Czechia · Payments & e-money
Citfin-Financni Trhy, A.S.
Legal name in the LEI recordCitfin - Finanční trhy, a.s.
Citfin - Finanční trhy, a.s. is a Czech joint-stock company based in Prague. The Czech National Bank (ČNB) authorises it as a payment institution and as a securities trader (investment firm). The firm describes Gabriel Kovács as its owner. He also owns the sister savings cooperative Citfin, spořitelní družstvo. It offers businesses, mainly small and medium-sized firms, foreign exchange, international payments, multi-currency payment accounts and currency hedging with forwards, swaps and options. It operated as CITCO - Finanční trhy until it took the Citfin name in 2010.
Licences and registrations
Held by Citfin - Finanční trhy, a.s. (LEI 213800BVHZ8XUCN63U23). 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 RegisterCzech National BankLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 25079069 | Czechia | Active | 2011-04-15 | — |
|
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.
European registers
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Czech National Bank (CNB) | 2009-07-13 | A1 A2 A3 B1 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CIIHCZP1XXX 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 CIIHCZP1 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
- 2010-03-06
- Last updated
- 2018-04-14
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Privately held
Firm type
FX and business payments
Trades as Citfin
- Ownership
- The firm and its media coverage name Gabriel Kovács as the owner of the firm and of the sister entity Citfin, spořitelní družstvo.
- Major shareholder
- Gabriel Kovács
- Head office
- Kolbenova 1021/9, 190 00 Prague, Czechia (registered office: Bucharova 1423/6, Stodůlky, 158 00 Praha 5, Czechia)
- Company register
- Czech commercial register, Municipal Court in Prague, section B, file 4313 (IČO 25079069)
- Incorporated
- 27 Sep 1996
- Former name
- CITCO - Finanční trhy a.s.
Online
- Websites & references
- citfin.cz ↗
citfin.eu ↗ English-language site
citfin.sk ↗ Slovak-language site
citfin.hu ↗ Hungarian-language site
citfin.ro ↗ Romanian-language site
online.citfin.cz ↗ online client registration and onboarding portal
bankservis.cz ↗ BankServis internet banking
edevizy.cz ↗ eDevizy.cz FX news portal run by the group
Wikipedia ↗ group article
Wikidata Q54979571 ↗ - Official social accounts
- Facebook ↗
Sources · 14 pages consulted
- citfin.cz/vse-o-citfin/zakladni-informace-o-citfin-financni-trhy-a-s/
- citfin.cz/wp-content/uploads/2026/06/Priloha-c.2-RS-Vseobecne-obchodni-podminky.pdf
- citfin.cz/wp-content/uploads/2026/06/Samostatne-bankovni-ucty-spolecnosti.pdf
- citfin.cz/wp-content/uploads/2026/05/Zprava-o-hospodareni-Citfin-2025.pdf
- citfin.cz/kontaktujte-nas/
- citfin.cz/
- citfin.cz/vse-o-citfin/povinne-uverejnovane-informace/
- citfin.cz/novinka/citfin-slavi-30-let-chce-rust-v-regionu-a-rozsirit-nabidku-sluzeb-pro-firmy/
- citfin.cz/novinka/upozorneni-na-podvodne-aktivity/
- citfin.cz/vse-o-citfin/
- penize.cz/kurzy-men/468539-citfin-meni-vedeni-chce-expandovat-do-zahranici
- euro.cz/aktuality/cesky-citfin-slavi-30-let-k-vyroci-si-nadelil-expanzi-na-dalsi-dva-evropske-trh
- edevizy.cz/clanek/osobnost-tydne-gabriel-kovacs-z-firmy-citfin_406/
- cs.wikipedia.org/wiki/Citfin
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Czech National Bank (ČNB) authorises the firm as a payment institution under Act No. 370/2017 on payments. The ČNB also licenses it as a securities trader under Act No. 256/2004 on capital markets. The firm or its regulator did not say how many EEA states the licence is passported to in the sources reviewed.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Czech National Bank (ČNB) Czechia | Payment institution (povolení k činnosti platební instituce) | 25079069 | In its own name | Active | citfin.cz ↗ |
| Czech National Bank (ČNB) Czechia | Securities trader (licence obchodníka s cennými papíry) | — | In its own name | Active | citfin.cz ↗ |
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
- Safeguarding
- Segregated safeguarding accountsThe firm states that it holds client funds, including collateral, in separate accounts at financial institutions in the EEA, kept apart from its own funds.
