Fintech & digital payments rules in Slovenia (2026)

Payment institutions and electronic money institutions must obtain authorisation from Banka Slovenije under ZPlaSSIED before providing services. Banka Slovenije publishes a public register of all authorised entities, exempt payment institutions, and registered account information service providers.

Banka Slovenije is the sole competent authority for supervising non-bank payment service providers and financial market infrastructures under ZPlaSSIED. It also operates a dedicated Fintech Innovation Hub offering regulatory guidance on crypto, blockchain, crowdfunding, and alternative payment business models.

ZPlaSSIED fully transposes PSD2 open-banking obligations. Third-party account information service providers must register with Banka Slovenije, and payment initiation service providers require full authorisation. Banks must provide compliant access-to-account APIs.

From 9 January 2025 Slovenian banks were required to receive SEPA Instant Credit Transfers (SCT Inst); from 9 October 2025 full mandatory sending capability applied. Slovenia also operates a domestic instant infrastructure: BIPS (Bankart Instant Payment System, live since 2019) and the P2P mobile solution Flik.

BNPL in Slovenia is regulated under consumer credit law. EU Consumer Credit Directive II (Directive 2023/2225/EU) required transposition by 20 November 2025, removing exemptions for short-term interest-free BNPL from third-party providers and bringing them within the licensed consumer credit framework applicable from 2026.

EU PSD3 and the Payment Services Regulation (PSR) reached provisional political agreement in November 2025. PSD3 will merge PI and EMI authorisations into a single licence category; national transposition is expected approximately 18 months after entry into force (~2026–2027), at which point Slovenia will update ZPlaSSIED accordingly.