{ "jurisdiction_id": "SI", "jurisdiction": "Slovenia", "url": "https://payments.gi/jurisdictions/slovenia/", "generator": "render_jid v13.3.0", "date_modified": "2026-08-11", "schema_version": "world-payments-v1", "counts": { "modules": 14, "sourced_findings": 64, "source_register": 137 }, "modules": [ { "code": "W1a", "name": "Licensing, Authorisation & Market Access", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w1a-licensing-authorisation-market-access", "standing_position": "Slovenia implements PSD2/EMD2 via the single Payment Services, Services for Issuing Electronic Money and Payment Systems Act (ZPlaSSIED, in force since 22 February 2018), with Banka Slovenije as sole authorising and supervisory authority for payment institutions, e-money institutions (including hybrid/waiver variants) and account information service providers. No dedicated digital-bank licence exists; entrants rely on the EU PI/EMI perimeter plus EEA passporting.", "findings": [ { "finding": null, "instrument_type": "primary statute (ZPlaSSIED)", "source": "https://www.bsi.si/en/payment-systems/payment-services-and-electronic-money-issuance-services", "source_url": "https://www.bsi.si/en/payment-systems/payment-services-and-electronic-money-issuance-services", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "authorisation regime", "source": "https://www.bsi.si/en/payment-systems/supervision-of-non-bank-payment-service-providers-and-financial-market-infrastructures", "source_url": "https://thebanks.eu/articles/banks-in-Slovenia", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "authorisation regime", "source": "https://www.bsi.si/en/payment-systems/supervision-of-non-bank-payment-service-providers-and-financial-market-infrastructures", "source_url": "https://thebanks.eu/articles/banks-in-Slovenia", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market structure", "source": "https://thebanks.eu/articles/banks-in-Slovenia", "source_url": "https://thebanks.eu/articles/banks-in-Slovenia", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "supervisory register", "source": "https://www.bsi.si/storage/uploads/71fa8fcd-6b27-43fd-bacb-fb43728a80b2/20251231-LIST-OF-NOTIFICATIONS-OF-PAYMENT-INSTITUTIONS.pdf", "source_url": "https://thebanks.eu/articles/banks-in-Slovenia", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W1b", "name": "Conduct, Safeguarding & Financial Promotions", "confidence": "Confirmed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w1b-conduct-safeguarding-financial-promotions", "standing_position": "Safeguarding follows the standard PSD2/EMD2 segregation model (client funds held in a separate account with an authorised credit institution or invested in liquid assets), supervised by Banka Slovenije; limited-network and telecom exclusions from ZPlaSSIED are actively monitored via a dedicated register and annual auditor attestations, with EBA Guidelines on the limited-network exclusion applied directly.", "findings": [ { "finding": null, "instrument_type": "regulatory guidance", "source": "https://www.bsi.si/en/financial-stability/institutions-under-supervision/service-providers-excluded-from-the-provisions-of-zplassied", "source_url": "https://www.bsi.si/en/financial-stability/institutions-under-supervision/service-providers-excluded-from-the-provisions-of-zplassied", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "safeguarding mechanism", "source": "https://www.innreg.com/blog/payment-and-electronic-money-pi-licenses-emi-licenses-europe-the-definitive-guide", "source_url": "https://www.innreg.com/blog/payment-and-electronic-money-pi-licenses-emi-licenses-europe-the-definitive-guide", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "conduct/SCA enforcement", "source": "https://www.rppp.si/wp-content/uploads/2019/07/20190711_ZPlaSSIED-and-PSD2-provisions-on-SCA.pdf", "source_url": "https://www.innreg.com/blog/payment-and-electronic-money-pi-licenses-emi-licenses-europe-the-definitive-guide", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "register", "source": "https://www.bsi.si/en/financial-stability/institutions-under-supervision/service-providers-excluded-from-the-provisions-of-zplassied", "source_url": "https://www.innreg.com/blog/payment-and-electronic-money-pi-licenses-emi-licenses-europe-the-definitive-guide", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W2", "name": "Stablecoins & Digital