Poland · Payments & e-money
Ace Europe Sp. Z O.O.
Legal name in the LEI recordACE EUROPE SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ
ACE Europe Sp. z o.o. is a limited liability company based in Warsaw. It was formerly named Monsas Sp. z o.o. The Polish Financial Supervision Authority (KNF) authorises it as a national payment institution under register number IP49/2020. It offers international payments, currency exchange, payment accounts and virtual IBANs to business clients, including money service businesses, and to high-net-worth individuals. It describes a partnership with the ACE Money Transfer brand dating from 2021.
Licences and registrations
Held by Ace Europe Spółka Z Ograniczoną Odpowiedzialnością (LEI 259400JC0ITDQTZJ3Y65). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterPolish Financial Supervision AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 5252729648 | Poland | Active | 2020-07-02 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- MNAAPLP2XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of MNAAPLP2 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2020-10-31
- Last updated
- 2024-04-16
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Not published
Firm type
FX and business payments
Trades as ACE Europe
- Standing
- The firm now publishes Stanisława Moniuszki 1A, 00-014 Warszawa as its registered office. Its GLEIF and Swift records still show the earlier address at Puławska 2, 02-566 Warszawa.
- Head office
- Moniuszki 1A, 00-014 Warszawa, Poland
- Company register
- KRS 0000703382
- Incorporated
- 2017
- Former name
- MONSAS SP. Z O.O.
Online
- Websites & references
- ace-europe.eu ↗
- Official social accounts
- None found
Sources · 7 pages consulted
- ace-europe.eu/
- ace-europe.eu/terms
- ace-europe.eu/corporate-info
- cdn.prod.website-files.com/5fd75293b95fc20b38210a7c/69e5e695a2aab921644aa889_Z%C5%81K_2025.pdf
- cdn.prod.website-files.com/5fd75293b95fc20b38210a7c/662256c8c41d4d1bc5f338fe_Podstawowa_struktura_organizacyjna_2024
- acemoneytransfer.com/terms-and-conditions/pl
- acemoneytransfer.com/terms-and-conditions/eu
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Polish Financial Supervision Authority (KNF) authorises the firm as a national payment institution under register number IP49/2020. The EBA payment institutions register records it as authorised for money remittance and payment services from 2 July 2020.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Polish Financial Supervision Authority (KNF) Poland | National payment institution (krajowa instytucja płatnicza) | IP49/2020 | In its own name | Active | ace-europe.eu ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Products and markets
Researched 29 Sep 2026 · Sources
The firm offers credit transfers, money remittance, payment accounts, direct debit and currency exchange to business clients and high-net-worth individuals. It says it reaches more than 100 countries and 120 currencies and also offers white-label technology to money service businesses.
Its terms say it provides payment services within Poland, for transfers to and from accounts in the countries listed on its website.
- Sells to
- Small businesses · Enterprises · Financial institutions · Consumers
- Serves customers in
- Poland
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Jarosław Kurylin Member of the Supervisory Board
- Executive
- Martyna Królikowska Member of the Supervisory Board
- Executive
- Rashid Ashraf Member of the Supervisory Board
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm launched its own internal payments system, according to the history section of its website.
ace-europe.eu ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- MNAAPLP2XXX
- How the BIC breaks down
- MNAABank
- PLCountry · Poland
- P2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 259400JC0ITDQTZJ3Y65
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 5252729648
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- 5b14917e170a
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Money remittance
- Payment services
- Licensed in
- Poland
- Country · region
- Poland · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- PLAC UNII BUDYNEK B FLOOR 3 PULAWSKA 2 WARSZAWA 02-566 POLAND
- Operational address
- PLAC UNII BUDYNEK B FLOOR 3 PULAWSKA 2 WARSZAWA 02-566 WARSZAWA POLAND
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>MNAAPLP2XXX</BICFI>
<LEI>259400JC0ITDQTZJ3Y65</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>MNAAPLP2XXX</BICFI>
<LEI>259400JC0ITDQTZJ3Y65</LEI>
<Nm>ACE EUROPE SP. Z O.O.</Nm>
<PstlAdr>
<TwnNm>WARSZAWA</TwnNm>
<Ctry>PL</Ctry>
<AdrLine>PLAC UNII BUDYNEK B FLOOR 3 PULAWSKA 2 WARSZAWA 02-566</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: ace-europe.eu (official website) · original.
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