Small Payment Institution(SPI) License

  

Small Payment Institutions, or SPI’s, are determined by the Payment Service Regulations, 2017, as companies that offer services such as remittance, payment processing and operating payment accounts, whose annual turnover does not exceed €3 Million Euros. 

MC Contabilidade specialises in the acquisition of SPI Licenses for companies based in the United Kingdom.

Requirements for UK SPI License Holders include:

A UK head office and registered office (although the Financial Conduct Authority is gradually opening up to remote working models)

UK-resident management with the right knowledge, training, and experience.

UK-resident MLRO

Owners, directors, and senior managers that are fit and proper

Average monthly payment service turnover of less than €3m (actual or projected)Detailed and effective controls to manage the business

The package includes: 

United Kingdom Company Formation: Including a physical office address and local secretary

Application for Small Payment Institute License

    Development of Business Plan, Anti-Money Laundering and KYC policies and procedures

    SWIFT and LEI Registration

       SPI License Application Process

      Step 1 – United Kingdom Company Formation

      Requirement: Three choices for a Company Name, names of Directors/Shareholders, Proof of Address for Directors/Shareholders, Company Legal Address

      Step 2 – Development of Business Plan, AML and KYC Policies and Procedures

      Requirements - Scope of the activity, details of AML, CFT and KYC Officer experience

      Step 3 – Application Submission

      Time frame - SPI Applications can take between 3 and 8 months. In our experience, the turnaround time is typically 4 months from the date of application.

      Step 4 – Application for SWIFT and LEI codes is submitted.

      Step 5 – SPI License is granted and the scope of activity in the United Kingdom can begin.

      Contact Us

      Complete the contact form and a member of the MC Contabilidade team will get in touch with you to discuss your specific circumstances. 

      info@madeiracompany.com

      +351 291 625 894

      MC Contabilidade, Rua das Pretas 43, Andar 3, 9000-049 Funchal, Portugal

      Our Services

      Company Formation

      Madeira Company specialises in the incorporation and registration of new businesses and companies in Madeira and Portugal. We have an experienced team ready to assist you with all aspects of company formation. Whether you choose a Public (S.A) or Limited (LDA) company, our team offer thorough guidance and expert support with name registration and approval, certificate of incorporation, fiscal number, and opening a company bank account.

      Tax Consulting

      Our dedicated team offers advice on compliance with local taxation requirements, and assistance in tax refunds and tax litigation. Madeira Company works with you to mitigate your tax risks and improve the efficiency of your local and international operations in Madeira. Our in-house team of experienced tax professionals are ready to assist with Personal Income Tax, Non-Habitual Residency and Fiscal Representation.

      Accounting

      Madeira-based Bookkeeping and accounting services, including VAT, Profit Tax returns and the preparation of financial statements. Our expert team can discuss the level of support required for your business. We will assist you with VAT and tax returns to your local authority, periodic and annual reporting as well as your End of Year accounting. Contact us today to find out how our team of experienced accountants can help you and your business.

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