Estonia Online Money Transfer License
You can provide money transfer services throughout the European Union by operating securely and legally in the field of financial technologies.
Advantages of
Estonia Online Money Transfer License Service
The online money transfer license (EMI or PI) obtained in Estonia allows you to issue electronic money and perform international money transfers. With this license, your company can operate as a reliable and regulated financial institution within the European Union.
Legal Compliance
Estonia offers a clear legal framework for financial service providers that complies with European Union standards. By obtaining a license, you meet regulatory requirements and inspire confidence in your customers.
Cost Advantage
Consulting services simplify the license application process. Complex procedures are simplified. This prevents unnecessary costs. Transactions are completed quickly thanks to Estonia’s digital infrastructure.
Access to the European Market
With an Estonian license, you can provide services to all countries in the European Economic Area. This gives your business the potential for global growth and investment.
Step-by-Step Guide to
Obtaining a Money Transfer License in Estonia
Learn about all stages from pre-application to completion of the licensing process. At Berfin.ee, we offer customized solutions and manage operational processes from start to finish on your behalf.
What is an Estonia Online Money Transfer License?
The license grants the right to issue electronic money (e-money) and facilitate the transfer of third-party funds. Issued in Estonia in accordance with European Union directives, this license provides a strong legal framework for businesses operating in the fintech sector.

What are Estonia's Online Money Transfer Services?
The service includes company establishment, license application, preparation of AML/KYC processes, establishment of internal audit systems, and reporting services. The most suitable license type for your field of activity is determined and the process is customized for you.

In Which Areas Is the Estonia Money Transfer License Used?
Licenses are used in areas such as electronic wallet services, mobile payment solutions, international money transfers, digital banking, and payment infrastructure providers. They play a critical role for fintech, e-commerce, and SaaS businesses.

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Estonia Online Money Transfer Licensing Process
The licensing process begins before the application and is completed with operational setup after approval. At Berfin.ee, we carry out all steps digitally on your behalf.
Needs Analysis and Planning
Your company structure and goals are reviewed. The appropriate license type (EMI/PI) is determined.
Company Formation and Preparation
The steps for establishing a company in Estonia are followed. A business plan, documents, and internal control files are prepared.
Creating the Application File
All documents required for online money transfer activities are collected. The license application is submitted to EFSA.
Process Tracking and Support
The application process is closely monitored with regulatory agencies. Any necessary additional documents are submitted.
License Approval and Commencement
After license approval, the online money transfer service is activated and reporting processes are initiated.
Obtaining an online transfer license has never been easier!
With our consulting services, you can obtain an online money transfer license for your commercial services in a practical manner!

Frequently Asked Questions
You can find frequently asked questions about Estonia’s online money transfer license service here.
Is an Estonia money transfer license required?
Yes. This license is required to provide electronic money or money transfer services in Estonia.
What are the benefits of an Estonia money transfer license?
Important advantages such as legal certainty, free provision of services within Europe, customer confidence, and access to investors are gained.
How much does an Estonian money transfer license cost?
Costs vary depending on the type of company, scope of consulting, and application process. License fees and annual reporting obligations should be included in the calculation.
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We can provide comprehensive support for your operational activities with online money transfer licensing consulting. Leave your details and we will contact you!