NICE Class 36 is the financial services class — it covers banking, monetary and financial services, payments and remittance, insurance, and real-estate services. It is hugely important in Nepal, where remittance, banking, microfinance and digital wallets are central to the economy. You register a Class 36 trademark with the Department of Industry, and it protects your service brand — with a key line: the wallet app is Class 9, but the payment service it provides is Class 36.
Key Takeaways
- Class 36 is a services class — banking, payments, remittance, lending, insurance and real-estate services.
- A fintech app is Class 9 (the software) plus Class 36 (the payment/financial service).
- It includes fund transfers, e-wallet and even cryptocurrency-transfer services, insurance and property services.
- It excludes bookkeeping and auditing (Class 35), ATM cash replenishment and freight brokerage (Class 39).
- Nepal's banks, remittance companies, microfinance, insurers and digital-wallet brands file in Class 36.
- Register with the Department of Industry for a renewable 7-year term.
What does Trademark Class 36 cover?
Class 36 covers financial, monetary and banking services; insurance services; and real-estate services. The unifying idea is services dealing with money, risk and property — running accounts, processing payments and transfers, lending and credit, foreign exchange and remittance, insurance underwriting and brokerage, financial appraisal and valuation, crowdfunding, and real-estate agency and management. Modern additions include e-wallet payment services and cryptocurrency transfers.
Full list of services in Class 36
Below is the complete alphabetical list of Class 36 services indications from the WIPO NICE Classification (13-2026 edition) — 111 entries in total. Use it to find the exact wording for your specification when you file in Nepal:
- Accident insurance underwriting
- Accommodation bureau services [apartments]
- Actuarial services
- Administration of financial affairs
- Administration of insurance plans
- Antique appraisal
- Apartment house management
- Arranging finance for construction projects
- Art appraisal
- Bail-bonding
- Banking
- Brokerage of carbon credits
- Brokerage*
- Business brokerage
- Business liquidation services, financial
- Capital investment
- Car broker services
- Charitable fund raising
- Cheque verification / check verification
- Credit bureau services
- Crowdfunding
- Debt advisory services
- Debt collection agency services
- Deposits of valuables
- E-wallet payment services
- Electronic funds transfer
- Electronic funds transfer provided via blockchain technology
- Electronic transfer of cryptocurrency
- Exchanging money
- Factoring
- Financial advice
- Financial advice relating to tax
- Financial analysis
- Financial appraisals in responding to calls for tenders / financial appraisals in responding to requests for proposals [RFPs]
- Financial clearing
- Financial consultancy
- Financial customs brokerage services
- Financial engineering
- Financial evaluation [insurance, banking, real estate]
- Financial evaluation of development costs relating to the oil, gas and mining industries
- Financial evaluation of standing timber / financial valuation of standing timber
- Financial evaluation of wool / financial valuation of wool
- Financial exchange of cryptocurrency
- Financial management
- Financial management of reimbursement payments for others
- Financial patronage
- Financial research
- Financial sponsorship
- Financial trading of cryptocurrency
- Financial valuation of intellectual property assets
- Financing services
- Fire insurance underwriting
- Fiscal valuation
- Health insurance underwriting
- Hire-purchase financing / lease-purchase financing
- Instalment loans
- Insurance brokerage
- Insurance consultancy
- Insurance underwriting
- Investment of funds
- Issuance of credit cards
- Issuance of gift certificates
- Issuance of prepaid gift cards
- Issuance of prepaid vouchers
- Issuance of travellers' cheques / issuance of travelers' checks
- Jewellery appraisal / jewelry appraisal
- Lending against security
- Life insurance underwriting
- Loans [financing]
- Marine insurance underwriting
- Mobile banking services
- Mortgage banking
- Mutual funds
- Numismatic appraisal
- Online banking
- Online banking services rendered in virtual environments
- Organization of monetary collections
- Pawnbrokerage
- Preparation of quotes for cost estimation purposes
- Processing of credit card payments
- Processing of debit card payments
- Provident fund services
- Providing financial information
- Providing financial information via a website
- Providing insurance information
- Providing rebates at participating establishments of others through use of a membership card
- Real estate agency services
- Real estate appraisal
- Real estate brokerage
- Real estate management
- Real estate services
- Rent collection
- Rental of apartments
- Rental of farms
- Rental of offices [real estate]
- Rental of offices for co-working
- Rental of pastures
- Rental of payment terminals
- Rental of real estate
- Repair costs evaluation [financial appraisal]
- Retirement payment services
- Safe deposit services
- Savings bank services
- Securities brokerage
- Stamp appraisal
- Stock brokerage services
- Stock exchange quotations
- Stocks and bonds brokerage
- Surety services
- Trusteeship / fiduciary
- Warranty claims administration services
What Class 36 does not include
Class 36 borders the other services classes closely. Note these exclusions:
| Service | Correct class |
|---|---|
| Bookkeeping, accounts and business auditing | Class 35 |
| Sponsorship promotion (advertising) | Class 35 |
| ATM cash replenishment; freight brokerage | Class 39 |
| The wallet or banking app (software) | Class 9 |
| Software development and hosting for a platform | Class 42 |
| Quality evaluation of goods (wool, timber) | Class 42 |
The rule of thumb: the financial or insurance service itself is Class 36, but the app is Class 9, bookkeeping is Class 35, and logistics is Class 39.
