EMI Compliance Services in Hungary
Issuing e-money means holding other people’s money, and regulators never forget it. In Hungary, the MNB supervises payments within its integrated mandate. ABM Global Compliance supports e-money institutions in Hungary 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 Hungary, that framework lands on a market with its own character: the MNB supervises payments within its integrated mandate, and its instant payment system made Hungary an early real-time market with matching monitoring expectations.
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 integrated central-bank supervision model, the MNB 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 Hungary specifically.
How We Support Clients in Hungary
Our services in Hungary 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 MNB. Everything is documented to the standard supervision here expects.
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Unsure Where to Start?
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Why E-Money Institutions in Hungary Choose ABM
Safeguarding Depth
Frameworks built for this market, where a fully integrated central-bank supervision model shapes what supervisors examine.
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.
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Businesses 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.
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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 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, including AML Act duties.
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.
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.