Lithuanian Electronic Money Institution (EMI) License for Sale
- Location: Lithuania
- Published date: 10.02.2026
- Description: Ready with bank account, good standing, full compliant EMI license
- Pricing: EUR 3,500,000 (excluding NAV) — negotiable
1. Year of License: 2017
2. Validity: Indefinite (subject to ongoing compliance)
3. Business: One–stop online payment service provider, supporting integration of both international credit cards and local payment methods
4. Bank Account Status: Ready with bank accounts
5. Director(s): 2
6. Shareholder: 1
7. SWIFT Membership: Yes
8. SEPA Access: Active
9. PCI DSS Compliance: Yes
10. Legal Disputes/Litigations Record: N/A
11. Net Asset Value (NAV): Approx EUR 500,000
12. Annual Operational Cost: Approx EUR 400,000
EUR 3,500,000 (excluding NAV) — negotiable.
The Lithuanian EMI license is a regulated financial licence issued by the Bank of Lithuania, authorising entities to issue electronic money and provide a wide range of payment services across Europe. Operating under the European Union (EU)’s Payment Services Directive (PSD2) and the Electronic Money Directive 2 (EMD2) regulatory framework, a Lithuanian EMI licence allows businesses to offer compliant payment solutions while benefiting from EU passporting rights, enabling cross-border services throughout the European Economic Area (EEA).
- Issuance and redemption of electronic money
- Operation of payment accounts, including all related account services
- Execution of payment transactions, including:
- credit transfers (including standing orders)
- direct debits (including one-off direct debits)
- card-based and similar payment transactions
- Issuing of payment instruments and/or acquiring of payment transactions
- Money remittance services
- Placement of funds into payment accounts
- Withdrawal of funds from payment accounts
- EU Market Access: A Lithuanian EMI can provide services across the EU/EEA via passporting, enabling cross-border operations without the need to obtain separate local licences (subject to regulatory notification).
- Regulatory Environment: Lithuanian EMIs are supervised by the Bank of Lithuania, which is recognised for its clear regulatory guidance, predictable supervisory approach, and openness to fintech and cross-border business models.
- Broad Range of Permitted Services: A Lithuanian EMI is permitted to offer a wide variety of payment services, including electronic money issuance, payment accounts, fund transfers, money remittance, and payment acquiring, supporting multiple payment-focused business models under a single license.
- Strong Payment Infrastructure Access: Lithuania EMIs typically benefit from access to key European and international payment infrastructures, including SEPA and SWIFT, facilitating both European and global payment flows.
- Flexible Ownership Structure: There are no residency or nationality requirements for shareholders, allowing international ownership structures, subject to regulatory fit and proper assessments.
- License Validity & Continuity: Once granted, a Lithuanian EMI licence does not expire on a fixed date and does not require periodic renewal, provided ongoing regulatory and reporting obligations are met.
- Lithuanian Office Address: A local registered office address is required for regulatory supervision and official correspondence.
- Minimum Capital Requirement: A full (unrestricted) EMI license requires a minimum initial capital of 350,000 EURO, which must be maintained on an ongoing basis.
- Shareholders & Ownership: No residency requirement for shareholders; however they must be financially sound and capable of ensuring the prudent and stable management of the EMI, in line with regulatory expectations.
- Management & Key Personnel: Appoint directors and senior management who meet the Bank of Lithuania’s fit and proper requirements, including appropriate experience, qualifications, and good repute. Compliance and AML functions must be adequately staffed and overseen.
- Corporate Bank Accounts & Safeguarding: Implement regulator-approved safeguarding arrangements, typically involving segregated safeguarding accounts, to ensure proper protection of client funds.
- AML/KYC Compliance: Implement and maintain robust AML and KYC policies that align with Lithuanian and EU regulations.
- Business Plan: Submit a detailed business plan outlining your EMI’s services and activities in Lithuania.
- Ongoing Compliance & Reporting: Licensed EMIs are subject to ongoing supervision by the Bank of Lithuania, including periodic regulatory reporting, audits and compliance reviews to maintain the licence in good standing.
Step 1: Data Collection
Step 2: Submit Deposit
Step 3: Receive Company Documents for Due Diligence
Step 4: Submit Remaining Payment
Step 5: Changing of Company Name
Step 6: Changing of Directors & UBO
1. Documentation Collection & Processing
We gather, review, and organize all necessary paperwork, ensuring a smooth and compliant share transfer of the licensed EMI.
2. Local Representation & Personnel Provision
Where required, we assist to source or appoint resident directors and qualified responsible managers, ensuring you meet the expectations of the Bank of Lithuania.
3. Bank Account Assistance
If you need, we support you in opening and maintaining the corporate bank account mandated for Lithuanian EMIs.
4. Ongoing Maintenance
We provide post-licensing support – monitoring regulatory updates, handling annual filings to keep your EMI in good standing.
Contact us for more details!
Previous
Next
