Fintech regulation tracker
Laws, Central Bank circulars, decrees and bills that shape fintech in Tunisia, with their current status and links to the source text or report.
- 2026
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Adopted, not yet in forceBCT circular · BCT
Payment institutions: licensing, governance, remote onboarding, cybersecurity and account caps
Circular No. 2026-10
Replaces Circular 2018-16 as the operating rulebook for payment institutions. Keeps the three account levels capped at TND 1,500, 5,000 and 20,000, dinar-only and domestic-only activity, and distribution (not issuance) of e-money. Adds a board audit and risk committee, independent control functions, client-fund segregation at a bank, prior BCT approval of partnerships, remote onboarding with liveness checks and two-factor authentication, annual ANCS-certified security audits and immediate incident reporting.
Published 25 Sept 2026; corrected version posted 28 Sept. Enters into force three months after publication, i.e. late December 2026.
Read our analysis:Payment Institutions in Tunisia: Licensing and the 2026 Rulese-KYC and AML in Tunisia: Remote Onboarding RulesCybersecurity in Tunisia's Financial Sector: The New RulesSource: La Presse de Tunisie -
In forceBCT circular · BCT
School registration fees for 2026-2027 payable only through digital channels
Circular note No. 2026-202
Note addressed to banks, the Office National des Postes and payment institutions stating that school registration fees for 2026-2027 are to be paid exclusively through digital channels: mobile wallets and bank or postal payment cards. It is a state nudge that pushes first-time users, including La Poste customers, towards wallets and cards, and gives payment institutions a mass-market use case.
Applies to the 2026-2027 school-year registration, as reported by the press; full text not reviewed.
Read our analysis:Mobile Payments in Tunisia: The Wallet Landscape in 2026La Poste Tunisienne's e-Dinar and D17 ExplainedTunisia's Cash Economy: Record Banknotes, Fading ChequesSource: THD -
AnnouncedStrategy · CGA
Insurance sector strategy 2026-2030, including an Insurance Code revision
Insurance sector strategy 2026-2030
Roadmap from the insurance supervisor (Comité général des assurances) for 2026-2030. It plans to revise the Insurance Code, strengthen life insurance and complementary pension products, widen the list of entities allowed to distribute insurance to include the stock exchange and financial institutions, create a natural-disaster insurance regime and pursue digital transformation. Wider distribution rules could open channels for insurtechs and embedded insurance.
Presented by the CGA in July 2026. The Insurance Code revision it plans had not been tabled as of October 2026, as far as we found.
Read our analysis:Insurtech in Tunisia: A Growing Market Slow to Go DigitalSource: La Presse via allAfrica -
In forceBCT circular · BCT
TUNPAY: single national label for mobile payment
Note No. 2026-132
Creates TUNPAY, a common label for mobile payment designed with the Société Monétique Tunisie, which runs the national mobile switch. Wallet issuers (banks, La Poste and payment institutions) are asked to display it in their apps, and merchants and agents at points of acceptance. It does not set fees. Its practical impact for fintechs depends on how access to the SMT switch is organised.
Issued 5 May 2026. A branding and trust standard, not a technical interoperability rule; SMT access terms for independent fintechs remain to be clarified.
Read our analysis:Mobile Payments in Tunisia: The Wallet Landscape in 2026Instant Payments in Tunisia: Switching and InteroperabilityOpen Banking in Tunisia: Where Things Stand in 2026Source: Business News -
AnnouncedBill · Government
Startup Act 2.0: planned revision of the startup framework, focused on access to finance
Startup Act 2.0 (draft law)
Minister Sofiene Hemissi said his ministry is preparing a new law, the Startup Act 2.0, to build on Law 2018-20 and update the legal framework for the digital ecosystem, with access to finance as the main focus. Founders have raised complex procedures, poor coordination between agencies and capital requirements ill-suited to fintechs. Until a text is published, the 2018 law continues to apply.
