Companion Tool — For E-Money Institutions, see T405 — EMI Capital Requirements Calculator (EMD2 Article 5).

Disclaimer — This tool applies published PSD2 / PSRs 2017 methodology. Actual requirements may be adjusted by your NCA or FCA. Always confirm with qualified legal counsel. All inputs are processed locally in your browser — no data is transmitted. Zero PII · deterministic logic · no inference · CC BY 4.0.

Method Selection & Inputs

Calculation Method

Method A

10% of preceding year fixed overheads. Simple and conservative.

Method B

Tiered % of current year payment volume × risk factor k.

Method C

Tiered % of 3-year rolling average payment volume × k.

All Three

Compare all methods and identify most favourable result.

Regulatory Regime UK retained PSD2 Art.9 rules post-Brexit via PSRs 2017 Reg.8. Thresholds unchanged.

Payment Service Type Determines initial capital floor. AIS-only PIs: €50,000. All other authorised PIs: €125,000.

Fixed Overheads — Preceding Year (€/£) Method A only. Total fixed costs from prior year P&L per PSD2 Art.9(1)(a).

Annual Payment Volume — Current Year (€/£) Methods B & C. Total value of payment transactions in the most recent 12 months.

Annual Payment Volume — Year −1 (€/£) Method C only. Volume from the year prior to the current year. Leave blank to use current year as proxy.

Annual Payment Volume — Year −2 (€/£) Method C only. Volume from two years prior. Leave blank to use current year as proxy.

Current Own Funds Held (€/£) — Optional If provided, the tool will calculate surplus or deficit against the requirement.

Risk Scaling Factor k — Methods B & C (PSD2 Art.9(3))

k = 0.5

Low risk — NCA-approved low-risk profile

k = 0.8

Standard — default for most authorised PIs

k = 1.0

High risk — elevated NCA risk assessment

k = 1.5

Very high risk — NCA supervisory add-on

PSD2 Art.9 Formulas

Method A: own_funds = max(floor, 10% x fixed_overheads) Method B: own_funds = max(floor, tier(vol_current) x k) Method C: own_funds = max(floor, tier(avg_3yr) x k) where avg_3yr = (vol_current + vol_y1 + vol_y2) / 3 Tiers (PSD2 Art.9 / Annex I methodology): 4.00% on first EUR 5M | 2.50% on EUR 5M-10M | 1.00% on EUR 10M-100M 0.50% on EUR 100M-250M | 0.25% on above EUR 250M Floor: EUR 125,000 (AIS-only PIs: EUR 50,000)

Please provide the required input(s) for the selected method(s).

Own Funds Requirement

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All-Methods Comparison

Method	Input Basis	Pre-Floor Amount	After k Scaling	Final (after floor)	Tag

Regulatory Basis

Calculation Breakdown

Capital Adequacy Check

ⓘ The initial capital floor is a standing requirement independent of the calculated own-funds amount. For supervised PIs, the FCA/NCA may require a buffer above the minimum based on supervisory judgement.

PI Own Funds Calculator