Money", "confidence": "Confirmed", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/slovenia/#w2-stablecoins-digital-money", "standing_position": "MiCA is fully in force in Slovenia via the Act Implementing the Regulation on Markets in Crypto-Assets (Official Gazette No. 95/2024). Competence is split: Banka Slovenije authorises and supervises e-money-token (EMT) issuers (as EMI or bank), while ATVP (Securities Market Agency) is the CASP/ART authority. Slovenia's national transitional regime for legacy virtual-currency/VASP providers expired 1 July 2025 without a simplified conversion path.", "findings": [ { "finding": null, "instrument_type": "primary statute (MiCA implementing act)", "source": "https://www.bsi.si/en/banka-slovenije-fintech-innovation-contact-point", "source_url": "https://www.bsi.si/en/banka-slovenije-fintech-innovation-contact-point", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "supervisory allocation", "source": "https://www.scorechain.com/resources/crypto-glossary/mica-slovenia-2025", "source_url": "https://www.licentium.io/hub/slovenia", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "authorisation requirement", "source": "https://www.bsi.si/en/banka-slovenije-fintech-innovation-contact-point", "source_url": "https://www.licentium.io/hub/slovenia", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "transitional regime / enforcement exposure", "source": "https://www.licentium.io/hub/slovenia", "source_url": "https://www.licentium.io/hub/slovenia", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "AML overlay on crypto", "source": "https://www.bsi.si/en/banking-supervision/aml-cft", "source_url": "https://www.licentium.io/hub/slovenia", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W3", "name": "Operational Resilience & Critical Infrastructure", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w3-operational-resilience-critical-infrastructure", "standing_position": "DORA applies directly across the EU financial sector including PSPs from 17 January 2025, but Slovenia's national implementing act (distributing supervisory tasks between Banka Slovenije, ATVP and the Insurance Supervision Agency) was still in the legislative pipeline as of April 2025, later than several peer member states, making Slovenia a lagging (in-progress) implementer of the national procedural layer even though the EU Regulation itself binds Slovenian PSPs directly.", "findings": [ { "finding": null, "instrument_type": "national implementing regulation (proposed)", "source": "https://www.dlapiper.com/en/insights/publications/2025/02/application-of-the-digital-operational-resilience-act---dora", "source_url": "https://www.dlapiper.com/en/insights/publications/2025/02/application-of-the-digital-operational-resilience-act---dora", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "EU regulation (directly applicable)", "source": "https://www.eba.europa.eu/activities/direct-supervision-and-oversight/digital-operational-resilience-act", "source_url": "https://www.dlapiper.com/en/insights/publications/2025/02/application-of-the-digital-operational-resilience-act---dora", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "incident-reporting technical standard", "source": "https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/operational-resilience/joint-technical-standards-major-incident-reporting", "source_url": "https://www.dlapiper.com/en/insights/publications/2025/02/application-of-the-digital-operational-resilience-act---dora", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "supervisory posture", "source": "https://copla.com/blog/compliance-regulations/dora-regulations-in-slovenia-and-impact-for-all-industries/", "source_url": "https://www.dlapiper.com/en/insights/publications/2025/02/application-of-the-digital-operational-resilience-act---dora", "source_tier": "4", "retrieved_at": "2026-07-05" } ] }, { "code": "W4", "name": "Scheme & Network Compliance", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w4-scheme-network-compliance", "standing_position": "Card-scheme and interchange rules in Slovenia follow the pan-EU baseline directly: the Interchange Fee Regulation (EU) 2015/751 caps consumer debit/credit interchange at 0.2%/0.3% for domestic and cross-border transactions, and Slovenia sits within Mastercard's and Visa's standard EEA intra-region interchange schedules. Domestic card clearing/settlement runs through Bankart's Card Settlement payment system under a Banka