Announced by the Minister of Communication Technologies on 17 April 2026 as a bill in preparation with several ministries. No draft or timetable published as of October 2026.
Read our analysis:Tunisia's Startup Act Explained: What Fintech Founders GetHow to Raise Funding as a Tunisian Fintech: A 2026 GuideSource: La Presse via allAfrica - 2025
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In forceLaw · Parliament
2026 Finance Law: resident foreign-currency accounts and repeal of the TND 5,000 cash rule
Law No. 2025-17 (Finance Law 2026)
An amendment adopted on 2 December 2025 (69 votes to 17) lets residents open foreign-currency or convertible-dinar accounts at authorised banks without prior BCT approval; accounts cannot be overdrawn. Article 54 repeals, from 1 January 2026, the 2019 rule that penalised cash settlement above TND 5,000 for sales of property, businesses and vehicles. Practical use of the FX accounts depends on BCT implementing rules.
In force since 1 January 2026. Mid-2026 reports said the BCT implementing circulars for resident FX accounts had not yet been issued; we could not confirm whether they have since.
Read our analysis:Tunisia's FX Code Reform: Where It Stands for StartupsTunisia's Cash Economy: Record Banknotes, Fading ChequesNear-Zero Equity Deals: Tunisia's Startup Drought in H1 2026Source: Managers -
In parliamentBill · Parliament
New Foreign Exchange Code bill (MPs' proposal)
Proposed law on the Foreign Exchange Code (91 articles)
Filed by MP Maher Ktari with about 45 co-sponsors to replace the 1976 FX law. It redefines residence, allows resident foreign-currency accounts and accounts for platform income aimed at freelancers, eases investment abroad, and covers digital assets and remote payments. The committee text adds an approved exchange operator status open to eligible startups, declaration and repatriation of foreign and crypto assets above a threshold, and prison terms of up to three years.
In the Finance Committee. Vote postponed pending BCT input; in July 2026 the Finance Ministry proposed delaying to early 2027 and the committee planned to resume in October 2026. No committee or plenary vote found as of 10 Oct 2026.
Read our analysis:Tunisia's FX Code Reform: Where It Stands for StartupsCrypto Regulation in Tunisia: Is Bitcoin Legal in 2026?Stablecoins in Africa: Adoption, Rules and TunisiaSource: Tunisie Numérique -
Status unclearBill · Parliament
Legal framework for distance insurance, allowing telecom operators as intermediaries
Draft law on distance insurance services
According to the insurance supervisor, a legal framework for distance insurance services was before Parliament in October 2025. It would allow telecom operators to act as insurance intermediaries, a potential channel for micro-insurance and mobile-first products. For insurtechs, adoption would make embedded and app-based distribution easier to scale, alongside the Insurance Code revision planned in the 2026-2030 strategy.
In October 2025 the CGA said the text was before Parliament. We found no report of adoption or of its parliamentary reference, so its status is unclear.
Read our analysis:Insurtech in Tunisia: A Growing Market Slow to Go DigitalSource: La Presse de Tunisie -
Status unclearOther · CGA
Assurance Auto 2.0: single digital QR-code motor insurance card
Assurance Auto 2.0 project
Project announced by the CGA president, steered by the Presidency of the Government with several ministries and the insurers' federation FTUSA. It would replace paper motor insurance documents with a single QR-code card accessible on a smartphone and centralise vehicle data to reduce fraud. Motor is the largest insurance line, so digital proof of cover could support claims and distribution tools built by insurtechs.
Announced in October 2025 as imminent, steered by the Presidency of the Government. We could not confirm whether it has gone live.
Read our analysis:Insurtech in Tunisia: A Growing Market Slow to Go DigitalSource: La Presse via allAfrica -
In parliamentBill · Parliament
Personal data protection bill to replace Organic Law 2004-63
Draft organic law on personal data protection (132 articles)
A 132-article text in six chapters that would repeal the 2004 law. It creates an independent authority with financial autonomy, raises fines for serious breaches to up to TND 200,000, introduces impact assessments for high-risk processing and a right not to be subject to solely automated decisions, adds articles on AI and rewrites rules on transfers abroad. Fintechs using biometrics, credit scoring or foreign cloud hosting would be directly affected.
