Arkansas money transmitter bonds.
From $500.
Arkansas licenses money transmitters under the Uniform Money Services Act, and A.C.A. § 23-55-204 makes a surety bond a condition of the license: $50,000 plus $10,000 for each Arkansas location, capped at $300,000, filed through NMLS. The premium is 1% of the bond amount, $500 at the $50,000 minimum.
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How much does an Arkansas money transmitter bond cost?
1% of the bond amount, from $500 at the $50,000 minimum. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
NMLS surety bonds are among the most standardized filings in financial licensing. Here is the entire process:
Apply online
Business details, your required bond amount, an effective date, and a term. That is the application. No credit check up to $25,000.
Pay & e-sign
This bond is checkout-priced at 1% of the bond amount ($500 at the $50,000 minimum), so it issues the moment you pay — your executed bond and power of attorney generate on the spot.
File through NMLS
Your executed bond is ready to associate with your Arkansas license record via NMLS electronic surety bond, where the Securities Department reviews it. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Arkansas regulates money transmission — selling payment instruments, transmitting funds, and similar money services — through the Arkansas Securities Department under the Uniform Money Services Act, A.C.A. § 23-55-101 et seq. Section 23-55-204 requires a license applicant to post a surety bond of $50,000 plus $10,000 for each Arkansas location, up to a $300,000 cap — and the Securities Commissioner can require more, up to $1,000,000, if a licensee's financial condition warrants it.
It's a three-party arrangement: you (the principal), the surety carrier, and the state (the obligee). The bond stands behind your compliance with the Act and your obligations to the people whose money you move — a customer harmed by a violation or a failed transmission can be compensated from the bond.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond accompanies both the initial application and every renewal, so it has to stay continuously on file; we track the term and send renewal notices 60 and 30 days out, and if you add locations we issue the higher amount.
You need this bond if you're
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File through NMLS. Your executed bond is ready to associate with your Arkansas license record via NMLS electronic surety bond, where the Securities Department reviews it. Wet-ink original mailed on request.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the application.
Start the application →Common questions.
Other Arkansas bonds.
The same bond in nearby states.
Price and requirements checked on the carrier’s application, . Page updated .
Finish your money transmitter license today.
1% of the bond amount, $500 at the $50,000 minimum, issued the moment you pay. Free until issued.