Slovenije-supervised legal framework.", "findings": [ { "finding": null, "instrument_type": "scheme rulebook (public summary)", "source": "https://www.mastercard.com/europe/en/business/support/merchant-interchange-rates.html", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "EU regulation", "source": "https://en.wikipedia.org/wiki/Interchange_fee", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "scheme/system rulebook", "source": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "processing infrastructure", "source": "https://www.bankart.si/en/payment-systems-and-services/", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "EU Commission implementation review", "source": "https://competition-policy.ec.europa.eu/system/files/2021-10/IFR_report_card_payment.pdf", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "1", "retrieved_at": "2026-07-05" } ] }, { "code": "W5", "name": "Payment Corridor Dynamics", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w5-payment-corridor-dynamics", "standing_position": "As a eurozone member since 2007, Slovenia's core payment corridors run through TARGET2-Slovenia for high-value settlement and SEPA (SCT/SCT Inst) for retail credit transfers, with Bankart operating the domestic SIMP-PS clearing system for internal credit transfers and direct debits. A domestic instant P2P scheme, Flik, supplements SEPA Instant adoption for mobile-based transfers.", "findings": [ { "finding": null, "instrument_type": "settlement infrastructure", "source": "https://www.bsi.si/en/media/posts/launch-of-the-target2-payment-system", "source_url": "https://www.bsi.si/en/media/posts/launch-of-the-target2-payment-system", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "national payment systems inventory", "source": "https://www.bsi.si/en/payment-systems/supervision-of-non-bank-payment-service-providers-and-financial-market-infrastructures", "source_url": "https://www.bsi.si/en/media/posts/launch-of-the-target2-payment-system", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "clearing infrastructure", "source": "https://www.nlbgroup.com/int-en/about-nlb-group/nlb-group-markets/bankart", "source_url": "https://www.bsi.si/en/media/posts/launch-of-the-target2-payment-system", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "instant payments / domestic rail", "source": "https://www.transfi.com/blog/slovenias-payment-rails-how-they-work---sepa-instant-payments-mobile-banking", "source_url": "https://www.bsi.si/en/media/posts/launch-of-the-target2-payment-system", "source_tier": "4", "retrieved_at": "2026-07-05" } ] }, { "code": "W6", "name": "Industry Structure & Commercial Dynamics", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w6-industry-structure-commercial-dynamics", "standing_position": "The Slovenian banking/PSP market is concentrated and consolidating: 14 licensed banking institutions with total assets of roughly EUR 54.2 billion at end-2024, dominated by NLB and OTP banka (each around 30% share) following OTP's acquisitions of SKB (2019) and Nova KBM/Abanka (2021, renamed OTP banka in 2024), with foreign ownership (Italian, Hungarian, Austrian groups) accounting for over 60% of the sector.", "findings": [ { "finding": null, "instrument_type": "market structure", "source": "https://grokipedia.com/page/List_of_banks_in_Slovenia", "source_url": "https://grokipedia.com/page/List_of_banks_in_Slovenia", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "market consolidation", "source": "https://practiceguides.chambers.com/practice-guides/acquisition-finance-2025/slovenia", "source_url": "https://tracxn.com/d/explore/fintech-startups-in-slovenia/__75cf4fbjdePCeE5STj0a6vi335xFNITZ3IJRt_XBpKM/companies", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "significant institution designation", "source": "https://en.wikipedia.org/wiki/NLB_Group", "source_url": "https://tracxn.com/d/explore/fintech-startups-in-slovenia/__75cf4fbjdePCeE5STj0a6vi335xFNITZ3IJRt_XBpKM/companies", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "asset ranking", "source": "https://en.wikipedia.org/wiki/List_of_banks_in_Slovenia", "source_url": "https://tracxn.com/d/explore/fintech-startups-in-slovenia/__75cf4fbjdePCeE5STj0a6vi335xFNITZ3IJRt_XBpKM/companies", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "non-bank/fintech