BaFin
German financial supervisor
BaFin licence for a fintech in Germany — which authorisation you actually need
BaFin licence in Germany: which authorisation a fintech actually needs and what BaFin will license you to do under each — ZAG…
ZAIT repealed: ICT risk for German payment and e-money institutions under DORA
ZAIT was repealed with expiry of 16 January 2025 and DORA took over: which articles a licensed German payment or e-money institution…
Transparenzregister Germany — beneficial-owner reporting deadlines and discrepancy duties under the GwG
Transparenzregister deadlines in Germany: the staggered 2021–2022 reporting dates by legal form after the switch to a full register, who counts as…
Conduct complaints and dispute resolution in Germany — BaFin, Schlichtung and the ombudsman schemes
Conduct complaints in Germany: how BaFin supervises complaints-handling, the PSD2 15-day reply clock, and which Schlichtungsstelle or ombudsman settles a customer dispute.
CASP authorisation in Germany — the BaFin MiCA licence, the KMAG and the crypto capital tiers
CASP authorisation in Germany: the BaFin MiCA licence, the KMAG transitional window closing 31 December 2025, the EUR 50,000-150,000 capital classes and…
Investment firm authorisation in Germany — BaFin, the WpIG and the three IFR/IFD classes
Investment firm authorisation in Germany: the BaFin WpIG licence, the three IFR/IFD size classes, the EUR 75,000 / 150,000 / 750,000 capital…
German supervisory reporting: Bundesbank ExtraNet, PRISMA and the return catalogue
How German regulated reporting works: the BaFin/Bundesbank split, ExtraNet registration, the PRISMA and BAM portals, COREP/FINREP plus the national FinaV set, AWV…
How to issue German IBANs
The German IBAN format (DE + 22 chars), how the Bundesbank allocates the 8-digit Bankleitzahl, the BIC mapping, why SEPA direct debit…
Payment institution licence in Germany — the ZAG file, BaFin’s three-month clock and the twelve-month long-stop
Payment institution licence in Germany under the ZAG: the seventeen items in the § 10(2) application, what BaFin will license and on…
EMI licence in Germany — the BaFin application under the ZAG
EMI licence in Germany under § 11 ZAG: the e-money authorisation also lets BaFin license payment services, credit and payment-system operation on…