Filed by 17 MPs in July 2025. Rights and Freedoms Committee hearings in February 2026; on 20 May 2026 it discussed hearing more experts. No vote found as of October 2026.
Read our analysis:Data Protection in Tunisia: What Fintechs Must KnowAI in Tunisian Banking: Real Uses, Rules and GapsOpen Banking in Tunisia: Where Things Stand in 2026Source: Business News -
In forceLaw · Parliament
Employment contracts: open-ended contract as default and ban on labour subcontracting
Law No. 2025-9 of 21 May 2025
Makes the open-ended contract (CDI) the default; fixed-term contracts are allowed only for temporary activity increases, replacements and seasonal work, otherwise they convert to CDIs. Probation is capped at six months, renewable once. Labour subcontracting is banned; service contracts are lawful only for specialised work outside the client's core activity and not under its control. Fines reach TND 10,000, doubled for companies. Startups using rolling CDDs or embedded outsourced developers are exposed.
Published in JORT No. 61 on 23 May 2025. Employers had three months to regularise contracts.
Read our analysis:Tunisia's 2025 Labour Law Reform: What It Means for StartupsTunisia's Tech Brain Drain: What It Means for FintechSource: WMC (Webmanagercenter) -
In forceBCT circular · BCT
Banks: minimum requirements for electronic customer onboarding (e-KYC)
Circular No. 2025-06
Six chapters and 18 articles allowing banks to onboard customers remotely through an automated or semi-automated process, provided identity assurance is at least equivalent to an in-person check under Circular 2017-08. Banks must apply risk-based due diligence, may use facial recognition and biometrics, must keep false-acceptance rates low, encrypt KYC files, test technology before deployment and keep a performance register. It underpins bank-fintech digital onboarding partnerships.
Published 28 February 2025; applies to banks.
Read our analysis:e-KYC and AML in Tunisia: Remote Onboarding RulesDigital Banking in Tunisia: Where Banks Stand in 2026Neobanks in Tunisia: Why None Exists Yet, and What Would ChangeSource: Managers -
Status unclearStrategy · Government
National AI strategy
National artificial intelligence strategy
Tunisia has no AI law or sector rulebook for AI in finance. The national AI strategy, described in February 2025 as in its final drafting phase, is the main policy document expected to frame AI use. For banks and fintechs deploying chatbots, credit scoring or fraud detection, the binding constraints today remain the 2004 data protection law and BCT rules on e-KYC and outsourcing.
In February 2025 the Ministry of Communication Technologies said it was in final drafting with an operational plan to follow. Formal adoption not confirmed as of October 2026.
Read our analysis:AI in Tunisian Banking: Real Uses, Rules and GapsData Protection in Tunisia: What Fintechs Must KnowSource: L'Economiste Maghrébin - 2024
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In forceCMF regulation · CMF
Equity crowdfunding: platform approval and operating rules
CMF regulation of 11 November 2024 on securities crowdfunding
Completes Law 2020-37 and Decree 2022-765 for the securities track. Platforms need CMF approval, TND 100,000 paid-up capital, a business plan, AML/CFT controls, IT security, insurance and a data protection authorisation; the CEO must reside in Tunisia. Issuers publish a short information note on a CMF template instead of a prospectus, and canvassing outside the platform is banned. Stockbrokers and fund managers may operate platforms on prior declaration.
Announced by the CMF as published in the Official Journal; completes the equity crowdfunding framework.