structure", "source": "https://tracxn.com/d/explore/fintech-startups-in-slovenia/__75cf4fbjdePCeE5STj0a6vi335xFNITZ3IJRt_XBpKM/companies", "source_url": "https://tracxn.com/d/explore/fintech-startups-in-slovenia/__75cf4fbjdePCeE5STj0a6vi335xFNITZ3IJRt_XBpKM/companies", "source_tier": "4", "retrieved_at": "2026-07-05" } ] }, { "code": "W7", "name": "Legal & Litigation", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w7-legal-litigation", "standing_position": "Banka Slovenije maintains a formal, published register of administrative penalties/measures imposed on supervised entities (97 recorded hits at time of collection), operating under its general enforcement powers over PIs, EMIs and banks; MiCA introduces new turnover-based enforcement exposure for CASPs and EMT issuers, and Slovenia applied no simplified transition for legacy virtual-currency providers, itself an enforcement-relevant policy choice.", "findings": [ { "finding": null, "instrument_type": "enforcement register", "source": "https://bsi.si/en/financial-stability/banking-system-supervision/supervisory-disclosure/publication-of-administrative-penalties", "source_url": "https://bsi.si/en/financial-stability/banking-system-supervision/supervisory-disclosure/publication-of-administrative-penalties", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "enforcement exposure (MiCA)", "source": "https://www.licentium.io/hub/slovenia", "source_url": "https://bsi.si/en/financial-stability/banking-system-supervision/supervisory-disclosure/publication-of-administrative-penalties", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "AML enforcement penalty framework", "source": "https://ezine.eversheds-sutherland.com/global-aml-guide/slovenia", "source_url": "https://bsi.si/en/financial-stability/banking-system-supervision/supervisory-disclosure/publication-of-administrative-penalties", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "SCA/conduct enforcement", "source": "https://www.rppp.si/wp-content/uploads/2019/07/20190711_ZPlaSSIED-and-PSD2-provisions-on-SCA.pdf", "source_url": "https://bsi.si/en/financial-stability/banking-system-supervision/supervisory-disclosure/publication-of-administrative-penalties", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W8", "name": "Merchant Acquiring & Risk", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w8-merchant-acquiring-risk", "standing_position": "Merchant card acquiring in Slovenia is processed principally through Bankart's Card Settlement payment system on behalf of participating banks, with dispute/chargeback and refund mechanics governed by the EEA-wide SEPA direct-debit refund rules and PSD2 SCA requirements; the acquiring risk layer benefits from centralised POS/ATM servicing under Bankart's mature processing capabilities.", "findings": [ { "finding": null, "instrument_type": "acquiring/settlement rulebook", "source": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "2", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "acquiring operations", "source": "https://www.bankart.si/en/payment-systems-and-services/", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "dispute/chargeback mechanics", "source": "https://stripe.com/resources/more/payments-in-slovenia", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "loss-sharing/risk mechanism", "source": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_url": "https://www.bankart.si/wp-content/uploads/2020/10/Card-Settlement-payment-system_v3.0._october-2020.pdf", "source_tier": "2", "retrieved_at": "2026-07-05" } ] }, { "code": "W9", "name": "Product Innovation & Market Development", "confidence": "High", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/slovenia/#w9-product-innovation-market-development", "standing_position": "Product innovation in Slovenia is EU-directive-led rather than domestically distinctive: the Flik mobile P2P instant-payment scheme, growing mobile/digital banking adoption, a Banka Slovenije fintech innovation contact point for regulatory clarification, and cross-border e-money wallet expansion (e.g., Aircash) into the Slovenian market represent the principal innovation vectors, alongside nascent MiCA-regulated crypto-asset services.", "findings": [ { "finding": null, "instrument_type": "innovation facilitation", "source": "https://www.bsi.si/en/banka-slovenije-fintech-innovation-contact-point", "source_url": "https://aircash.eu/about-us/", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "instant payments