--- title: "White-Label Digital Banking for Irish EMIs | Central Bank" description: "Launch an e-money app under a Central Bank of Ireland EMI authorisation: branded apps, onboarding, cards, SEPA Instant and the IT sections of your file." url: "https://crassula.io/solutions/digital-banking/ireland-emi/" lang: "en" image: "https://crassula.io/static/images/og/crassula-default.d7d01fb8a962.jpg" alternates: "en": "https://crassula.io/solutions/digital-banking/ireland-emi/" "de": "https://crassula.io/de/solutions/digital-banking/ireland-emi/" "es": "https://crassula.io/es/solutions/digital-banking/ireland-emi/" "fr": "https://crassula.io/fr/solutions/digital-banking/ireland-emi/" "x-default": "https://crassula.io/solutions/digital-banking/ireland-emi/" index: "https://crassula.io/llms.txt" --- Ireland · EMI # Digital banking for e-money institutions authorised in Ireland Since March 2026 Irish EMIs work under the revised Consumer Protection Code, and the Central Bank reads an application with the retail customer in mind. Put a branded app in front of that customer, backed by account and card logic your Dublin team controls. [Request demo](https://crassula.io/request-demo/) [Digital Banking →](https://crassula.io/solutions/digital-banking/) Your market**Ireland**EMI - Branded consumer and business apps - Fees and terms shown before customers commit - SEPA Instant with payee name check - Cards via the issuer you choose Rails your customers can use **SEPA Credit Transfer****SEPA Instant****SEPA Direct Debit****SWIFT****Card payments** What the regulator asks about your IT**7** Case Studies ## See what teams build with Crassula. ![Multipass](https://crassula.io/static/images/solutions/cases/logo-multipass.7fb14a8eede7.png) - Multi-currency accounts - Cross-border payments - BaaS connections Live on Crassula ### [Custom financial products for global businesses.](https://crassula.io/cases/multipass/) Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections. [Read case study: Multipass](https://crassula.io/cases/multipass/) ![LuxPay](https://crassula.io/static/images/solutions/cases/logo-luxpay.7d1fa138b9ba.png) - IBAN · SEPA - Card issuing - KYC onboarding Live on Crassula ### [A connected banking platform for modern financial services.](https://crassula.io/cases/luxpay/) Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product. [Read case study: LuxPay](https://crassula.io/cases/luxpay/) Digital Banking · EMI ## What an Irish EMI can launch for its customers ### Personal e-money account An account opened in the app with an IBAN, a card and real-time notifications for every payment in or out. ### Clear pricing inside the app Fee schedules loaded from your price lists and shown at the point of payment, so customers know the charge before they confirm. ### Business accounts for Irish SMEs Company onboarding, several users with separate permissions, batch payments with approvals and saved suppliers. ### Direct debits for household bills SEPA Direct Debit mandates customers can view and manage in the app. ### Debit and prepaid cards Virtual cards at sign-up, plastic later, with in-app limits, freezing and card top-ups from the account. The issuing agreement is between you and the issuer. ### What this licence does not cover - Deposits or interest. E-money is not covered by the Irish deposit guarantee scheme, and the app copy must say so plainly. - Lending of any kind paid for with customer balances. - Running the business from outside Ireland. The Central Bank expects the mind and management of the firm to sit in Ireland. Your market ## What the regulator asks about your IT Each requirement, what the platform gives you for it and who owns it after launch. 1 Mind and management in Ireland, with senior roles pre-approved as PCFs Back office permissions for your Irish executives to approve customers, limits and payments, with an audit trail of who did what. You 2 Revised Consumer Protection Code: information, fair treatment and complaints Editable app texts, fee disclosure before payment and customer notifications you control, so your compliance team can sign off every screen. You, with your lawyers 3 Strong customer authentication Two-factor sign-in and payment confirmation in the web and mobile apps. Crassula 4 Remote onboarding checks that satisfy Irish AML law Questionnaires for consumers and companies and identity checks through connected providers, with files kept per customer. Your MLRO 5 Safeguarding of e-money funds A customer ledger reconciled to the safeguarding account, with daily exports for your finance team. Your finance team 6 Operational resilience and DORA Architecture, hosting, incident handling and exit documentation for your ICT risk framework and register of information. You, with our input 7 A Key Facts Document before the pre-application meeting A short description of the platform, its hosting and its providers to include in your Key Facts Document. You, with our input Ireland ## Payment rails and providers Rails your customers can use SEPA Credit Transfer SEPA Instant SEPA Direct Debit SWIFT Card payments **24/7**real-time processing, no batch window **60+**payment and provider integrations connected **150+**companies run on Crassula **15+**languages the platform speaks Ireland ## Dates to plan around Rules that change what you have to build, in the order they apply. 1. **9 Oct 2025** Irish EMIs that send euro credit transfers had to start offering verification of payee on this date. 2. **10 Mar 2026** Zippay, the mobile payment service of AIB, Bank of Ireland and PTSB, went live. Irish customers now expect instant person-to-person payments. 