Belgium · Payments & e-money
Buy Way Personal Finance
Buy Way Personal Finance is a Belgian public limited company with its seat in Brussels. The National Bank of Belgium authorises it as a payment institution. The Financial Services and Markets Authority (FSMA) registers it as a consumer credit lender and as a tied insurance agent. It is a subsidiary of Buy Way Consumer Finance, and its company page names Chenavari Investment Managers as the group's reference shareholder. Under the Buy Way brand it offers Mastercard credit cards, open-ended credit lines and instalment loans to consumers in Belgium and Luxembourg, mainly through retail partners at the point of sale.
Licences and registrations
Held by Buy Way Personal Finance (LEI 9676006T5BCXWL257R75). 2 entries on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterNational Bank of Belgium | Payment institutionPayment Institution | 0400282277 | Belgium | Active | 2022-12-20 | — |
|
Search the register ↗ |
| EBA PSD2 RegisterNational Bank of Belgium | Electronic money institutionE-Money / Stored Value Institution | 0400282277 | Belgium | Withdrawn | 2013-05-07 | Ended 2022-12-19 |
|
Search the register ↗ |
- 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.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Buy Way Consumer Finance
Firm type
Lending or buy now, pay later
Trades as Buy Way
- Standing
- The National Bank of Belgium's authorisation of the firm as an electronic money institution ended on 19 December 2022. Since 20 December 2022 the firm has been registered as a payment institution.
- Ownership
- Buy Way Consumer Finance is the direct parent according to the GLEIF record, and the firm's LinkedIn page names Chenavari Investment Managers as the group's reference shareholder.
- Direct parent
- Buy Way Consumer Finance ↗, Belgium
- Head office
- Boulevard Baudouin 29 bte 2, 1000 Bruxelles, Belgium
- Company register
- Belgian Crossroads Bank for Enterprises (CBE) 0400.282.277
- Incorporated
- 19 Nov 1960
- Former name
- Buy Way
Online
- Websites & references
- buyway.be ↗
buyway.lu ↗ Luxembourg branch site
services.buyway.be ↗ customer money-transfer (drawdown) service
Wikipedia ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 11 pages consulted
- kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en
- fsma.be/en/party/buy-way-personal-finance
- buyway.be/
- buyway.be/en/business/sustainability/
- buyway.be/fr/informations-legales/conditions-generales-buy-way-mobile/
- buyway.be/wm/mediamarkt/index.php
- buyway.lu/financement-personnel/pret-personnel/
- buyway.lu/documents/fr/cg_bpr.pdf
- buyway.nl/over/
- be.linkedin.com/company/buy-way-personal-finance
- fr.wikipedia.org/wiki/Buy_Way_Personal_Finance
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The National Bank of Belgium authorises the firm as a payment institution. The FSMA registers it as a consumer credit lender and as a tied insurance agent (FSMA number 019542).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| National Bank of Belgium Belgium | Payment institution | 0400282277 | In its own name | Active | — |
| National Bank of Belgium Belgium | Electronic money institution | 0400282277 | In its own name | Withdrawn or expired | — |
| Financial Services and Markets Authority (FSMA) Belgium | Belgian Consumer Credit Lenders – Lender Consumer Credit | 019542 | In its own name | Active | fsma.be ↗ |
| Financial Services and Markets Authority (FSMA) Belgium | Belgian Insurance Agents – Insurance Agent (non-life and other life products) | 019542 | In its own name | Active | fsma.be ↗ |
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
- Payment schemes and card networks
- Mastercard Access not stated buyway.be ↗
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 offers Mastercard credit cards, open-ended credit lines with or without a card, and instalment loans and sales, mainly through retail partners' stores and websites.
It lends to consumers in Belgium from Brussels and in Luxembourg through a branch in Leudelange (RCS B268758).
- Sells to
- Consumers · Enterprises
- Serves customers in 2 countries
- Belgium · Luxembourg
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Guillaume Lobjoie CEO; Managing Director and Director
- Executive
- Sophie Le Saout Director
- Executive
- Ugo Setti Director
- Executive
- Christiane Vandyck Director
- Executive
- Jean-Philippe Verbeken Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Christiane Vandyck joined the firm's board as a director on 18 December 2024.
kbopub.economie.fgov.be ↗ -
Leadership
Sophie Le Saout joined the firm's board as a director on 8 November 2023.
kbopub.economie.fgov.be ↗ -
Licence
The FSMA entered the firm on its list of consumer credit lenders from 23 May 2023.
fsma.be ↗
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
- Licence no. · EBA-PSD2
- 0400282277
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 9b966c8d5aa6
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.
- Main licence class
- Payment Institution
- Activities
- Money remittance
- Payment services
- Card acquiring
- Payment initiation
- Account information
- E-money / stored value
- Licensed in
- Belgium · Europe & Central Asia
- First registered
- 2013-05-07
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
- Buy Way Consumer Finance · Belgium875500N6243YELW7YF32 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Boudewijnlaan 29 bus 2/Boulevard Baudouin 29 bus 2, Brussel/Bruxelles, 1000
- Country
- Belgium
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<LEI>9676006T5BCXWL257R75</LEI>
<Nm>Buy Way Personal Finance</Nm>
<PstlAdr>
<PstCd>1000</PstCd>
<TwnNm>Brussel/Bruxelles</TwnNm>
<Ctry>BE</Ctry>
<AdrLine>Boudewijnlaan 29 bus 2/Boulevard</AdrLine>
<AdrLine>Baudouin 29 bus 2</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
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 →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ 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.
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A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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