Providing licensed or certified services
You need to be licensed or certified to provide certain financial services. Find out who to apply to.
- Applying to provide licensed market services How to apply to provide licensed market services under the FMC Act.
- Applying to be a licensed insurer You apply to the Reserve Bank for a licence to be an insurer.
- Applying to be a non-bank deposit taker You apply to the Reserve Bank for licensing as a non-bank deposit taker (NBDT).
- Applying to register as a bank All banks operating in New Zealand must be registered with the Reserve Bank.
- Applying for certification as a lender or mobile trader Lenders or mobile traders must be certified as 'fit and proper' by the Commerce Commission.
- Applying for a financial institution licence From 31 March 2025, existing registered banks, licensed insurers and licensed non-bank deposit takers in the business of providing one or more relevant services to consumers in New Zealand, will need a financial institution licence to continue to operate.
Other help topics
Getting started on the register
Registering a financial service provider (FSP)
Dispute resolution schemes (DRSs)
Filing an annual confirmation
Managing your registration as a financial service provider (FSP)
Deregistration and reregistration
Paying fees and levies
Managing your online services account
View all topics