EMI Compliance Services in Austria
Issuing e-money means holding other people’s money, and regulators never forget it. In Austria, the FMA supervises payment and e-money institutions with detailed safeguarding expectations. ABM Global Compliance supports e-money institutions in Austria with EMD2 authorisation, safeguarding arrangements, prudential compliance, and AML frameworks, keeping your business aligned with the expectations that supervision here actually applies.
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Trust Is the Product You Issue
EMD2 sets EUR 350,000 initial capital and own funds scaling with outstanding e-money, while safeguarding rules demand segregation, daily reconciliation, and identifiable customer funds. In Austria, that framework lands on a market with its own character: the FMA supervises payment and e-money institutions with detailed safeguarding expectations, and Austria’s CEE payment corridors add sanctions and AML complexity.
Supervisors treat safeguarding weaknesses as the most serious finding an EMI can receive, and agent networks multiply the surfaces they examine. In a market shaped by a tradition of conservative, detail-focused supervision with strong CEE reach, the FMA has little patience for arrangements imported unchanged from elsewhere. PSD3 will fold e-money into a tighter framework, rewarding early preparation. Our consultants build compliance for Austria specifically.
How We Support Clients in Austria
Our services in Austria cover the full obligation stack: EMD2 authorisation and extensions, safeguarding methodology and reviews, own funds compliance, agent oversight, AML/CFT frameworks, and wind-down planning. Every engagement and including engagement with the FMA. Everything is documented to the standard supervision here expects.
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Crypto & Blockchain Compliance
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Banking Compliance Advisory
Regulatory reporting, governance, and financial crime compliance frameworks for Austrian banks and credit institutions.
Capital Markets Compliance
MiFID II compliance, market abuse controls, and licensing support for Austrian investment firms.
E-Money Compliance
EMI and payment institution licensing with the FMA, safeguarding arrangements, and ongoing compliance support.
Unsure Where to Start?
Book a consultation and our specialists will map the right compliance path forward.
Why E-Money Institutions in Austria Choose ABM
Safeguarding Depth
Methodologies, reconciliations, and reviews built to the standard supervisors now demand every time.
EMI Expertise
EMD2, PSD2, and EBA requirements handled by genuine e-money specialists every time.
Growth Support
Compliance frameworks that scale with balances, products, and passported markets every time.
Ready to Strengthen Your Compliance?
Trusted and Loved by Our Clients Across the Europe
Businesses in Austria and across Europe trust ABM to guide their licensing, strengthen their frameworks, and keep their compliance on track. Here is what founders, compliance officers, and executives say about working with our team.
Years Of Expertise
Speak to a Austrian Compliance Specialist
Tell us about your business and regulatory needs. One of our compliance specialists will respond within one working day with clear, practical next steps.
- Unit 6, Trinity Court, Fonthill Business Park, Clondalkin, Dublin 22, D22 YE30, Ireland
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A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
EMI Compliance Questions Answered
What capital does an EMI need?
EUR 350,000 initial capital under EMD2, plus ongoing own funds of at least two percent of average outstanding electronic money, whichever is higher.
How does EMI safeguarding actually work?
Customer funds are segregated in designated safeguarding accounts or insurance-protected, reconciled daily, and kept identifiable so they return to customers in insolvency, including FM-GwG duties.
What is the difference between EMIs and PIs?
EMIs can issue stored-value electronic money and provide payment services, while payment institutions execute payments without issuing balances customers hold every time.
Can EMIs distribute through agents?
Yes, subject to registration, due diligence, and ongoing oversight your obligations, because regulators hold the EMI fully responsible for its distribution network.
How will PSD3 affect e-money institutions?
PSD3 merges e-money into the payments framework with tighter safeguarding and fraud rules, plus re-authorisation within transitional windows, rewarding early preparation every time.