Secure your Swiss FinTech Licence under FINMA (Art. 1b BA) with structured application support, regulatory documentation, and full approval management.
FINMA FinTech application & documentation
Regulatory strategy & approval handling
From licence submission to operational readiness
We guide Swiss FinTech firms through the full FINMA FinTech application process — from regulatory feasibility and documentation to submission, review, and final approval.
Assessment of your business model under FINMA (Art. 1b BA), including licensing scope, deposit thresholds, and regulatory positioning.
Preparation of all required FINMA FinTech documentation, including business plan, financial projections, governance, AML/KYC, and risk management framework.
Coordination with auditors, final review, and structured submission aligned with FINMA expectations.
Support throughout FINMA review, handling regulatory questions, and guiding the process until licence approval.
We support Swiss FinTech firms beyond the licensing process — providing the infrastructure, operational setup, and governance required for a compliant and scalable business.
We take full ownership of the FINMA FinTech application process — from regulatory concept to audit-ready submission and approval.
We provide integrated IT solutions covering AML/KYC/KYB, identity verification, and connectivity to SIC, Euro SIC, and the Swiss National Bank.
We support company setup, governance structuring, and regulatory compliance, enabling efficient interaction with regulators and stakeholders.
We design operational frameworks, risk structures, and compliance processes to ensure secure, scalable, and resilient operations.
Additional regulatory setups are available depending on the business model and licensing scope. Case-specific structures can be supported.
We take ownership of the full regulatory journey — from application to operational readiness — ensuring structured execution and reliable outcomes.
We align governance, reporting, and internal processes with FINMA requirements to ensure a smooth transition into operations.
We integrate AML/KYC, risk management, and compliance frameworks directly into your business model and operational setup.
We support ongoing compliance, audits, and regulatory interaction, enabling sustainable growth in the Swiss market.
Audit-ready documentation, regulatory audits, and structured FINMA application support.
Clear regulatory positioning, governance design, and business structuring aligned with Swiss requirements.
Direct interaction with FINMA and industry bodies throughout licensing and operations.
Common questions about Swiss FinTech licensing and FINMA approval
A Swiss FinTech license under Article 1b of the Swiss Banking Act allows companies to accept public deposits of up to CHF 100 million without engaging in lending activities. Licence holders are subject to FINMA supervision and must meet specific requirements regarding governance, risk management, and AML/KYC compliance.
The duration of a FINMA FinTech licence application depends on the complexity of the business model and the level of preparation. In practice, the process typically takes between 6 and 12 months. A structured and audit-ready submission helps avoid delays during the FINMA review process.
Yes. Swiss FinTech licence applications generally require locally resident board members and executive management to ensure effective oversight, governance, and regulatory accountability under FINMA supervision.
FINMA does not grant formal pre-approval before a licence application is submitted. However, regulatory concepts and documentation can be prepared and aligned with supervisory expectations in advance to support a smoother review process.
Yes. After licence approval, Swiss FinTech companies must maintain ongoing compliance with FINMA requirements, including governance, AML/KYC controls, risk management, reporting, and audit readiness.
FinTech Werkstatt supported us in preparing our Swiss FinTech licence application in a highly efficient and structured way. All required documentation was delivered audit-ready, covering business planning, AML, risk and compliance, outsourcing, and financial projections.
Their guidance helped us focus early on key regulatory risks and priorities, resulting in a clear and well-prepared submission. The collaboration was professional, precise, and highly effective throughout the process.
FinTech Werkstatt was a key partner in navigating both Swiss and international licence applications. Their expertise in regulatory structuring, IT infrastructure, and compliance ensured a smooth and well-coordinated process.
With access to qualified board and executive candidates in Switzerland, we were able to meet FINMA requirements efficiently. Their hands-on support and regulatory insight made a significant difference to our application outcome.
We reviewed a FINMA FinTech licence application prepared by FinTech Werkstatt prior to submission and assessed it as high quality and well structured. The documentation met regulatory expectations and reflected strong technical expertise.
The collaboration was efficient and responsive, with all questions addressed promptly. We would welcome further opportunities to review applications prepared by the FinTech Werkstatt team.
FinTech Werkstatt combines strong regulatory expertise with efficient execution and excellent access to Swiss authorities and industry partners. Their structured approach ensures high-quality applications and clear regulatory positioning.
Our licence application was prepared and submitted in a very short timeframe, passed audit without delay, and progressed smoothly through the FINMA process. The team delivers speed, precision, and reliability.
FinTech Werkstatt provided structured support in aligning our organisation with Swiss Banking Act requirements and FINMA expectations. Their expertise ensured a compliant and well-prepared governance and operational setup.
The team demonstrated strong regulatory knowledge and professional execution, helping us establish a solid foundation for licensing and ongoing compliance.