product", "source": "https://www.transfi.com/blog/slovenias-payment-rails-how-they-work---sepa-instant-payments-mobile-banking", "source_url": "https://www.bsi.si/en/banka-slovenije-fintech-innovation-contact-point", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "cross-border e-money product expansion", "source": "https://aircash.eu/about-us/", "source_url": "https://www.bsi.si/en/banka-slovenije-fintech-innovation-contact-point", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "digital banking/open banking", "source": "https://grokipedia.com/page/List_of_banks_in_Slovenia", "source_url": "https://www.bsi.si/en/banka-slovenije-fintech-innovation-contact-point", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "product innovation (e-invoicing/compliance infra)", "source": "https://fintech.global/2026/05/15/modest-week-in-fintech-with-677m-raised-in-14-deals/", "source_url": "https://www.bsi.si/en/banka-slovenije-fintech-innovation-contact-point", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W10", "name": "Consumer Protection & APP Fraud", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w10-consumer-protection-app-fraud", "standing_position": "Consumer protection runs on the harmonised EU Consumer Protection Act (CPA-1, effective 26 January 2023, implementing the Sale of Goods, Digital Content and Omnibus Directives), enforced with turnover-based fines for widespread infringements. There is no dedicated Slovenian APP-fraud reimbursement scheme comparable to the UK's PSR regime; online/payment scam losses are rising sharply, with police and the Bank Association flagging systemic concern in 2025.", "findings": [ { "finding": null, "instrument_type": "primary statute (CPA-1)", "source": "https://www.schoenherr.eu/content/slovenia-new-requirements-for-consumer-facing-industries", "source_url": "https://www.schoenherr.eu/content/slovenia-new-requirements-for-consumer-facing-industries", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "fraud trend data", "source": "https://english.news.cn/20251024/7cf0aa7fe574493bafe72018cd0e082f/c.html", "source_url": "https://english.news.cn/20251024/7cf0aa7fe574493bafe72018cd0e082f/c.html", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "sector response", "source": "https://english.news.cn/20251024/7cf0aa7fe574493bafe72018cd0e082f/c.html", "source_url": "https://english.news.cn/20251024/7cf0aa7fe574493bafe72018cd0e082f/c.html", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "dispute resolution / redress route", "source": "https://stripe.com/resources/more/payments-in-slovenia", "source_url": "https://english.news.cn/20251024/7cf0aa7fe574493bafe72018cd0e082f/c.html", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "alternative dispute resolution", "source": "https://www.zbs-giz.si/en/", "source_url": "https://english.news.cn/20251024/7cf0aa7fe574493bafe72018cd0e082f/c.html", "source_tier": "3", "retrieved_at": "2026-07-05" } ] }, { "code": "W11", "name": "AML/CFT & Financial Crime", "confidence": "High", "moved_this_cycle": true, "url": "https://payments.gi/jurisdictions/slovenia/#w11-aml-cft-financial-crime", "standing_position": "Sentinel.gi payments-context position: Slovenia's AML/CFT regime rests on the Prevention of Money Laundering and Terrorist Financing Act (ZPPDFT-2), enforced by the Ministry of Finance's Office for Money Laundering Prevention (OMLP) as central authority, with sectoral supervision split across Banka Slovenije, ATVP and the Insurance Supervision Agency. MONEYVAL's most recent evaluation found Slovenia Compliant/Largely Compliant on the great majority of FATF technical-compliance recommendations but flagged persistent effectiveness gaps, particularly on proactive ML investigation relative to predicate-crime risk.", "findings": [ { "finding": null, "instrument_type": "penalty framework", "source": "sentinel.ezine.eversheds-sutherland.com/global-aml-guide/slovenia", "source_url": null, "source_tier": "3", "retrieved_at": null }, { "finding": "Slovenia's AML/CFT regime rests on the Prevention of Money Laundering and Terrorist Financing Act (ZPPDFT-2), transposing EU AMLD, supervised by the FIU (UPPD, Ministry of Finance) and Banka Slovenije for banks. A free public beneficial-ownership register is maintained via AJPES. MONEYVAL rates Slovenia largely compliant technically (all Recommendations bar R.5 at LC/C) but the country remains in enhanced follow-up, with persistently low money-laundering conviction rates relative to predicate-crime