The Swiss Banking Licence: What It Really Takes, and When You Do Not Need One
What a Swiss banking licence requires, the small-bank regime, the fintech licence, and why most people asking for a bank do not need one.
Category: Insight
Insurance in Switzerland: The Insurer’s Licence and the Intermediary Register
Insurers need a FINMA licence; independent insurance brokers must register. What each regime requires and what changed with the latest reform.
How Swiss Financial Regulation Works: FINMA, Supervisory Organisations and SROs
Who supervises what in Swiss finance: FINMA, the supervisory organisations and the SROs. The map you need before choosing a licence.
SRO or Licence: Which Do You Need?
An SRO membership and a FINMA licence are not the same thing. What each one covers, who needs which, and the mistake many founders…
Buying a Bank or an EMI: How the Regulator’s Approval Really Works
Buying a regulated company is not like buying any other company. You can agree the price, sign the contract and transfer the money into…
Deposit or E-Money? What Happens to Your Money If Your Fintech Fails
Two people open the same app, see the same logo, the same balance, the same card. One has a bank deposit. The other holds…
Bank, EMI or Payment Institution: Which Licence Does Your Fintech Actually Need?
Founders usually ask us “which country?” first. It is the wrong first question. The right one is: what will you do with your clients’…
Revolut Wants to Be Everywhere. Should Your Fintech?
This week, an email from Revolut Business landed in our inbox: “Hire abroad in days, we’ll handle compliance.” Revolut now offers to employ your…
White Label Online Casino: What It Really Costs in 2026
“How much does a white label casino cost?” is the first question every future operator asks, and the answers online are either sales brochures…
EMI Licence in Europe 2026: Lithuania, Latvia, Ireland, France, Liechtenstein, or Buy One?
An electronic money institution (EMI) licence lets you issue e-money, hold client funds, open IBAN accounts, run payments and, with a card scheme membership,…