Read our analysis:Crowdfunding Law in Tunisia: How the CMF Framework WorksHow to Raise Funding as a Tunisian Fintech: A 2026 GuideSource: Conseil du marché financier -
In forceLaw · Parliament
Cheque reform: real-time verification, chequebook limits and TuniChèque
Law No. 2024-41 of 2 August 2024
Reforms the cheque regime to restore the cheque as an immediate means of payment rather than informal credit. It introduces a new cheque format, limits on chequebooks and the TuniChèque platform, which lets a payee check fund availability in real time. In 2025 the number of cheques fell 67.5%, bills of exchange rose and part of the activity moved to transfers and cash, leaving a gap for digital instalment products.
Main provisions in force since 2 February 2025.
Read our analysis:Tunisia's Cash Economy: Record Banknotes, Fading ChequesDigital Banking in Tunisia: Where Banks Stand in 2026Instant Payments in Tunisia: Switching and InteroperabilitySource: WMC (Webmanagercenter) -
Status unclearBill · Government
Government draft FX code, including authorisation of crypto-asset transactions
Government draft Foreign Exchange Code (ministerial council, March 2024)
Draft prepared with the Ministry of Finance and the BCT, aiming at a unified FX framework, progressive liberalisation and digitised external payments. Announced measures included a revised definition of residence, an approved exchange operator status open to companies including startups, revised penalties and authorisation for residents to hold and trade crypto-assets subject to prior BCT authorisation and a threshold to be set by regulation.
Adopted by a ministerial council in March 2024 but never put to a vote; the government did not submit a bill by January 2026 as promised. Overtaken in practice by the MPs' 2025 bill.
Read our analysis:Tunisia's FX Code Reform: Where It Stands for StartupsCrypto Regulation in Tunisia: Is Bitcoin Legal in 2026?Source: Présidence du gouvernement -
Status unclearBCT circular · BCT
Temporary reduction of bank fees for low-income customers
Circular No. 2024-03
Requires banks to lower six commissions, including account maintenance, card subscription, outgoing transfers and card-terminal payments, for customers with net monthly income of TND 1,500 or less, for one year. Press reports put the capped account fee at TND 36 a year, down from TND 68. It targets cost as a barrier to account ownership and benchmarks the pricing fintech wallets compete with.
Exceptional one-year measure; banks could not raise tariffs until 31 December 2024 and had to adopt a compliant pricing policy. Whether any element was extended is not confirmed.
Read our analysis:Financial Inclusion in Tunisia: What the Findex Data SaysWomen's Financial Inclusion in Tunisia: A Widening GapSource: Managers - 2023
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In forceBCT circular · BCT
Loan-based crowdfunding: application file for platform approval
Circular No. 2023-06
Lists the documents a company must file with the BCT Governor to obtain approval as a loan-based crowdfunding platform, under Law 2020-37 and Decree 2022-766. It operationalises the lending track of the crowdfunding law, which requires a Tunisian public limited company dedicated to a single crowdfunding category. Fintechs considering peer-to-business lending must go through this BCT approval.
Issued November 2023. No publicly reported approved lending platform as of October 2026.
Read our analysis:Crowdfunding Law in Tunisia: How the CMF Framework WorksSource: Webdo -
In forceDecree-law · Presidency
Cybersecurity: creation and missions of the National Cybersecurity Agency (ANCS)
Decree-law No. 2023-17 of 11 March 2023
National cybersecurity framework. It creates the ANCS, replacing the former national computer security agency (ANSI), under the ministry for communication technologies, and gives it oversight of information system security in public and private bodies, standards, incident response and the accreditation of security auditors. BCT Circular 2026-10 relies on it: payment institutions need ANCS-certified audits and must report attacks to the ANCS.
Entered into force on 11 September 2023.
Read our analysis:Cybersecurity in Tunisia's Financial Sector: The New RulesPayment Institutions in Tunisia: Licensing and the 2026 RulesSource: African Manager -
AnnouncedOther · BCT
Sandbox Express: fast-track testing for banks' digital solutions
BCT Sandbox Express
A second sandbox track reserved for licensed Tunisian banks, meant to give them a faster route to market for digital solutions while letting the BCT check their robustness, including from an open banking perspective. Unlike the 2020 fintech sandbox, participants already hold a licence and capital. Fintechs can benefit indirectly by partnering with a bank that tests a joint product through this track.
