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Alena Mach
12.08.2020 | 6 min read
Updated: 15.10.2026
Who regulates fintech in Gibraltar
The Gibraltar Financial Services Commission (GFSC) authorises and supervises financial firms under the Financial Services Act 2019. Regulated activities in or from Gibraltar require authorisation or an exemption.
EU law stopped applying at midnight on 31 December 2020, when the Brexit transition period ended. EU-derived rules in force on that day continue as Gibraltar law.
Are you planning to open a company in Gibraltar and need to obtain a license? Do you need to gather information about all related costs? Contact COREDO and we will provide you with advice about starting a business in Gibraltar.
DLT and virtual asset providers
Storing or transmitting value belonging to others by distributed ledger technology (DLT) is a regulated activity. Since 27 October 2025, exchanging virtual assets with money or with each other is regulated too. Firms need GFSC authorisation as a DLT Provider or VAA Provider.
The Financial Services (DLT Providers and VAA Providers) Regulations 2020 set ten regulatory principles; the tenth, on market integrity, was added in April 2022. The GFSC grants permission only if satisfied that the applicant will always comply with them. Since 26 March 2026, a provider must notify the GFSC of a dividend at least 30 days before declaring it, and the GFSC may object.
In case you need a fintech license in Gibraltar, COREDO will assist you in obtaining one.
Payment-related services
Payment and e-money firms are authorised under the 2019 Act and its Payment Services and Electronic Money Regulations 2020. EU passporting is no longer available. Passporting between Gibraltar and the UK continues as a transitional arrangement until 31 December 2026, a date the FCA says may be extended.
COREDO will give you legal advice not just on Gibraltar’s system of payment, but also European, American or British.
Funds, insurance and mortgages
Experienced investor funds are suitable only for experienced investors, for example an individual with net worth above EUR 1 million, not counting pension assets or main residence. Insurance distribution and mortgage credit are regulated activities under the same Act.
Tax and who should consider Gibraltar
The standard corporation tax rate is 15%, applying since 1 July 2024. Gibraltar suits firms that want a principles-based DLT regime or UK market access and can manage the business from a Gibraltar office.
Protection of data
Personal data is protected by the Gibraltar GDPR, the EU regulation retained in Gibraltar law, and the Data Protection Act 2004.
For more detailed and thorough information about data protection in Gibraltar, schedule a consultation in COREDO. Our specialists are ready to give you business and legal advice.