---
title: "Ap Operations Sia SWIFT/BIC code AOSALV22XXX · Latvia | Elucidate"
description: "Licensed in Latvia: Electronic money institution (Latvijas Banks). SWIFT/BIC code AOSALV22XXX for Ap Operations Sia, Latvia. Head-office BIC."
url: https://elucidate.co/directory/ap-operations-sia-aosalv22
---
1. [Directory](https://elucidate.co/directory)
2. [Latvia](https://elucidate.co/directory/country/lv)
3. Ap Operations Sia
Latvia · Payments & e-money
# Ap Operations Sia
AP OPERATIONS SIA is a limited liability company based in Riga, Latvia. Latvijas Banka authorises it as an electronic money institution under licence No. 27-55/2025/2, in force since 26 March 2025. According to Latvijas Banka, the firm planned to offer electronic wallets to legal and natural persons. Latvijas Banka said the service would let customers who sell online accept payments and settlements in euro. The Latvijas Banka register shows the licence passported to 29 EEA states since 19 November 2025.
Register status
Licensed in Latvia
Electronic money institution · Latvijas Banks
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/ap-operations-sia-aosalv22#licences)
BIC **AOSALV22XXX** LEI **[6488XKPG1589BQE68886](https://search.gleif.org/#/record/6488XKPG1589BQE68886)** [Licence no. **40203416512**](https://elucidate.co/directory/ap-operations-sia-aosalv22#licences) [No public presence found](https://elucidate.co/directory/ap-operations-sia-aosalv22#overview) Reverse billing Head-office BIC only [Claim this profile](https://elucidate.co/directory/ap-operations-sia-aosalv22#claim)
## Licences and registrations
Held by Ap Operations Sia (LEI 6488XKPG1589BQE68886). 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 Register](https://elucidate.co/directory/register/eba-psd2) Latvijas Banks Linked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | 40203416512 | [Latvia](https://elucidate.co/directory/country/lv) | Active | 2025-03-26 | — | - Payment services - E-money / stored value | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) |
Trading names on the register: 40203416512 (EBA-PSD2)
- 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:** AOSALV22XXX head office
- **Connection to Swift:** Reverse billing
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · VOP · TIPS](https://elucidate.co/directory/ap-operations-sia-aosalv22#schemes)
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2025-07-05
- **Last updated:** 2025-07-05
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ap-operations-sia-aosalv22#overview-sources)
Customers
Not published
Employees
Not published
Ownership
Not published
Firm type
E-money and accounts
- **Standing · No public presence found:** Latvijas Banka issued the firm an electronic money institution licence on 26 March 2025, and the register shows it as active. No website, app or terms and conditions naming the firm as the provider of a service could be found.
- **Head office:** Skanstes iela 25, LV-1013 Rīga, Latvia
- **Company register:** Register of Enterprises of the Republic of Latvia 40203416512
Sources · 7 pages consulted
1. [bank.lv/finansu-tirgus-dalibnieku-registrs/tirgus-dalibnieki/ap-operations-sia](https://www.bank.lv/finansu-tirgus-dalibnieku-registrs/tirgus-dalibnieki/ap-operations-sia)
2. [bank.lv/en/news-and-events/news-and-articles/news/17201-latvijas-banka-is-issuing-an-electronic-m](https://www.bank.lv/en/news-and-events/news-and-articles/news/17201-latvijas-banka-is-issuing-an-electronic-money-institution-operating-licence-to-ap-operations-sia)
3. [fi.ee/en/payment-services/e-money-institutions/providers-cross-border-e-money-services/ap-opera](https://www.fi.ee/en/payment-services/e-money-institutions/providers-cross-border-e-money-services/ap-operations-sia)
4. [finsei.com/](https://finsei.com/)
5. [finsei.com/about](https://finsei.com/about)
6. [finsei.com/contact](https://finsei.com/contact)
7. [fintechbaltic.com/11875/fintechlatvia/riga-to-london-building-a-pan-european-fintech-from-the-baltics/](https://fintechbaltic.com/11875/fintechlatvia/riga-to-london-building-a-pan-european-fintech-from-the-baltics/)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ap-operations-sia-aosalv22#overview-sources)
- **Operates under:** Its own licences
Latvijas Banka authorises the firm as a licensed electronic money institution under licence No. 27-55/2025/2. The licence covers issuing electronic money, executing payment transactions (direct debits, card payments and credit transfers) and issuing payment instruments. The Latvijas Banka register shows these services passported under the freedom to provide services to 29 EEA states from 19 November 2025.
| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Latvijas Banka (Bank of Latvia) Latvia | Licensed electronic money institution (Licencēta elektroniskās naudas iestāde) | 27-55/2025/2 | In its own name | Active | [bank.lv ↗](https://www.bank.lv/finansu-tirgus-dalibnieku-registrs/tirgus-dalibnieki/ap-operations-sia) |
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](https://elucidate.co/directory/ap-operations-sia-aosalv22#overview-sources)
- E-money wallet
- Domestic payments
Latvijas Banka said the firm would issue electronic money through electronic wallets, including euro payment acceptance for customers that sell online.
The firm holds a Latvian electronic money licence, passported to 29 EEA states from 19 November 2025 according to Latvijas Banka's register.
