Sociedade Prestadora de Serviços de Pagamentos — Angola
The Angola category mapped to e-money issuance and payment processing.
Regulator: Banco Nacional de Angola.
The single SPSP register category under Aviso n.º 02/2022 (Prestação de Serviços de Pagamento). Art. 4.1 lists the payment services an SPSP may provide, including e-money issuance (f) and the payment services (a-e, h-j) - hence dual-mapped to EMONEY_ISSUE + PAYMENT_PROCESSING at category grain. Art. 18.2 splits SPSPs into sub-classes (Principal · Standard Classe 1/2 · Remessa de Valores · Serviços de Iniciação de Pagamento · Serviços de Informação sobre Contas), each with its own capital floor (Aviso 04/2024) - but the register publishes NO per-entity sub-class, so the art-18 classes are DATA on this note, never separate categories, and per-entity activity is held (the register lists all SPSPs under one category). The « (SM) » marker on some entities is the register's « Serviços móveis » footnote, NOT an e-money-licence statement - never inferred per entity. Remittance is served by the dedicated register of remittance-authorized casas de câmbio (a separate register section), so it is not folded into the SPSP mapping (the SPSP Remessa-de-Valores sub-class is not per-entity identifiable). Published on the BNA « Instituições Financeiras Autorizadas » register as « Sociedades Prestadoras de Serviços de Pagamentos ».
Maintained: this official source is re-checked on a weekly schedule — last checked 2026-08-04 · unchanged since the previous check.
Licensed providers
18 entitiesLicence requirements
What it takes to hold this licence, as stated in the cited official instruments. Capital and fees are shown in the currency the statute itself uses.
| Requirement | As published | Source | Source date |
|---|---|---|---|
| Minimum capital | Tiered by SPSP sub-class (Aviso 04/2024 art. 3): Principal Kz 70 000 000,00; Standard Classe 1 Kz 40 000 000,00; Standard Classe 2 Kz 25 000 000,00; Remessa de Valores Kz 70 000 000,00; Serviços de Iniciação de Pagamento Kz 25 000 000,00; Serviços de Informação sobre Contas Kz 20 000 000,00. Verbatim“devem ter o seu capital social integralmente realizado no valor mínimo de: a) Para as Sociedades Prestadoras de Serviços de Pagamento previstas nas alíneas a) e b) do n.º 2 do artigo 18.º do Aviso n.º 02/22, de 02 de Fevereiro: i. Principal – Kz 70 000 000,00 (setenta milhões de Kwanzas); ii. Standard Classe 1 – Kz 40 000 000,00 (quarenta milhões de Kwanzas); e, iii. Standard Classe 2 – Kz 25 000 000,00 (vinte e cinco milhões de Kwanzas). b) Para as Sociedades Prestadoras de Serviços de Pagamento que prestem os serviços previstos nas alíneas c), d) e e) do n.º 2 do artigo 18.º do Aviso n.º 02/2022, de 02 de Fevereiro: i. Remessa de Valores – Kz 70 000 000,00 (setenta milhões de Kwanzas); ii. Serviços de Iniciação de Pagamento – Kz 25 000 000,00 (vinte cinco milhões de Kwanzas); e, iii. Serviços de Informação sobre Contas – Kz 20 000 000,00 (vinte milhões de Kwanzas).” | Aviso n.º 04/2024, de 16 de Dezembro — Capital Social Mínimo das Instituições Financeiras Não Bancárias (revokes Aviso 05/23; the operative SPSP + casa-de-câmbio capital) | 2024-12-16 |
| Local presence / incorporation | Not officially published: The exercise of payment-service provision requires prior authorization from the Banco Nacional de Angola; the SPSP sub-class taxonomy (Principal / Standard / Remessa / PIS / AIS) is set by Aviso 02/2022 art. 18. No isolable local-incorporation-form clause is published in the slices read. | Aviso n.º 02/2022, de 2 de Fevereiro — Prestação de Serviços de Pagamento (the SPSP regime: activities art. 4, classes art. 18, e-money float art. 25) | 2022-02-02 |
