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.
Global business accounts, multi-currency payments and cross-border solutions, supported by Crassula APIs and BaaS connections.
Read case study: Multipass
Account details, SEPA payments, card issuing, KYC onboarding and multi-currency exchange in one financial product.
Read case study: LuxPayAn account opened in the app with an IBAN, a card and real-time notifications for every payment in or out.
Fee schedules loaded from your price lists and shown at the point of payment, so customers know the charge before they confirm.
Company onboarding, several users with separate permissions, batch payments with approvals and saved suppliers.
SEPA Direct Debit mandates customers can view and manage in the app.
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.
Each requirement, what the platform gives you for it and who owns it after launch.
Back office permissions for your Irish executives to approve customers, limits and payments, with an audit trail of who did what.
YouEditable app texts, fee disclosure before payment and customer notifications you control, so your compliance team can sign off every screen.
You, with your lawyersTwo-factor sign-in and payment confirmation in the web and mobile apps.
CrassulaQuestionnaires for consumers and companies and identity checks through connected providers, with files kept per customer.
Your MLROA customer ledger reconciled to the safeguarding account, with daily exports for your finance team.
Your finance teamArchitecture, hosting, incident handling and exit documentation for your ICT risk framework and register of information.
You, with our inputA short description of the platform, its hosting and its providers to include in your Key Facts Document.
You, with our inputRails your customers can use
Rules that change what you have to build, in the order they apply.
Irish EMIs that send euro credit transfers had to start offering verification of payee on this date.
Zippay, the mobile payment service of AIB, Bank of Ireland and PTSB, went live. Irish customers now expect instant person-to-person payments.
The revised Consumer Protection Code took effect and applies to payment and e-money institutions.
EMIs must be able to send and receive SEPA Instant payments in euro.
PSD3 is expected to apply. Irish EMIs will move into the single payment institution regime.
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 applicationCrassula provides technology and documentation support. We do not provide legal or regulatory advice and cannot guarantee the outcome of an application.
A configured environment to show the regulator, not slides.
IT systems, customer authentication, operational resilience, DORA and outsourcing sections, in line with the Central Bank's guidance note on PI and EMI applications.
Banking, safeguarding and KYC providers from our network, matched to your licence.
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 and EMI licensing in the EU.
The questions teams ask us before a first call.
Not covered here?Bring your question to a demo with our team.Tell us your licence and country. We will map the rails, providers and documents you need.
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