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Florida money services business bonds.
From $125.
Florida licenses money services businesses through the Office of Financial Regulation under Chapter 560. Fla. Stat. § 560.209 requires a corporate surety bond, in an amount the Financial Services Commission sets by rule based on your volume and locations. The premium is 1% of the bond amount plus a $25 fee, $125 minimum.
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Three steps. One sitting.
Enter your amount, pay, and file with the Office of Financial Regulation. Here is the whole thing:
Apply online
Your business details, the bond amount the OFR requires, and the effective date — that is the entire application. Any credit screen is a soft pull that never shows as a hard inquiry.
Pay & e-sign
Pricing is a straight 1% of the bond amount plus a $25 fee ($125 minimum), so the bond issues the moment you pay — your executed bond and power of attorney generate on the spot.
File with the OFR
Submit the executed bond with your money services business license filing at the Office of Financial Regulation. Wet-ink original mailed on request.
What it is and who needs it.
What the bond actually guarantees
Chapter 560 of the Florida Statutes governs money services businesses — money transmitters, payment instrument sellers, and related licensees regulated by the Office of Financial Regulation. Section 560.209 requires a licensee to provide a corporate surety bond, issued by a company authorized to do business in Florida, in an amount the Financial Services Commission determines by rule — driven by factors like business projections, financial condition, annual transmission volume, and number of locations.
It's a three-party arrangement: you (the principal), the surety carrier, and the obligee. The bond is conditioned on your conformance with Chapter 560 — the licensing, recordkeeping, and conduct rules that protect the people whose money moves through your business. The state files it on its own form, OFR-560-06.
It is not insurance for you — if the surety pays a claim, you repay the surety. The bond has to stay continuously on file for as long as you hold the license, and the OFR can require a higher amount as your volume grows; we track the term and send renewal notices 60 and 30 days out.
You need this bond if you're
One application, issued instantly.
These are the actual issuing fields — business details, your bond amount, an effective date, and a term. That is the entire application.
Start the application →Common questions.
Other Florida bonds.
Money services bond, issued today.
1% of the bond amount plus a $25 fee, $125 minimum, issued the moment you pay. Free until issued.