Announced by the BCT governor in February 2023. No published eligibility criteria or launch date found.
Read our analysis:The BCT Regulatory Sandbox: How Tunisia Tests FintechOpen Banking in Tunisia: Where Things Stand in 2026Source: Managers - 2022
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In forceDecree · Government
Securities crowdfunding: limits for projects and contributors
Decree No. 2022-765 of 19 October 2022
Implements the securities track of Law 2020-37. A project may raise at most TND 1 million on a platform and each contributor may invest at most TND 10,000 per project. Companies listed on the stock exchange or that have made a CMF-approved public offer are excluded. Contributors can be residents or non-residents, including the diaspora, and funds sit in a ring-fenced account at a bank or La Poste.
In force; completed by the CMF regulation of 11 November 2024.
Read our analysis:Crowdfunding Law in Tunisia: How the CMF Framework WorksHow to Raise Funding as a Tunisian Fintech: A 2026 GuideSource: RegAlert -
In forceDecree · Government
Loan-based crowdfunding: conditions for platforms
Decree No. 2022-766
Sets the conditions applicable to loan-based crowdfunding under Law 2020-37, the track supervised by the Governor of the Central Bank of Tunisia. Together with BCT Circular 2023-06, it defines how a platform obtains approval to intermediate loans from the public to projects carried out in Tunisia. As of October 2026 no approved lending platform had been publicly reported.
Issued in October 2022 alongside Decree 2022-765; operational detail added by BCT Circular 2023-06.
Read our analysis:Crowdfunding Law in Tunisia: How the CMF Framework WorksSource: Webdo - 2020
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In forceLaw · Parliament
Crowdfunding law: equity, loans and donations
Law No. 2020-37 of 6 August 2020
Defines crowdfunding as raising money from the public through an online platform for a project carried out in Tunisia, in three categories: securities (approved by the CMF), loans (approved by the BCT Governor) and donations (supervised by the ACM). Operators must be Tunisian public limited companies running only one category, and a project cannot be listed on two platforms of the same category at once.
In force; implementing texts issued 2022-2024. First reported approval: donation platform CnBees, licensed by the ACM in December 2025.
Read our analysis:Crowdfunding Law in Tunisia: How the CMF Framework WorksHow to Raise Funding as a Tunisian Fintech: A 2026 GuideIslamic Fintech in Tunisia: Zitouna, Al Baraka and WifakSource: RegAlert -
In forceOther · BCT
BCT regulatory sandbox for fintech
BCT fintech regulatory sandbox
Supervised test environment, launched with World Bank support, letting fintechs try innovative services with volunteer customers before holding a licence. The first cohort tested remote identification, cross-border clearing, crypto-assets and central bank digital currency over nine months. It came with a BCT-Fintech committee. It is not a licence: commercial activity still requires authorisation under Law 2016-48 and compliance with Circular 2026-10.
Announced by communiqué on 11 Dec 2019, launched 21 Jan 2020; first cohort of four selected in late 2020/January 2021. No published outcomes or later cohort calls found.
Read our analysis:The BCT Regulatory Sandbox: How Tunisia Tests FintechCrypto Regulation in Tunisia: Is Bitcoin Legal in 2026?Open Banking in Tunisia: Where Things Stand in 2026Source: Webmanagercenter - 2019
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In forceBCT circular · BCT
International technology card for resident companies and labelled startups
Circular No. 2019-02
Creates an international technology card for online payments abroad. Resident companies can obtain an annual allowance of up to TND 10,000, while companies holding the Startup Label can obtain up to TND 100,000 a year. It lets startups pay for foreign SaaS, cloud hosting and advertising without case-by-case FX authorisation, but does not change the 1976 foreign exchange law.
