National Supervisory Authority & Licensing Qualification Dossier • Asia-Pacific
European Central Bank
Global JurisdictionSource / Native Reference: 欧洲中央银行
- Supervisory tier
- Tier-2
- License classes
- 2
- Licensed records
- 35
- Active / regulated
- 35
Statutory Supervisory Mandate & Scope
European Central Bank (European Central Bank) exercises statutory authority over commercial banks, deposit-taking institutions, foreign exchange dealers, and payment service providers in Global Jurisdiction.
Prudential Tier Assessment
Tier-2Tier-2 sovereign central bank and macroprudential banking supervisor for Global Jurisdiction, enforcing Basel III capital adequacy and national payment system integrity.
National licensing qualifications & statutory authorisation classes (European Central Bank)
Authorisation categories, permitted institutional and retail activities, minimum initial capital adequacy, and ongoing prudential solvency rules enforced by European Central Bank in Global Jurisdiction.
| License class / code | Official designation | Permitted institutional & retail activities | Minimum initial / base capital | Ongoing prudential & solvency rule |
|---|---|---|---|---|
| Class A / Commercial Banking Charter | Full Commercial & Institutional Banking Licence | Deposit-taking, commercial lending, interbank FX market-making, trade finance, and institutional custody. | USD $5,000,000 – $15,000,000 equivalent statutory paid-up banking capital | Minimum Basel III Total Capital Ratio ≥ 10.5%–12.5%, CET1 ≥ 7.0%, LCR ≥ 100%, and NSFR ≥ 100%. |
| EMI / Payment & FX Institution Licence | Authorised Payment Institution / Electronic Money & FX Remittance Licence | Cross-border remittance, electronic money issuance, merchant payment acquiring, and deliverable spot FX conversion. | USD $150,000 – $500,000 equivalent paid-up capital plus statutory central bank security deposit. | 100% daily safeguarding of customer float in segregated commercial bank trust accounts. |
Investor compensation, client money segregation & digital-asset regime
Statutory counterparty protections, custody reconciliation mandates, and virtual-asset licensing status under European Central Bank.
Statutory Deposit Insurance & Bank Resolution Scheme (Global Jurisdiction)
- Maximum coverage per client
- Protected up to statutory national deposit insurance ceiling per banking depositor
- Eligible counterparties & scope
- Retail depositors and eligible corporate deposit accounts held at licensed credit institutions.
European Central Bank Prudential Safeguarding & Custody Directives
- Reconciliation & audit cadence
- Daily reserve and Nostro/Vostro liquidity reconciliation; 100% ring-fencing of payment institution safeguarding accounts.
- Approved custodian requirements
- Central bank reserve accounts or ring-fenced statutory trust accounts at Tier-1 correspondent banks.
European Central Bank Prudential Cryptoasset Exposure (BCBS SCO60) & CBDC / Stablecoin Oversight
- Travel Rule, custody & stablecoin rules
- Full FATF Recommendation 16 Wire Transfer & Virtual Asset Travel Rule compliance across supervised banking rails.
Primary Governing Statutes & Rulebooks
- Central Bank & Banking Supervision Act of Global Jurisdiction
- Basel III Capital Adequacy (CET1 / Tier 1 / Total Capital) & Liquidity (LCR / NSFR) Prudential Standards
- National Payment Systems & Foreign Exchange Control Regulations (Global Jurisdiction)
- FATF-Aligned Anti-Money Laundering & Counter-Terrorist Financing (AML/CFT) Banking Directives
Regulatory Reporting & Audit Obligations
Monthly/Quarterly Basel III COREP/FINREP prudential capital and liquidity returns to European Central BankAnnual IFRS statutory financial audit by an approved central-bank-panel external audit firmReal-time large-exposure, foreign exchange position, and suspicious transaction reporting (STR)
Cross-Border Equivalence & Passporting
Requires European Central Bank home-host supervisory college approval or local branch/representative office licensing for cross-border banking operations.