- **Sells to:** Small businesses · Consumers
- **Serves customers in:** Latvia
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ap-operations-sia-aosalv22#overview-sources)
- **Executive:** Raitis Tukāns Responsible person (as listed on the Latvijas Banka register) Confirmed 29 Sep 2026 · [bank.lv ↗](https://www.bank.lv/finansu-tirgus-dalibnieku-registrs/tirgus-dalibnieki/ap-operations-sia)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ap-operations-sia-aosalv22#overview-sources)
1. Nov 2025
Licence
Latvijas Banka recorded the firm's passport to provide its electronic money and payment services in 29 EEA states from 19 November 2025.
[bank.lv ↗](https://www.bank.lv/finansu-tirgus-dalibnieku-registrs/tirgus-dalibnieki/ap-operations-sia)
2. Mar 2025
Licence
The Supervision Committee of Latvijas Banka issued the firm an electronic money institution operating licence on 26 March 2025.
[bank.lv ↗](https://www.bank.lv/en/news-and-events/news-and-articles/news/17201-latvijas-banka-is-issuing-an-electronic-money-institution-operating-licence-to-ap-operations-sia)
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:** AOSALV22XXX
- **How the BIC breaks down:** 1. AOSA Bank 2. LV Country · Latvia 3. 22 Location · reverse billing 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 6488XKPG1589BQE68886
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/6488XKPG1589BQE68886)
- **Licence no. · EBA-PSD2:** 40203416512
- **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:** 24b33a7ea80c
## Profile
- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/ap-operations-sia-aosalv22#licences)
- **Activities:** - Payment services - E-money / stored value
- **Licensed in:** [Latvia](https://elucidate.co/directory/country/lv)
- **Country · region:** Latvia · Europe & Central Asia
- **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
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
## Addresses
- **Registered address:** ELEMENTAL SKANSTES 25 RIGA LV-1013 LATVIA
- **Operational address:** ELEMENTAL SKANSTES 25 RIGA LV-1013 RIGA LATVIA
## 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
```xml
AOSALV22XXX
6488XKPG1589BQE68886
```
### 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
```xml
AOSALV22XXX
6488XKPG1589BQE68886
AP OPERATIONS SIA
RIGA
LV
ELEMENTAL SKANSTES 25 RIGA LV-1013
```
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.
## Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
| --- | --- | --- | --- |
| SEPA Credit TransferISO 20022 messages | 2025-09-09 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2025-09-02 | Head office | — |
| Verification of Payee | 2025-10-05 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
## Related institutions
### Other payments & e-money institutions in Latvia
- [Nodu Digital, SIA · trading as Nodu Digital No BIC Payments & e-money Crypto Prudential licence Latvia · Licensed by Latvijas Banks · 40203662782 (EBA-PSD2) · also on ESMA-CASP · LEI 98450065E59FDCD93R40](https://elucidate.co/directory/nodu-digital-sia-fe06da4397c1)
- [Sabiedrība ar ierobežotu atbildību "Mobilly" · trading as Mobilly No BIC Payments & e-money Prudential licence Latvia · Licensed by Latvijas Banks · 40003654405 (EBA-PSD2) · LEI 9845004LB4E5A8913C10](https://elucidate.co/directory/sabiedriba-ar-ierobezotu-atbildibu-mobilly-257e56c16156)
- ["Trek Technologies" SIA · trading as Backpack EU No BIC Payments & e-money Crypto Prudential licence Latvia · Licensed by Latvijas Banks · 40203613537 (EBA-PSD2) · also on ESMA-CASP · LEI 6488C2PNI17093U2YA18](https://elucidate.co/directory/trek-technologies-sia-ad66d6919973)
- [Gr8 Pay Sia BIC PYSILV22 Payments & e-money Prudential licence Latvia · Licensed by Latvijas Banks · 50203643321 (EBA-PSD2) · LEI 6488GKH17O8XT1326F66](https://elucidate.co/directory/gr8-pay-sia-pysilv22)
- [NorthernTech SIA No BIC Payments & e-money Prudential licence Latvia · Licensed by Latvijas Banks · 50203650291 (EBA-PSD2) · LEI 6488X6Z3MQQ09383HM60](https://elucidate.co/directory/northerntech-sia-56dafe69f71c)
- [Paybis Europa SIA · trading as Paybis Europa No BIC Payments & e-money Prudential licence Latvia · Licensed by Latvijas Banks · 40203730951 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/paybis-europa-sia-2b79541c7dca)
- [Sabiedrība ar ierobežotu atbildību "Transact Pro" · trading as Transact Pro No BIC Payments & e-money Prudential licence Latvia · Licensed by Latvijas Banks · 41503033127 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/sabiedriba-ar-ierobezotu-atbildibu-transact-pro-1e008e2b0acb)
- [Sia 'xpate' BIC SIAXLV22 Payments & e-money Prudential licence Latvia · Licensed by Latvijas Banks · 40203411426 (EBA-PSD2) · LEI 984500A663B1FTB0F017](https://elucidate.co/directory/sia-xpate-siaxlv22)
[See all →](https://elucidate.co/directory/search?type=payments&cc=LV)
Claim this profile
## Work at Ap Operations Sia?
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1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
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 →](https://elucidate.co/directory/methodology)
Credits for this page
- **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of TIPS participants and reachable parties.
- **EBA PSD2 Register**—European Banking Authority (EBA) · [register ↗](https://euclid.eba.europa.eu/register/pir/search) 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.
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.