayisense yebhizinisi lezinsizakalo zemali IBermuda Monetary Authority | Not published | Akushicilelwe | Iphutha |
| i-Bolivia i-Amerika ne-Caribbean | Umphathi wekhadi le-elektroniki I-Financial Supervision Authority | Paid-in capital in bolivianos equal to UFV 2,500,000 (art. 358). | Akushicilelwe | Ingozi ephezulu |
| Brazil Americas & Caribbean | Inhlangano yokhokha: umhlinzeki wethuluzi lokukhokhelwa ngemuva kokukhokhwa, umhlinzeki noma umqashi womsebenzi wokukhokha i-Central Bank of Brazil | BRL 9,200,000 | Akushicilelwe | Iphutha |
| i-British Virgin Islands i-Amerika ne-Caribbean | Ilayisense lezinsizakalo zezimali nezimali, i-Class A (ukudluliswa kwemali) kanye ne-Class B (imiyalelo yemali, ukukhokha amacheki, ukuguqulwa kwemali) IKomidi Lezinsizakalo Zezimali | USD 10,000 | Akushicilelwe | Ingozi ephezulu |
| Canada Americas & Caribbean | Ukubhaliswa komthengisi wezinsizakalo zokukhokha Ibhange laseCanada (umbiko wokuphepha kwezwe kaNgqongqoshe Wezezimali) | Not published | Akushicilelwe | Iphutha |
| i-Cayman Islands i-Amerika ne-Caribbean | Ilayisense yezinsizakalo zemali I-Cayman Islands Monetary Authority | KYD 30,000 | Akushicilelwe | Iphutha |
| Chile Ama-America namaCaribbean | Umhlinzeki wekhadi lokukhokha noma othola imali I-Comisión para el Mercado Financiero (ubhaliso); i-Banco Central de Chile (izimiso) | CLF 10,000 | Akushicilelwe | Iphutha |
| i-Curacao i-Amerika ne-Caribbean | Ilayisense lenkampani yokudlulisa imali (geldtransactiekantoor) i-Curacao | Not published | I-CBCS ithatha isigqibo ngaphakathi kwezinsuku ezingu-60 zokuthola isicelo esigcwele kanye nemali yokufaka isicelo (isiqephu 5(2)) | Iphutha |
| i-Dominica i-Amerika ne-Caribbean | Ilayisense yebhizinisi lezinsizakalo zemali (Izinhlobo A kuya ku-E) Iyunithi yezinsizakalo zezimali | Not published | Akushicilelwe | Iphutha |
| i-Mauritius i-Afrika | Ilayisense yoMhlinzeki Wezinsizakalo Zokukhokha Ibhange laseMauritius | Not published | Akushicilelwe | Iphutha |
| Seychelles Afrika | Ilayisense lohlinzeki wezinsizakalo zokukhokha (kufaka phakathi imali ye-elekthronikhi) Ibhange Eliphakathi laseSeychelles | Not published | Akushicilelwe | Iphutha |
| i-Afrika yaseMpumalanga i-Afrika | Ukubhaliswa komthengisi wesithathu wezimali (TPPP) kanye nohlelo lokusebenza I-South African Reserve Bank (imisebenzi yokubhalisa idluliselwe kusuka ku-PASA kuya ku-SARB ngomhla ka-2 Septemba 2026) | Not published | Akushicilelwe | Iphutha |
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