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Topic Fintechs Authorisation and ongoing supervision
Anyone wishing to provide certain banking and financial services in Germany requires authorisation from BaFin. The type of authorisation required depends on the planned business model and the legal and actual design of the planned products and services.
The question of whether a business model requires authorisation, which type of authorisation is required and what scope the authorisation must have is determined on a case-by-case basis. Non-binding information and guidance on market entry can be found on the BaFin website.
Overview of business models
On the fintech business models page, you can find an overview of the most frequent business models, alongside supervisory classifications and assessments as to whether a specific business model might be subject to a supervision requirement.
Contact form
We have created a fintech contact form for individual enquiries. This serves as a digital first point of contact with BaFin experts. Enquiries regarding authorisation requirements may be forwarded to the competent regional offices of the Deutsche Bundesbank.
Information
We also recommend that you consult our guidance notices (under “Additional information” on the Fintech Innovation Hub) landing page and our FAQs, which may already provide an answer to your enquiry.
