Finance & Insurance Licenses in Laos

The Bank of the Lao PDR and the Lao Securities Commission Office regulate most activities here.

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The government inventory lists 36 formalities for finance & insurance in Laos in this group. The Bank of the Lao PDR and the Lao Securities Commission Office regulate most activities here. Processing fees for some licenses are set as a percentage of capital, so listed amounts can understate the real cost. Each entry below shows the responsible authority, listed review time, listed fee and when the source was last updated.

All Listed Formalities

License or formality	Type	Authority	Listed time	Listed fee (kip)	Source updated
Deposit-Taking Microfinance Institution License	License	Non Bank Financial Institution Supervision Department	30 days	500,000	9 Jul 2020
License for Buying and Selling Cryptocurrency	License	Payment Systems Department	30 days	25,000,000	24 Apr 2024
License for Investment in Concession Business	Other	Investment Promotion Department	65 days	370,000	19 Jan 2018
License for Providing Payment Services	License	Payment Systems Department	30 days	2,000,000	4 Jan 2021
License to Conduct Securities Business	License	Lao Securities Commission Office	45 days	None listed	2 May 2024
License to Operate a Leasing Company	License	Non Bank Financial Institution Supervision Department	15 days	500,000	9 Jul 2020
Accounting and Auditing Firm License	License	Lao Securities Commission Office	45 days	See record	28 Aug 2017
Business License for Stock Deposit Center	License	Lao Securities Commission Office	45 days	None listed	3 May 2024
Certificate for Assets Valuation Company	Certificate	Lao Securities Commission Office	30 days	See record	27 Dec 2017
Certificate of Payment Services Business*	License	Payment Systems Department	30 days	2,000,000	30 Dec 2020
Credit and Savings Cooperative Operating License	License	Non Bank Financial Institution Supervision Department	30 days	500,000	13 Jul 2020
License for Operating a Credit Guarantee Company	License	Bank Supervision Department	30 days	30,000,000	24 Apr 2024
License for Operating a Debt and Asset Management Company	License	Bank Supervision Department	30 days	30,000,000	24 Apr 2024
License for Operating an Investment Fund Management Company	License	Lao Securities Commission Office	45 days	20,000,000	3 May 2024
License for Operation of Life Insurance Business (Temporarily Suspended)	License	Department of State-Owned Enterprise and Insurance Management	15 days	10,050,000	4 Jan 2018
License for Providing Subsystem Services	License	Payment Systems Department	45 days	2,000,000	4 Jan 2021
License to Conduct Securities Business as a Securities Company	License	Lao Securities Commission Office	45 days	20,000,000	2 May 2024
License to Establish a Custodian Bank	License	Lao Securities Commission Office	45 days	25,000,000	27 Dec 2017
License to establish an asset management company	License	Lao Securities Commission Office	30 days	10,000,000	30 Jul 2020
License to Establish Security Company	License	Lao Securities Commission Office	60 days	See record	26 Aug 2017
License to Establish the Insurance Agency (For individual)	License	Department of State-Owned Enterprise and Insurance Management	15 days	320,000	1 Nov 2017
License to Establish the Insurance Agency (For legal entity)*	License	Department of State-Owned Enterprise and Insurance Management	15 days	1,020,000	28 Jul 2020
License to Establish the Insurance Broker Company for Legal Entity	License	Department of State-Owned Enterprise and Insurance Management	15 days	2,050,000	6 Nov 2017
License to Operate a Banking Business	License	Non Bank Financial Institution Supervision Department	60 days	See record	19 Oct 2020
License to Operate a Currency Exchange Business	License	Monetary Policy Department	20 days	100,000	28 Dec 2017
License to Operate a Foreign Credit Rating Agency	License	Lao Securities Commission Office	30 days	20,000,000	27 Dec 2017
License to operate a Non Deposit-Taking Microfinance Institution Business	License	Non Bank Financial Institution Supervision Department	30 days	500,000	28 Dec 2017
License to Operate a Pawnshop Business	License	Non Bank Financial Institution Supervision Department	Not stated	500,000	20 Aug 2017
License to Operate Banking Business (For a branch of Foreign Commercial Bank)	License	Bank of Lao PDR	100 days	70,000,000	20 Oct 2020
License to Operate Non-Life Insurance Company (Temporarily Suspended)	License	Department of State-Owned Enterprise and Insurance Management	15 days	10,050,000	9 Jan 2018
Permit to Supply or Receive Offshore Trade Credit	Other	Monetary Policy Department	10 days	100,000	3 Aug 2020
Personal Fund Management Business Certificate	Certificate	Lao Securities Commission Office	15 days	3,000,000	3 May 2024
Professional Securities Broker Certificate: Executing Buying and Selling in Accordance with Investor Orders	Certificate	Lao Securities Commission Office	15 days	7,000,000	3 May 2024
Professional Securities Business Certificate: Financial Advisor Specialization with Focus on Organizational Structure Improvement, Administrative Management, and Financial Operations	Certificate	Lao Securities Commission Office	15 days	7,000,000	3 May 2024
Professional Securities Business Certificate: Securities Investment Advisor Specialization	Certificate	Lao Securities Commission Office	15 days	7,000,000	3 May 2024
Securities Business Professional Certificate – Securities Issuance Guarantee	Certificate	Lao Securities Commission Office	15 days	7,000,000	2 May 2024

*The source gives no sector for this record, or files it elsewhere. AQQOUNT placed it here using the responsible authority.

Bold entries link to our detailed guides. Other names open the original government record.

Before You Rely on This List

Listed fee: the total first-issue amount in kip on the record. “See record” means the amount varies or is calculated separately.
Listed time: days as stated on the record. Actual timing depends on complete documents and any other approvals.
Source updated: records are often several years old, so confirm current rules with the authority before you file.
Coverage: the inventory does not include every provincial or departmental formality.

Frequently Asked Questions

How many finance & insurance licenses are listed in Laos?

The government inventory lists 36 formalities in this group, including licenses, certificates, registrations and permits. Provincial formalities may be additional.

Do I still need to register a company for finance & insurance?

Generally, yes. Enterprise registration creates the business, and a sector license authorizes the regulated activity. Check each record for its specific sequence.

Are these fees and timelines current?

They are as published on the government inventory, and each entry shows when the source was updated. Some are several years old, so confirm them before budgeting.