Issued January 2019 under the Startup Act framework; no repeal reported.
Read our analysis:Tunisia's FX Code Reform: Where It Stands for StartupsTunisia's Startup Act Explained: What Fintech Founders GetSource: Webmanagercenter -
In forceBCT circular · BCT
Startup foreign-currency account
Circular No. 2019-01
Sets the rules for the special foreign-currency account available to labelled startups. It can be credited with export proceeds and equity or convertible bonds from non-residents, and used to pay foreign suppliers, cover staff travel and invest in companies abroad. It has long been the most practical FX tool for Tunisian startups, but only for holders of the Startup Label.
Issued January 2019 under article 17 of the Startup Act; no repeal reported.
Read our analysis:Tunisia's FX Code Reform: Where It Stands for StartupsTunisia's Startup Act Explained: What Fintech Founders GetSource: Webmanagercenter - 2018
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ReplacedBCT circular · BCT
Payment institutions: operating rules and tiered payment accounts (2018 framework)
Circular No. 2018-16 of 31 December 2018
First operating rulebook for payment institutions created by Law 2016-48. It introduced tiered payment accounts with balance caps of TND 1,500, 5,000 and 20,000, and required an annual IT security audit sent to the BCT, a tested business continuity plan and management of operational and cyber risk. It enabled the first licensed non-bank wallets and remained the reference until 2026.
Replaced by Circular 2026-10 (published 25 Sept 2026); continues to apply until the new circular takes effect in late December 2026.
Read our analysis:Payment Institutions in Tunisia: Licensing and the 2026 RulesCybersecurity in Tunisia's Financial Sector: The New RulesNeobanks in Tunisia: Why None Exists Yet, and What Would ChangeSource: Ilboursa -
In forceLaw · Parliament
Startup Act: Startup Label and incentives for founders, startups and investors
Law No. 2018-20 of 17 April 2018
Creates the Startup Label for companies under eight years old, with fewer than 100 staff and turnover or balance sheet below TND 15 million. Benefits include founder leave and a one-year grant, corporate tax exemption and state-paid social contributions during the label, a foreign-currency account, patent support and investor tax incentives. The label is not a financial licence: payment or lending activity still needs BCT approval.
In force, implemented by Decree 2018-840; 1,352 labelled startups by July 2026. A Startup Act 2.0 is in preparation.
Read our analysis:Tunisia's Startup Act Explained: What Fintech Founders GetHow to Raise Funding as a Tunisian Fintech: A 2026 GuideTunisia's FX Code Reform: Where It Stands for StartupsSource: CMF (texte de la loi) - 2017
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In forceBCT circular · BCT
Customer identification and AML/CFT due diligence
Circular No. 2017-08
BCT circular setting customer identification and due diligence rules for supervised institutions under the AML/CFT law. It remains the benchmark for verifying identity: Circular 2025-06 for banks and Circular 2026-10 for payment institutions allow remote onboarding only if the level of assurance is at least equivalent to the in-person checks it requires. Every fintech onboarding flow is measured against it.
Still the reference for identity verification; e-KYC circulars require remote checks at least equivalent to it.
Read our analysis:e-KYC and AML in Tunisia: Remote Onboarding RulesDigital Banking in Tunisia: Where Banks Stand in 2026Source: Managers - 2016
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In forceLaw · Parliament
Banks and financial institutions law, including payment institutions and Islamic banking
Law No. 2016-48 of 11 July 2016
Core banking law. It sets two-stage bank licensing by a committee chaired by the BCT governor, doubles minimum bank capital to TND 50 million, allows à la carte licences, creates a deposit guarantee fund, provides the first framework for Islamic banking and windows, and creates payment institutions (article 10 on services, article 20 on authorisation). There is no separate digital-bank licence, so neobanks need a full licence or the payment institution route.
In force; legal basis for bank and payment institution licences.
