--- title: "Buy Way Personal Finance · Payment institution (National Bank of Belgium) · Belgium | Elucidate" description: "Buy Way Personal Finance is authorised by National Bank of Belgium as a payment institution in Belgium. Licence 0400282277. LEI 9676006T5BCXWL257R75. Register status, licences, activities and ownership." url: https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6 --- 1. [Directory](https://elucidate.co/directory) 2. [Belgium](https://elucidate.co/directory/country/be) 3. Buy Way Personal Finance 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. Register status Licensed in Belgium Payment institution · National Bank of Belgium Prudential licence [2 licences and registrations ↓](https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6#licences) BIC **No BIC** LEI **[9676006T5BCXWL257R75](https://search.gleif.org/#/record/9676006T5BCXWL257R75)** [Licence no. **0400282277**](https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6#licences) ## 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 Register](https://elucidate.co/directory/register/eba-psd2) National Bank of Belgium | Payment institutionPayment Institution | 0400282277 | [Belgium](https://elucidate.co/directory/country/be) | Active | 2022-12-20 | — | - Money remittance - Payment services - Card acquiring - Payment initiation - Account information | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | | [EBA PSD2 Register](https://elucidate.co/directory/register/eba-psd2) National Bank of Belgium | Electronic money institutionE-Money / Stored Value Institution | 0400282277 | [Belgium](https://elucidate.co/directory/country/be) | Withdrawn | 2013-05-07 | Ended 2022-12-19 | - Money remittance - Payment services - Card acquiring - Payment initiation - Account information - E-money / stored value | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - 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](https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6#overview-sources) Customers 350,000 customers · This entity · 29 Sep 2026 · [company statement ↗](https://www.buyway.be/) 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 ↗](https://search.gleif.org/#/record/875500N6243YELW7YF32), 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 ↗](https://www.buyway.be/) [buyway.lu ↗](https://www.buyway.lu/) Luxembourg branch site [services.buyway.be ↗](https://services.buyway.be/fidi/fr/) customer money-transfer (drawdown) service [Wikipedia ↗](https://fr.wikipedia.org/wiki/Buy_Way_Personal_Finance) - **Official social accounts:** [LinkedIn ↗](https://be.linkedin.com/company/buy-way-personal-finance) · [X ↗](https://twitter.com/buywaypf) · [Facebook ↗](https://fr-fr.facebook.com/BuyWayPF/) · [YouTube ↗](https://www.youtube.com/channel/UCRmP0c2wQo-0mZ6PkLeitdw) - **Apps:** [App Store ↗](https://apps.apple.com/app/buy-way/id1514369217) · [Google Play ↗](https://play.google.com/store/apps/details?id=be.buyway.buywaymobile) Sources · 11 pages consulted 1. [kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en](https://kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en) 2. [fsma.be/en/party/buy-way-personal-finance](https://www.fsma.be/en/party/buy-way-personal-finance) 3. [buyway.be/](https://www.buyway.be/) 4. [buyway.be/en/business/sustainability/](https://www.buyway.be/en/business/sustainability/) 5. [buyway.be/fr/informations-legales/conditions-generales-buy-way-mobile/](https://www.buyway.be/fr/informations-legales/conditions-generales-buy-way-mobile/) 6. [buyway.be/wm/mediamarkt/index.php](https://www.buyway.be/wm/mediamarkt/index.php) 7. [buyway.lu/financement-personnel/pret-personnel/](https://www.buyway.lu/financement-personnel/pret-personnel/) 8. [buyway.lu/documents/fr/cg\_bpr.pdf](https://www.buyway.lu/documents/fr/cg_bpr.pdf) 9. [buyway.nl/over/](https://www.buyway.nl/over/) 10. [be.linkedin.com/company/buy-way-personal-finance](https://be.linkedin.com/company/buy-way-personal-finance) 11. [fr.wikipedia.org/wiki/Buy\_Way\_Personal\_Finance](https://fr.wikipedia.org/wiki/Buy_Way_Personal_Finance) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6#overview-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 ↗](https://www.fsma.be/en/party/buy-way-personal-finance) | | 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 ↗](https://www.fsma.be/en/party/buy-way-personal-finance) | 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](https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6#overview-sources) - **Payment schemes and card networks:** Mastercard Access not stated [buyway.be ↗](https://www.