3. **24 Mar 2026** The revised Consumer Protection Code took effect and applies to payment and e-money institutions. 4. **9 Apr 2027** EMIs must be able to send and receive SEPA Instant payments in euro. 5. **Around 2028** PSD3 is expected to apply. Irish EMIs will move into the single payment institution regime. EMI ## Preparing a Central Bank of Ireland EMI application? Name us in your file. The Central Bank runs authorisation in three stages and asks for a Key Facts Document before the pre-application meeting. We help you describe the technology in that first document and show the working app when the assessment starts. [Talk to us about your application](https://crassula.io/request-demo/) Crassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application. 1. 01 ### A platform you can demonstrate A configured environment to show the regulator, not slides. 2. 02 ### The technical part of your application, prepared IT systems, customer authentication, operational resilience, DORA and outsourcing sections, in line with the Central Bank's guidance note on PI and EMI applications. 3. 03 ### Providers lined up Banking, safeguarding and KYC providers from our network, matched to your licence. ![A customer checking her banking app in a café.](https://crassula.io/static/images/features/people/everyday-1200.e86174e595f2.webp) Digital Banking ## A Dublin consumer app, start to launch Picture a team building an account for people who have just moved to Ireland for work and need an IBAN before their first payday. They send the Central Bank a Key Facts Document, meet for the pre-application meeting and then file, using the demo app to show onboarding, fee disclosure and complaint routes. While the Central Bank assesses the file, the team reviews every app screen against the revised Consumer Protection Code and tests SEPA Instant with payee name checks. After authorisation they launch in Ireland first, then passport to other EEA countries where their customers come from. Licence detail: the [Ireland EMI and PI guide](https://crassula.io/guides/licenses/ireland-emi-pi/) and [EMI licensing in the EU](https://crassula.io/guides/licenses/electronic-money-institution/). Guides ## Read the licence guides ![Ireland EMI and PI License in 2026: The Complete CBI Guide](https://crassula.io/static/images/guides/ireland-emi-pi/irish-round-tower-preview-960.2352a9d073fe.jpg) ### [Ireland EMI and PI License in 2026: The Complete CBI Guide](https://crassula.io/guides/licenses/ireland-emi-pi/) ![Electronic Money Institution (EMI) License in 2026: The Complete Guide](https://crassula.io/static/images/guides/electronic-money-institution/emoney-coin-preview-960.54bbaf747450.jpg) ### [Electronic Money Institution (EMI) License in 2026: The Complete Guide](https://crassula.io/guides/licenses/electronic-money-institution/) ![White-Label Mobile Banking in 2026: The Ultimate Guide](https://crassula.io/static/images/guides/white-label-mobile-banking/mobile-banking-pebble-preview-960.412714bbfaf1.jpg) ### [White-Label Mobile Banking in 2026: The Ultimate Guide](https://crassula.io/solutions/mobile-banking-app/guides/white-label-mobile-banking/) ![Open Banking in 2026: The Ultimate Guide](https://crassula.io/static/images/guides/open-banking/open-banking-padlock-preview-960.ce41a897fb01.jpg) ### [Open Banking in 2026: The Ultimate Guide](https://crassula.io/solutions/digital-banking/guides/open-banking/) [**Explore all guides**Licensing, payments, cards and core banking, explained by our team.](https://crassula.io/guides/) Ireland · EMI ## FAQ The questions teams ask us before a first call. [**Not covered here?**Bring your question to a demo with our team.](https://crassula.io/request-demo/) Does the Central Bank of Ireland charge an application fee? No. Authorised firms pay the annual Industry Funding Levy instead, with a minimum of EUR 5,300 for 2025/26 plus a variable part. How long does the Central Bank take to decide? The law sets three months from a complete application. The Central Bank's own service standard is to finish 90% of assessments within 90 business days, and the Exploratory stage comes before that. Does the revised Consumer Protection Code apply to an EMI? Yes. Since 24 March 2026 it covers payment and e-money institutions. App texts, fee screens and notifications are configurable, so your compliance team can align them with the Code. Can our customers use Zippay? Zippay is run by Nexi for AIB, Bank of Ireland and PTSB, and is offered to institutions that provide IBANs. Joining is a decision for you and the scheme. Inside your own app, SEPA Instant already gives customers payments in seconds. Which senior people need Central Bank approval? Holders of pre-approval controlled functions (PCFs), such as executive directors and heads of key functions. The Central Bank does not approve one person covering three such roles. Can we show the app before we file? Yes. A branded environment can be ready in as little as 10 business days, in time for the pre-application meeting. Ireland · EMI ## What an Irish EMI can launch for its customers Tell us your licence and country. We will map the rails, providers and documents you need. [Request demo](https://crassula.io/request-demo/) [**Know what you pay**One setup fee and a monthly plan with accounts and transactions included.*See pricing →*](https://crassula.io/prices/) [**Start with the API**Documented endpoints for accounts, payments, cards and customers.*Explore the API →*](https://crassula.io/features/api/)