investigations.", "instrument_type": "assessment", "source": "FIM (sentinel.gi) per-JID baseline profile — Slovenia", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: sourcing-thinness", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-004)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Sanctions: OFSI divergence", "instrument_type": "sanctions_change", "source": "FIM (sentinel.gi) sanctions_change_register (issue FIM-BASE-SANC-003)", "source_url": null, "source_tier": "1", "retrieved_at": null }, { "finding": "Gap: legal-gap", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-003)", "source_url": null, "source_tier": null, "retrieved_at": null }, { "finding": "Gap: enforcement-absence", "instrument_type": "gap", "source": "FIM (sentinel.gi) gaps_register_cumulative (issue FIM-BASE-GAP-001)", "source_url": null, "source_tier": null, "retrieved_at": null } ] }, { "code": "W12", "name": "Correspondent Banking, Settlement & Access", "confidence": "High", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w12-correspondent-banking-settlement-access", "standing_position": "As a euro-area member, Slovenia's settlement access runs through TARGET2-Slovenia (Banka Slovenije-operated RTGS component) for central-bank-money settlement, with the largest domestic banks (NLB, UniCredit Banka Slovenija, and others) offering correspondent banking services to regional and international counterparties; no material de-risking or correspondent-banking withdrawal event specific to Slovenia was identified in this collection pass.", "findings": [ { "finding": null, "instrument_type": "settlement access infrastructure", "source": "https://www.bsi.si/en/media/posts/launch-of-the-target2-payment-system", "source_url": "https://www.bsi.si/en/financial-stability/institutions-under-supervision/eea-states-credit-institutions-in-slovenia", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "correspondent banking service provision", "source": "https://thebanks.eu/banks/17702", "source_url": "https://www.bsi.si/en/financial-stability/institutions-under-supervision/eea-states-credit-institutions-in-slovenia", "source_tier": "4", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "cross-border credit institution access", "source": "https://www.bsi.si/en/financial-stability/institutions-under-supervision/eea-states-credit-institutions-in-slovenia", "source_url": "https://www.bsi.si/en/financial-stability/institutions-under-supervision/eea-states-credit-institutions-in-slovenia", "source_tier": "1", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "settlement identifier", "source": "https://www.remitly.com/us/en/swift-codes/slovenia/bsljsi2xxxx/banka-slovenije-bank-of-slovenia", "source_url": "https://www.bsi.si/en/financial-stability/institutions-under-supervision/eea-states-credit-institutions-in-slovenia", "source_tier": "4", "retrieved_at": "2026-07-05" } ] }, { "code": "W13", "name": "Commercial Intelligence & Fintech", "confidence": "Assessed", "moved_this_cycle": false, "url": "https://payments.gi/jurisdictions/slovenia/#w13-commercial-intelligence-fintech", "standing_position": "Trailing-12-month commercial activity in Slovenia's payments-adjacent space is dominated by continued banking-sector consolidation aftershocks (OTP/Nova KBM-SKB integration, NLB Lease&Go/Summit Leasing merger) and modest but present fintech seed-stage funding, led by DDD Invoices' e-invoicing compliance infrastructure round.", "findings": [ { "finding": null, "instrument_type": "commercial_event", "source": "https://fintech.global/2026/05/15/modest-week-in-fintech-with-677m-raised-in-14-deals/", "source_url": "https://fintech.global/2026/05/15/modest-week-in-fintech-with-677m-raised-in-14-deals/", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "commercial_event", "source": "https://en.wikipedia.org/wiki/NLB_Group", "source_url": "https://en.wikipedia.org/wiki/NLB_Group", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "commercial_event", "source": "https://practiceguides.chambers.com/practice-guides/acquisition-finance-2025/slovenia", "source_url": "https://en.wikipedia.org/wiki/NLB_Group", "source_tier": "3", "retrieved_at": "2026-07-05" }, { "finding": null, "instrument_type": "commercial_event", "source": "https://tracxn.com/d/geographies/slovenia/__MqqTYQpms3Zdt99rMUzg_BQVo4RReKLiz0lGA7oi82w", "source_url": "https://en.wikipedia.org/wiki/NLB_Group", "source_tier": "4", "retrieved_at": "2026-07-05" } ] } ] }