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](https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6#overview-sources) - Lending - Buy now, pay later 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](https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6#overview-sources) - **Chief executive:** Guillaume Lobjoie CEO; Managing Director and Director Confirmed 29 Sep 2026 · [kbopub.economie.fgov.be ↗](https://kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en) - **Executive:** Sophie Le Saout Director Confirmed 29 Sep 2026 · [kbopub.economie.fgov.be ↗](https://kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en) - **Executive:** Ugo Setti Director Confirmed 29 Sep 2026 · [kbopub.economie.fgov.be ↗](https://kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en) - **Executive:** Christiane Vandyck Director Confirmed 29 Sep 2026 · [kbopub.economie.fgov.be ↗](https://kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en) - **Executive:** Jean-Philippe Verbeken Director Confirmed 29 Sep 2026 · [kbopub.economie.fgov.be ↗](https://kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/buy-way-personal-finance-9b966c8d5aa6#overview-sources) 1. Dec 2024 Leadership Christiane Vandyck joined the firm's board as a director on 18 December 2024. [kbopub.economie.fgov.be ↗](https://kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en) 2. Nov 2023 Leadership Sophie Le Saout joined the firm's board as a director on 8 November 2023. [kbopub.economie.fgov.be ↗](https://kbopub.economie.fgov.be/kbopub/toonondernemingps.html?ondernemingsnummer=0400282277&lang=en) 3. May 2023 Licence The FSMA entered the firm on its list of consumer credit lenders from 23 May 2023. [fsma.be ↗](https://www.fsma.be/en/party/buy-way-personal-finance) 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 - **LEI:** [9676006T5BCXWL257R75 ↗](https://search.gleif.org/#/record/9676006T5BCXWL257R75) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 9b966c8d5aa6 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Money remittance - Payment services - Card acquiring - Payment initiation - Account information - E-money / stored value - **Licensed in:** [Belgium](https://elucidate.co/directory/country/be) · 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 · Belgium[875500N6243YELW7YF32 ↗](https://search.gleif.org/#/record/875500N6243YELW7YF32) 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 ```xml 9676006T5BCXWL257R75 Buy Way Personal Finance 1000 Brussel/Bruxelles BE Boudewijnlaan 29 bus 2/Boulevard Baudouin 29 bus 2 ``` 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. ## Related institutions ### Other payments & e-money institutions in Belgium - [Mastercard Transaction Services (Europe) S.A. BIC HOMNBEB2 Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0549987921 (EBA-PSD2) · LEI 549300QSDFLY87110W54](https://elucidate.co/directory/mastercard-transaction-services-europe-s-a-homnbeb2) - [Billit NV No BIC Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0563846944 (EBA-PSD2) · LEI 875500V1E3XS0E7O7J64](https://elucidate.co/directory/billit-nv-f54b30ab056c) - [Money International No BIC Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0475445104 (EBA-PSD2) · LEI 98450015E3BF56376870](https://elucidate.co/directory/money-international-38db28f97610) - [Paynovate No BIC Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0506763929 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/paynovate-74457ca4ffc8) - [Wise Europe S.A BIC TRWIBEB1 Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0713629988 (EBA-PSD2) · LEI 699400U6W3SV7TR4TM73](https://elucidate.co/directory/wise-europe-s-a-trwibeb1) - [Axepta BNP Paribas Benelux No BIC Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0719319138 (EBA-PSD2) · LEI 5299009V7WUI7MHSD945](https://elucidate.co/directory/axepta-bnp-paribas-benelux-c0e01ca5eca5) - [Bancontact Company No BIC Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0675984882 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/bancontact-company-0bbb028f5f7a) - [Banqup S.A. BIC PANXBEB1 Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0649860804 (EBA-PSD2) · LEI 5493000RZ2KSLKCYNN98](https://elucidate.co/directory/banqup-s-a-panxbeb1) [See all →](https://elucidate.co/directory/search?type=payments&cc=BE) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) 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 →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) 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. ## Assess the financial crime risk behind a licence A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) 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.