Read our analysis:Payment Institutions in Tunisia: Licensing and the 2026 RulesNeobanks in Tunisia: Why None Exists Yet, and What Would ChangeIslamic Fintech in Tunisia: Zitouna, Al Baraka and WifakSource: Oxford Business Group - 2015
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In forceLaw · Parliament
Anti-money laundering and counter-terrorist financing law
Organic Law No. 2015-26 of 7 August 2015, amended by Organic Law No. 2019-9 of 23 January 2019
Requires banks, payment institutions, brokers and other obliged entities to identify customers, monitor transactions and report suspicions to the CTAF, Tunisia's financial intelligence unit, via the goAML platform since 2021. Payment institutions' suspicious transaction reports rose from 4 in 2023 to 119 in 2024. With a MENAFATF evaluation underway, supervisors expect fintechs to run real transaction monitoring, not just onboarding checks.
In force as amended in 2019. Tunisia faces a MENAFATF mutual evaluation in 2025-2026.
Read our analysis:e-KYC and AML in Tunisia: Remote Onboarding RulesPayment Institutions in Tunisia: Licensing and the 2026 RulesCrypto Regulation in Tunisia: Is Bitcoin Legal in 2026?Source: FATF - 2011
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In forceDecree-law · Presidency
Microfinance institutions and creation of the ACM supervisor
Decree-Law No. 2011-117 of 5 November 2011
Organises microfinance through two families of lenders: licensed microfinance companies set up as public limited companies, and microfinance associations. It creates the Autorité de Contrôle de la Microfinance (ACM), an independent supervisor that licenses institutions and publishes sector data. The ACM also supervises donation-based crowdfunding. Fintechs building lending or credit-scoring tools for microfinance work within this framework.
In force; since late 2025 the ACM sets the reference rates used to judge excessive microcredit pricing.
Read our analysis:Microfinance in Tunisia: Enda Tamweel, Taysir and the ACMFinancial Inclusion in Tunisia: What the Findex Data SaysCrowdfunding Law in Tunisia: How the CMF Framework WorksSource: L'Economiste Maghrébin - 2004
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In forceLaw · Parliament
Personal data protection law
Organic Law No. 2004-63 of 27 July 2004
Governs personal data processing, supervised by the INPDP. Most processing must be declared in advance; some needs prior authorisation. Transfers abroad require INPDP authorisation and an adequate destination, and unauthorised transfers carry one year in prison and a TND 5,000 fine. Disclosure to third parties needs express written consent. Fintechs hosting data on foreign cloud services or using biometrics are directly concerned.
In force, with Decrees 2007-3003 and 2007-3004. The INPDP has reportedly not operated since 2024; a replacement bill is in Parliament.
Read our analysis:Data Protection in Tunisia: What Fintechs Must Knowe-KYC and AML in Tunisia: Remote Onboarding RulesOpen Banking in Tunisia: Where Things Stand in 2026Source: Boussayen Knani & Associés - 1976
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In forceLaw · Parliament
Foreign Exchange and Foreign Trade Code
Law No. 76-18 of 21 January 1976
Tunisia's foreign exchange regime, built on prior BCT authorisation for many operations involving foreign currency or assets held abroad. For startups it complicates paying for foreign SaaS and cloud, receiving foreign revenue and opening subsidiaries abroad. It is also the main legal constraint on crypto: buying or holding crypto abroad can amount to an FX offence, as there is no dedicated crypto law.
In force, updated once in 1993 and supplemented by BCT circulars and the 2026 Finance Law. Replacement bill in committee.
Read our analysis:Tunisia's FX Code Reform: Where It Stands for StartupsCrypto Regulation in Tunisia: Is Bitcoin Legal in 2026?Diaspora Remittances to Tunisia: Volumes, Costs, Digital ChannelsSource: La Presse de Tunisie
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This tracker is for information only and is not legal advice. Check the Official Journal (JORT) and the issuing authority for authoritative texts.