Supervised institutions & European Central Bank licence records in our database
35 licence records referencing European Central Bank (35 regulated/registered).
| Institution | Licence number | Status | Licensed legal entity | Effective date | Verification |
|---|---|---|---|---|---|
| Nordea(Global network record) | 529900ODI3047E2LIV03 | Regulated | Nordea Bank Abp | — | |
| Deutsche Bank AG(Global network record) | 7LTWFZYICNSX8D621K86 | Regulated | Deutsche Bank AG | — | |
| Garantibank(Global network record) | Not supplied | Regulated | GarantiBank International N.V. | 2014-11-04 | |
| ING BANK(Global network record) | Not supplied | Regulated | ING Groep N.V. | — | |
| LeasePlanbank(Global network record) | Not supplied | Regulated | Ayvens Bank N.V. | — | |
| Rabobank(Global network record) | Not supplied | Regulated | oöperatieve Rabobank U.A. | — | |
| SEB(Global network record) | DE05778 | Regulated | Skandinaviska Enskilda Banken AB (publ) Frankfurt Branch | — | |
| Alpha Τράπεζα Α.Ε.(Global network record) | Not supplied | Regulated | ALPHA BANK S.A. | — | |
| ASNBANK(Global network record) | Not supplied | Regulated | ASN bank | — | |
| Attica Bank(Global network record) | Not supplied | Regulated | Attica Bank, S.A. | 1925-02-05 | |
| Banco Bilbao Vizcaya Argentaria(Global network record) | Not supplied | Regulated | BBVA Instituição Financeira de Crédito, S.A | — | |
| Banco Comercial Português(Global network record) | Not supplied | Regulated | Banco Comercial Português, S.A. | — | |
| Banco Santander, S.A.(Global network record) | Not supplied | Regulated | Banco Santander, S.A. | — | |
| BNP Paribas(Global network record) | Not supplied | Regulated | BNP Paribas S.A. | — | |
| Citadele Banka(Global network record) | Not supplied | Regulated | Citadele banka | — | |
| Commerzbank(Global network record) | Not supplied | Regulated | COMMERZBANK Aktiengesellschaft | — | |
| De Volksbank(Global network record) | Not supplied | Regulated | de Volksbank N.V. | 2014-11 | |
| DSKbank(Global network record) | 121830616 | Regulated | DSK Bank AD | — | |
| DZ Bank(Global network record) | 529900HNOAA1KXQJUQ27 | Regulated | DZ BANK AG Deutsche Zentral-Genossenschaftsbank | — | |
| Hrvatska poštanska banka(Global network record) | Not supplied | Regulated | Hrvatska poštanska banka d.d. | — | |
| Karavasilis Bank SA(Global network record) | Not supplied | Regulated | Eurobank Ergasias Services and Holdings S.A. | 2014 | |
| KBC(Global network record) | Not supplied | Regulated | KBC Bank NV | — | |
| Luminor Bank AS(Global network record) | 213800JD2L89GGG7LF07 | Regulated | Luminor Bank AS | 2017 | |
| Moneyou B.V.(Global network record) | Not supplied | Regulated | ABN AMRO Bank N.V. | 2001 | |
| National Bank of Greece(Global network record) | Not supplied | Regulated | National Bank of Greece S.A | — | |
| Piraeus Bank(Global network record) | Not supplied | Regulated | Piraeus Bank S.A. | — | |
| Raiffeisen Bank International(Global network record) | Not supplied | Regulated | Raiffeisen Bank International AG | — | |
| Sberbank of Poland(Global network record) | DE05886 | Regulated | PKO Bank Polski S.A. | 2014-11-04 | |
| Siena Shepherd Bank(Global network record) | Not supplied | Regulated | Banca Monte dei Paschi di Siena S.p.A. | — | |
| UniCredit S.P.A.(Global network record) | IT02008 | Regulated | UniCredit S.p.A. | — | |
| Erste Group(Global network record) | Not supplied | Regulated | Erste Group Bank AG | 2008 | |
| Nordea Bank AB(Global network record) | 529900ODI3047E2LIV03 | Regulated | Nordea Bank Abp | 2014-11-04 | |
| SNS Bank(Global network record) | Not supplied | Regulated | de Volksbank | — | |
| Suomen Pankki(Global network record) | Not supplied | Regulated | Suomen Pankki – Finlands Bank | — | |
| Mizuho Securities(Global network record) | 724500ZSA7ZOZHUXBS53 | Regulated | Mizuho Bank Europe NV | — |
European Central Bank (Global Jurisdiction): institutional licensing & due diligence FAQ
Key statutory capital, compensation, custody segregation, and verification answers for compliance teams.