| Timeline | Not officially published: No fixed statutory number of days within which the BNA must grant or refuse an SPSP application is published in a norm; BNA's licensing guidance page states the process takes on average six months (« levando em média 6 meses ») — guidance-grade prose, not a norm, so it is not published. | Aviso n.º 02/2022, de 2 de Fevereiro — Prestação de Serviços de Pagamento (the SPSP regime: activities art. 4, classes art. 18, e-money float art. 25) | 2022-02-02 |
| Local ownership | No such requirement: Aviso 02/2022 sets no ownership-percentage or nationality cap for an SPSP. | Aviso n.º 02/2022, de 2 de Fevereiro — Prestação de Serviços de Pagamento (the SPSP regime: activities art. 4, classes art. 18, e-money float art. 25) | 2022-02-02 |
| Fees | No such requirement: No application/authorization fee schedule is fixed for an SPSP in the slices read. | Aviso n.º 02/2022, de 2 de Fevereiro — Prestação de Serviços de Pagamento (the SPSP regime: activities art. 4, classes art. 18, e-money float art. 25) | 2022-02-02 |
| Ongoing obligations | Electronic-money issuers must open a bank account in the country, exclusively for the deposit of the funds received for the exchange of electronic money (float safeguarding). Verbatim“Os emitentes de moeda electrónica devem abrir conta bancária no país, exclusivamente, para o depósito dos fundos recebidos destinados a troca de moeda electrónica.” | Aviso n.º 02/2022, de 2 de Fevereiro — Prestação de Serviços de Pagamento (the SPSP regime: activities art. 4, classes art. 18, e-money float art. 25) | 2022-02-02 |
Requirements as published in the cited instruments — not legal or compliance advice. Where a value is located but not yet verified, we show that it exists but don't publish the figure. Verify directly with the regulator.
The equivalent in other markets
Categories mapped to the same normalized activity —
fintech:EMONEY_ISSUE:
- → Mobile Money Operator Licence Category (Nigeria)
- → E-Money Issuer (Kenya)
- → Small E-Money Issuer (Kenya)
- → Dedicated Electronic Money Issuer (Ghana)
- → Electronic Money Issuer (Tanzania)
- → Electronic Money Issuer (Uganda)
- → Electronic Money Institution (Zambia)
- → E-Money Issuer (Rwanda)
- → Établissement de monnaie électronique (Benin)
- → Établissement de monnaie électronique (Burkina Faso)
- → Établissement de monnaie électronique (Côte d'Ivoire)
- → Établissement de monnaie électronique (Guinea-Bissau)
- → Établissement de monnaie électronique (Mali)
- → Établissement de monnaie électronique (Niger)
- → Établissement de monnaie électronique (Senegal)
- → Établissement de monnaie électronique (Togo)
- → Payment Instrument Issuer (Ethiopia)
- → Établissement de paiement (Cameroon)
- → Établissement de paiement (Central African Republic)
- → Établissement de paiement (Congo-Brazzaville)
- → Établissement de paiement (Gabon)
- → Établissement de paiement (Equatorial Guinea)
- → Établissement de paiement (Chad)
- → Établissement de paiement offrant des produits et services de paiement (Morocco)
- → Mobile Financial Services (mobile money) (Zimbabwe)
- → Établissement de monnaie électronique (DR Congo)
- → Instituição de moeda electrónica (Mozambique)
- → Electronic Money (E-Money) participant (Namibia)
- → Mobile Money Issuers (Lesotho)
- → Mobile Money Service Provider (Eswatini)
- → Electronic Money Issuance (Botswana)
- → E-Money Issuer (Malawi)
- → Mobile Money Service Provider (Somalia)
- → Établissement de paiement émetteur de monnaie électronique (Burundi)
- → Établissement de monnaie électronique (Djibouti)
- → Mobile money operator (The Gambia)
- → Electronic money issuer (Seychelles)
- → Instituição de moeda eletrónica (Cabo Verde)
- → Mobile money operator (Sierra Leone)