Who files in Class 36 in Nepal?
Class 36 is one of the most important service classes for Nepal's economy. It is filed by banks and financial institutions, remittance and money-transfer companies — remittance is a pillar of the Nepali economy — microfinance and cooperative institutions, insurance companies and brokers, digital-wallet and fintech brands, and real-estate agencies. For a wallet or remittance brand, the payment service is exactly what Class 36 protects. Confirm your class with the NICE Class Finder.
How to register a trademark in Class 36
Search the register for earlier financial marks, confirm Class 36 fits (and that the app itself isn't really Class 9), prepare your mark and a precise service specification, and file with the Department of Industry. It examines, publishes for the 90-day opposition window, and registers for a renewable 7-year term. Trademark registration is separate from the regulatory licences financial services require. See how to register a trademark in Nepal.
Do you need more than one class?
For fintech, almost always. A digital wallet needs Class 36 for the payment service, Class 9 for the downloadable app, and often Class 42 for its platform technology and Class 35 if it runs a marketplace. Because Nepal files one class per application with per-class fees, map your business first. See choosing the right class, the neighbouring Class 35 (Advertising & Retail) and Class 37 (Construction & Repair), and protecting a fintech or wallet brand.
A Nepal example
Take a Nepali digital-wallet brand. The payment, transfer and remittance service it provides is Class 36, where the brand is registered. But the downloadable app is Class 9, the software platform and hosting are Class 42, and any marketplace it runs is Class 35. One wallet brand can span Class 36 for payments, Class 9 for the app, and Class 42 for its technology — filing only in Class 36 leaves the app and platform identity exposed, and filing only in Class 9 leaves the actual financial service unprotected. This multi-class reality is essential for Nepali fintech founders.
Getting Class 36 right: common mistakes
The defining Class 36 mistake is confusing the service with the app. The payment, banking or insurance service is Class 36, but the software app that delivers it is Class 9, and the development of that software is Class 42. Fintech founders often file only one and assume they are covered. A second common error is filing bookkeeping or business administration in Class 36 — those are Class 35, while Class 36 is the actual money-handling service.
A third pitfall is assuming the trademark replaces regulatory approval — it does not. Banking, payment, remittance and insurance services are licensed and regulated, and the trademark protects the brand alongside those licences. Specify your real services precisely, and file the app and technology classes your business genuinely needs.
Why precise Class 36 filing matters
Financial services rest entirely on trust, and the brand carries that trust, so a precise, early registration protects real value — and lets you act against fraud and impersonation, a serious risk for wallet and remittance brands. Naming your real services — "money-transfer services", "digital wallet payment services", "insurance brokerage" — makes the application easier to register and clearer to enforce, and captures the service a Class 9 app filing cannot. Because Nepal is first-to-file, the date you lodge secures your priority in a fast-growing fintech market. For a bank, wallet or insurer, an early, precise Class 36 filing is foundational.
In short
Class 36 is the financial-services class — banking, payments, remittance, insurance and real estate. The key line for fintech: the app is Class 9, but the payment or financial service is Class 36, and the trademark never replaces a regulatory licence. Get that right, specify your services precisely, and file early — plus the app and tech classes your business needs.
Class 36 filing checklist
- Confirm you're protecting a financial or insurance service — the app itself is Class 9.
- Remember the trademark does not replace a regulatory licence.
- Check the exclusions — Class 9, 35, 39 or 42.
- Write a precise service specification and search the register.
- For fintech, add Class 9 (app) and Class 42 (platform) and any Class 35.
- File with the Department of Industry and track to registration.
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Register your Class 36 trademark
Protect your bank, wallet, remittance or insurance brand — the service, plus the app and platform. Find your class with the NICE Class Finder, screen with the Conflict Checker, then register your trademark with our team. Talk to an IP expert to map your fintech multi-class strategy.
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