What are the primary licensing classes and minimum capital requirements under European Central Bank (Global Jurisdiction)?
European Central Bank (European Central Bank) supervises financial institutions in Global Jurisdiction under Central Bank & Banking Supervision Act of Global Jurisdiction and Basel III Capital Adequacy (CET1 / Tier 1 / Total Capital) & Liquidity (LCR / NSFR) Prudential Standards. Key statutory authorisation classes include: Class A / Commercial Banking Charter (Full Commercial & Institutional Banking Licence — min. capital: USD $5,000,000 – $15,000,000 equivalent statutory paid-up banking capital); EMI / Payment & FX Institution Licence (Authorised Payment Institution / Electronic Money & FX Remittance Licence — min. capital: USD $150,000 – $500,000 equivalent paid-up capital plus statutory central bank security deposit.). Ongoing prudential supervision requires strict adherence to capital adequacy and liquidity buffers.
Does European Central Bank provide statutory investor compensation and mandatory client asset segregation?
Under European Central Bank's framework, investor protection is governed by Statutory Deposit Insurance & Bank Resolution Scheme (Global Jurisdiction) with maximum coverage of Protected up to statutory national deposit insurance ceiling per banking depositor (Retail depositors and eligible corporate deposit accounts held at licensed credit institutions.). For client money and custody assets, supervised firms must comply with European Central Bank Prudential Safeguarding & Custody Directives, performing daily reserve and nostro/vostro liquidity reconciliation; 100% ring-fencing of payment institution safeguarding accounts. with central bank reserve accounts or ring-fenced statutory trust accounts at tier-1 correspondent banks..
How does European Central Bank regulate digital assets, crypto exchanges (VASPs/CASPs), and stablecoins?
European Central Bank's digital-asset regime is structured around European Central Bank Prudential Cryptoasset Exposure (BCBS SCO60) & CBDC / Stablecoin Oversight (Regulates bank custody, payment settlement rails, fiat-backed stablecoin reserve backing, and Basel SCO60 capital weights.). Custody and AML/CFT compliance obligations require: Full FATF Recommendation 16 Wire Transfer & Virtual Asset Travel Rule compliance across supervised banking rails.
How can I verify an institution's European Central Bank licence number and check our 35 recorded licence entries?
Our database currently tracks 35 licence records referencing European Central Bank (35 marked regulated or registered). To verify a counterparty at the primary source, open European Central Bank's official public register (https://www.bankingsupervision.europa.eu/framework/supervised-banks/html/index.en.html), search by the exact reference number and legal entity name, and confirm that the firm's domain and permitted activities match its statutory authorisation.
Related regulatory & market structure briefings
Research and compliance analysis from PayClear Ledger relevant to European Central Bank and Global Jurisdiction.
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Benchmarking working-capital velocity, FX spread leakage, and statutory safeguarding rules across licensed money services businesses and payment institutions.
Prudential Safeguarding
Payment Institution & Fiduciary Trust Safeguarding Audits: Segregated Client Accounts vs. Surety Bonds
How statutory safeguarding regimes protect remittance and payment balances in transit across ring-fenced tier-1 credit institutions.
Statutory licensing classes, base capital rules, and investor protection summaries for European Central Bank (Global Jurisdiction) are maintained for institutional benchmarking and do not constitute legal advice. Always verify current rulebooks and active firm authorisations directly on European Central Bank’s official public register.