Národná banka Slovenska

Národná banka Slovenska is Slovakia's central bank and, since 2006, its integrated financial-market supervisor — banking within the euro area's Single Supervisory Mechanism, plus capital markets, insurance, pensions, payments and, since 2025, crypto-assets under MiCA. It runs a hands-on supervisory programme for its size: 36 on-site inspections and 347 final supervisory decisions in 2025, including the authority's first use of mystery-shopping supervision in financial intermediation. Slovakia's transitional regime for legacy virtual-asset providers ended on 30 December 2025, and NBS assesses CASP applications substantively — a virtual office without local staff does not pass its substance test. Everything below is NBS's own data, from its Annual Report 2025.

NBS is an integrated central bank. The staff figure covers the whole institution, including monetary policy, currency and reserve management functions alongside supervision, and is not directly comparable with standalone supervisory authorities.

Figures as published by Národná banka Slovenska for FY2025. Source: NBS Annual Report 2025 (Approved by the NBS Bank Board on 22 June 2026). Data as of 31 December 2025. Supplementary: NBS supervisory and licensing guidance (nbs.sk).

Full board

Financial-market supervision is principally divided between two divisions. Supervision and Financial Stability covers banking supervision, capital-market supervision and financial stability. Supervision and Financial Consumer Protection covers insurance and pension-fund supervision, financial consumer protection, resolution, and the Financial Technology and Innovations Department — which houses dedicated sections for payment-services proceedings and policy, payment-services supervision, crypto-assets and innovation, and supervision technology support.

The Slovak transition for providers operating under the legacy virtual-asset trade-licence regime ended on 30 December 2025. Since then, crypto-asset services may generally be provided in Slovakia only under a MiCA authorisation from NBS or another EU competent authority, or by an eligible financial institution under the MiCA notification regime. NBS issued its first CASP authorisations in December 2025 and introduced Decree No. 3/2025 on regulatory reporting by crypto-asset service providers. NBS does not operate a simplified licensing procedure — applications are assessed substantively, including the applicant's genuine connection to Slovakia and the risk of a letter-box structure: published guidance identifies physical premises, locally performed key functions and strategic decision-making, and local availability of documentation among the relevant considerations, and a virtual office or P.O. box without permanent staff is insufficient.

NBS has been Slovakia's financial-consumer-protection supervisor since 2015. In 2025 it handled 2,129 consumer submissions concerning financial-market participants, assessed 23% as justified, and reported €550,000 of redress paid to consumers. Supervision comprised 19 planned and 38 unplanned activities, with lending and the treatment of borrowers in arrears among the year's priorities — and included NBS's first use of mystery-shopping supervision in financial intermediation.