Expert legal assistance for Panama banking, fiduciary, securities and insurance licenses. We know the regulatory process from the inside.
Panama's financial regulatory framework is one of Latin America's most sophisticated. Banking, fiduciary and securities licenses require deep regulatory knowledge and precise application management.
Our founding attorney's background as a former DGI official gives us unique insight into Panama's regulatory processes. We manage license applications from pre-filing through approval.
Deep insight into Panama's tax authority processes.
Master in Public Administration — law, economics and policy.
You always deal directly with the attorney handling your case.
Licensed attorney in the Republic of Panama.
"Financial license applications in Panama are won or lost in the preparation phase. We've seen how regulators think — and we structure applications accordingly."
— Lic. José Manuel Góndola Escudero · Idoneidad No. 17,005Unrestricted banking license for Panama-based and international operations.
Panama banking license for transactions exclusively outside Panama.
SBP-regulated license for trust, estate and fiduciary services in Panama.
SMV-regulated license for investment advisory and securities activities.
ASEP-regulated license for insurance and reinsurance operations in Panama.
Regulatory guidance for fintech and payment service providers in Panama.
We assess eligibility, capital requirements, structure and regulatory readiness.
Complete application package: business plan, AML framework, governance structure, KYC documentation.
Filing with SBP, SMV or ASEP with full legal representation.
Regulatory engagement through to license issuance and operational setup.
Guiding a foreign bank through the complete SBP general banking license process.
Obtaining SBP fiduciary license for a Panama-based family office trust operation.
Advising on emerging payment service provider regulatory framework in Panama.
General banking license requires US$10 million paid-in capital. International banking license requires US$3 million.
Typically 12–18 months from submission to approval, depending on application completeness and regulatory workload.
A general license allows unrestricted banking in and outside Panama. An international license restricts operations to transactions outside Panama.
A comprehensive AML/CFT program including policies, procedures, compliance officer, training and monitoring system is required before license approval.
Yes. Foreign banks and their subsidiaries regularly apply for Panama banking licenses. We have experience with international applications.
Confidential consultation. We assess your eligibility and provide a complete roadmap.