Lithuania EMI
Cost
Application €5,000-€10,000 + setup €100,000+
Timeline
6-12 months, among the fastest EU EMI processes
Capital
€350,000 minimum
Electronic Money Institution regulated by Bank of Lithuania.
Who it suits
Fintechs and payment operators wanting fast EU EMI authorization. Lithuania has the most operator-friendly EMI process in EU.
Compliance load
PSD2 + EMD2 framework, fund safeguarding, AML/CTF, sandbox regime available for testing.
The acquiring angle
Lithuania has become the EU EMI hub of choice for fintechs and challenger banks. Bank of Lithuania actively promotes the framework. Acquirer acceptance broad.
Notes and pitfalls
The Lithuanian sandbox regime is operator-friendly during the application phase but full ongoing supervision once authorized is not lighter than other EU member states.
Reference information, not legal advice. Figures are typical ranges as of 2026.
Lithuania EMI questions.
How do acquirers view the Lithuania EMI licence?
Acquirer acceptance is Broad. Lithuania has become the EU EMI hub of choice for fintechs and challenger banks. Bank of Lithuania actively promotes the framework. Acquirer acceptance broad.
What does the Lithuania EMI cost and how long does it take?
Cost: Application €5,000-€10,000 + setup €100,000+. Timeline: 6-12 months, among the fastest EU EMI processes. Capital: €350,000 minimum. These are typical ranges as of 2026; verify with the regulator before budgeting.
Does BZNpay help with Lithuania EMI applications?
No. We are an introducer to acquirers, not a licensing agent. We can tell you how this licence plays with the acquirer pool and introduce you to the partners whose appetite covers it.