- Safeguarding bank · Settlement bank
- Citfin, spořitelní družstvo Czechia
- Safeguarding bank · Settlement bank
- ING Bank N.V. (branches in Czechia, Romania, Hungary and Slovakia) Netherlands
- Safeguarding bank · Settlement bank
- ING Bank Śląski S.A. Poland
- Safeguarding bank · Settlement bank
- Erste Bank Hungary Zrt. Hungary
- Safeguarding bank · Settlement bank
- Tatra banka, a.s. Slovakia
- Safeguarding bank · Settlement bank
- Komerční banka, a.s. Czechia
- Safeguarding bank · Settlement bank
- Česká spořitelna, a.s. Czechia
- Safeguarding bank · Settlement bank
- Moneta Money Bank, a.s. Czechia
- Safeguarding bank · Settlement bank
- Fio banka, a.s. Czechia
- Safeguarding bank · Settlement bank
- Raiffeisenbank a.s. Czechia
- Safeguarding bank · Settlement bank
- ČSOB, a.s. Czechia
- Payment schemes and card networks
- CERTIS (ČNB interbank payment system) Through a partner citfin.cz ↗
SEPA Credit Transfer Through a partner citfin.cz ↗
Swift Through a partner citfin.cz ↗
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 spot FX, currency orders, forwards, swaps and options, and domestic and international payments to business clients. It says its multi-currency account runs in 26 currencies.
It serves business clients in Czechia and Slovakia. In 2026 it announced entry into Hungary and Romania, and it runs country websites for all four markets.
- Revenue
- CZK 123.5m
- Payment volume
- CZK 203bnTurnover of foreign exchange transactions (obrat směnných obchodů) of the Citfin group
- Sells to
- Small businesses · Enterprises
- Serves customers in 4 countries
- Czechia · Slovakia · Hungary · Romania
Leadership
Researched 29 Sep 2026 · Sources
- Chair & chief executive
- Milan Cerman Chairman of the Board of Directors and CEO
- Executive
- Martina Zvěřinová Member of the Board of Directors
- Executive
- Jan Karger Member of the Board of Directors
- Executive
- Karel Kopp Chairman of the Supervisory Board
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm announced that it was entering the Hungarian and Romanian markets, alongside further growth in Slovakia.
citfin.cz ↗ -
Other
The firm warned that third parties were acting in its name and misusing its company ID and registered address.
citfin.cz ↗ -
Leadership
Milan Cerman replaced Martina Zvěřinová as chairman of the board and CEO. Zvěřinová stayed on the board.
penize.cz ↗
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
- CIIHCZP1XXX
- How the BIC breaks down
- CIIHBank
- CZCountry · Czechia
- P1Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800BVHZ8XUCN63U23
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 25079069
- 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
- 245e405806a8
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
- Czechia
- Country · region
- Czechia · 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
- BUILDING E RADLICKA 751/113E AVENIR BUSINESS PARK PRAGUE 158 00 CZECHIA
- Operational address
- BUILDING E RADLICKA 751/113 E AVENIR BUSINESS PARK PRAGUE 158 00 PRAGUE CZECHIA
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>CIIHCZP1XXX</BICFI>
<LEI>213800BVHZ8XUCN63U23</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>CIIHCZP1XXX</BICFI>
<LEI>213800BVHZ8XUCN63U23</LEI>
<Nm>CITFIN-FINANCNI TRHY, A.S.</Nm>
<PstlAdr>
<TwnNm>PRAGUE</TwnNm>
<Ctry>CZ</Ctry>
<AdrLine>BUILDING E RADLICKA 751/113E AVENIR BUSINESS PARK PRAGUE 158 00</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
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- 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.
- European registers—Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- 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: citfin.cz (official website) · original.
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