Italy · Payments & e-money
Agos-Ducato SPA
Legal name in the LEI recordAGOS-DUCATO S.P.A.
Agos Ducato S.p.A. is a consumer credit company in Milan. The Bank of Italy authorises it as a financial intermediary under Article 106 of the Consolidated Banking Act and registers it as a payment institution under Article 114-septies. Crédit Agricole Personal Finance & Mobility owns 61% of the firm and Banco BPM owns 39%. It offers personal loans, point-of-sale instalment finance, credit cards, salary-backed loans (cessione del quinto), leasing and insurance to consumers in Italy through branches, retail partners and partner banks.
Licences and registrations
Held by Agos-Ducato S.P.A. (LEI 815600F37471C4E69D64). 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 RegisterBank of ItalyLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 08570720154 | Italy | Active | 2018-01-14 | — |
|
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.
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- Groupe Crédit Agricole
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 2 of 5 · extra capital buffer 1.5% of risk-weighted assets
- On the list since
- 2011
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- AGOUITM1XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of AGOUITM1 marks a passive participant.
- 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
- 2014-09-06
- Last updated
- 2018-01-13
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
61% Crédit Agricole Personal Finance & Mobility
Firm type
Lending or buy now, pay later
Trades as Agos
- Ownership
- Crédit Agricole S.A. holds 61% of the firm through Crédit Agricole Personal Finance & Mobility (formerly Crédit Agricole Consumer Finance), and Banco BPM holds the other 39%.
- Direct parent
- Crédit Agricole Personal Finance & Mobility, France 61%
- Ultimate owner
- Crédit Agricole S.A., France
- Major shareholder
- Banco BPM S.p.A. 39% · 3 Mar 2026
- Head office
- Viale Fulvio Testi 280, 20126 Milano, Italy
- Company register
- Registro delle Imprese di Milano 08570720154
- Name in the local language
- Agos Ducato S.p.A.
Online
- Websites & references
- agos.it ↗ did not load when checked
agoscorporate.it ↗ corporate website - Official social accounts
- None found
Sources · 10 pages consulted
- doc.agosducato.it/documenti/privacy_informativa.pdf
- agcm.it/media/comunicati-stampa/2026/2/PV12B
- en.agcm.it/en/media/press-releases/2026/2/PV12B
- agcm.it/dotcmsCustom/tc/2031/2/getDominoAttach?urlStr=81.126.91.44%3A8080%2FC12560D000291394%2F0%
- d2brehffmri7r6.cloudfront.net/AGOS_CORPORATE/2026/4/cs---agos---apertura-parma_03032026-002_32825.pdf
- ca-personalfinancemobility.com/en/marque/agos/
- agoscorporate.it/chi-siamo/
- agos.it/carte-di-credito/istituzionali/agospay.aspx
- ilgiornaleditalia.it/news/mondo-imprese/771564/agos-risultati-2025-con-utile-netto-a-203-milioni-di-euro-nel-2
- credito.abieventi.it/it/speaker/laura-galimberti-31
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Bank of Italy authorises the firm as a financial intermediary under Article 106 of the Consolidated Banking Act (register number 19309) and registers it as a payment institution under Article 114-septies. IVASS registers it as an insurance intermediary in Section D of the Single Register of Insurance Intermediaries (RUI).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Bank of Italy Italy | Financial intermediary authorised under Article 106 of Legislative Decree 385/93 (Consolidated Banking Act) | 19309 | In its own name | Active | doc.agosducato.it ↗ |
| Bank of Italy Italy | Payment institution entered in the register under Article 114-septies of the Consolidated Banking Act (payment services, card acquiring) | 08570720154 | In its own name | Active | doc.agosducato.it ↗ |
| Institute for the Supervision of Insurance (IVASS) Italy | Insurance intermediary, Register of Insurance Intermediaries Section D | D000200619 | In its own name | Active | doc.agosducato.it ↗ |
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.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It provides personal loans, point-of-sale instalment finance for retail and car purchases, revolving credit cards on the Visa and Mastercard networks, salary-backed loans, leasing, long-term car rental (Agos Renting) and insurance. It sells through its own branches, retail and car-dealer partners and the branches of Banco BPM and Crédit Agricole Italia.
It serves customers in Italy through a branch network and commercial partners.
- Sells to
- Consumers · Small businesses
- Serves customers in
- Italy
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- François Edouard Drion Amministratore Delegato e Direttore Generale (Chief Executive Officer and General Manager)
- Executive
-
Laura Galimberti
Direttore Legal Affairs & Corporate Sustainability
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
The Italian Competition Authority (AGCM) fined the firm EUR 800,000 for refusing or restricting direct debits from non-Italian SEPA IBANs between 2014 and 2023.
en.agcm.it ↗ -
Other
The firm completed its first Cash SRT securitisation of a portfolio of about EUR 1 billion of performing loans during 2025.
ilgiornaleditalia.it ↗ -
Investigation
The AGCM opened proceedings PV12B against the firm over possible IBAN discrimination under Article 9 of the SEPA Regulation.
agcm.it ↗
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
- AGOUITM1XXX
- How the BIC breaks down
- AGOUBank
- ITCountry · Italy
- M1Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 815600F37471C4E69D64
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 08570720154
- 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
- 256f481465ac
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
- Payment services
- Card acquiring
- Licensed in
- Italy
- Country · region
- Italy · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · Groupe Crédit Agricole list of 2025
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- 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
- Direct parent
- Ca Consumer Finance · France969500GDYGB7Y20PP765 ↗
- Ultimate parent
- Credit Agricole SA · France969500TJ5KRTCJQWXH05 ↗
- FSB G-SIB list
- In a G-SIB group · Groupe Crédit Agricole bucket 2 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The Credit Agricole SA group has 84 institutions in the directory, in 33 countries: 83 hold a BIC and 1 does not.
Including Credit Agricole Italia S.P.A., Caceis Bank, Caceis Bank, Italy Branch, Credit Agricole SA, Amundi Asset Management.
See the Credit Agricole SA group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- VIA BERNINA 7 MILANO 20158 ITALY
- Operational address
- AGOSDUCATO SPA MILANO 20158 MILANO ITALY
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+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>AGOUITM1XXX</BICFI>
<LEI>815600F37471C4E69D64</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>AGOUITM1XXX</BICFI>
<LEI>815600F37471C4E69D64</LEI>
<Nm>AGOS-DUCATO SPA</Nm>
<PstlAdr>
<TwnNm>MILANO</TwnNm>
<Ctry>IT</Ctry>
<AdrLine>VIA BERNINA 7 MILANO 20158</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
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
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- 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: agos.it (official website) · original; Laura Galimberti: credito.abieventi.it (official website) · original.
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