Luxembourg · Payments & e-money
Como DL S.A.
COMO DL S.A. is a Luxembourg société anonyme based in Kockelscheuer. The Commission de Surveillance du Secteur Financier (CSSF) authorises it as a payment institution under licence Z00000013. It belongs to COMO Group S.A. and trades as COMO Digital Life. A sister company, COMO Digital Life S.à r.l., builds and operates the technology platform. The firm provides multi-currency IBAN accounts, SEPA and Swift payments and foreign exchange to business clients and to platforms that embed its services.
Licences and registrations
Held by Como DL S.A. (LEI 9845009D05DEBNF7A636). 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 RegisterCommission for the Supervision of Financial Sector | Payment institutionPayment Institution | Z00000013 | Luxembourg | Active | 2016-10-11 | — |
|
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
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
COMO Digital Life Management Holding S.A.
Firm type
FX and business payments
Trades as COMO Digital Life
- Ownership
- COMO Group S.A. owns the firm through COMO Digital Life Management Holding S.A., according to the parent relationships the firm reports to GLEIF.
- Direct parent
- COMO Digital Life Management Holding S.A. ↗, Luxembourg
- Ultimate owner
- COMO Group S.A., Luxembourg
- Head office
- 1-5 Rue de l'Innovation, L-1896 Kockelscheuer, Luxembourg
- Company register
- RCS Luxembourg B208603
- Founder
- Angela Nickel
Online
- Websites & references
- como-dl.com ↗
banking.como-dl.com ↗ client online banking login
partners.como-dl.com ↗ partner portal
signup.como-dl.com ↗ client sign-up - Official social accounts
- LinkedIn ↗
Sources · 12 pages consulted
- como-dl.com/
- como-dl.com/organization
- como-dl.com/legal-hub/legal-notice
- como-dl.com/legal-hub/terms-and-conditions
- como-dl.com/legal-hub/worldwide-standing-settlement-instructions-(ssi)
- como-dl.com/como-pay
- como-dl.com/meet-our-team
- como-dl.com/news
- como-dl.com/news-articles/okan-yener-joins-como
- como-dl.com/legal-hub-home
- como-dl.com/contact-us
- sapfioneer.com/news/como-vam/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The CSSF authorises the firm as a payment institution under licence Z00000013. The EBA register lists its activities as money remittance, execution of payment transactions and card acquiring. The firm says it is a Swift member.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Commission de Surveillance du Secteur Financier (CSSF) Luxembourg | Payment institution | Z00000013 | In its own name | Active | como-dl.com ↗ |
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 client funds are kept apart from its own funds, in segregated and safeguarded accounts at European banks.
- Settlement bank
- ING Belgium S.A. Belgium
- Payment schemes and card networks
- Swift Direct como-dl.com ↗
SEPA Credit Transfer Through a partner como-dl.com ↗
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 business-only multi-currency IBAN accounts for SEPA and Swift payments in more than 23 currencies, with foreign exchange, bulk payments and ERP integration. It also offers a payment gateway and an embedded finance programme for partner platforms.
The firm gives its service area as the EU, Iceland, Norway and Liechtenstein. It serves them under its Luxembourg payment institution licence.
- Sells to
- Small businesses · Enterprises · Platforms and marketplaces · Financial institutions
- Serves customers in 30 countries
- Luxembourg · Austria · Belgium · Bulgaria · Croatia · Cyprus · Czechia · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Ireland · Italy · Latvia · Lithuania · Malta · Netherlands · Poland · Portugal · Romania · Slovakia · Slovenia · Spain · Sweden · Iceland · Norway · Liechtenstein
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Angela Nickel Chief Executive Officer and Founder
- Chief financial officer
- Fabrizio Dicembre Chief Financial Officer
- Compliance / MLRO
- Ana Pinzaru Chief Compliance Officer
- Executive
- Okan Yener Chief Operating Officer / Authorized Manager
- Executive
- Erik Wilgenhof Plante Head of Risk and Governance / Authorized Manager
- Executive
- Mario Zardoni Independent Executive Director (COMO DL)
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
COMO Group appointed Okan Yener, formerly of HSBC Luxembourg, as Chief Operating Officer and Authorised Manager of COMO Digital Life.
como-dl.com ↗ -
Other
SAP Fioneer announced that COMO Digital Life had chosen its software for cash and liquidity management.
sapfioneer.com ↗
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
- Z00000013
- 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
- f9600ed7ecbf
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
- Licensed in
- Luxembourg · Europe & Central Asia
- First registered
- 2016-10-11
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
- Como Digital Life Management Holding S.A. · Luxembourg9845002FF2EFDAFE9F48 ↗
- Ultimate parent
- Como Group S.A. · Luxembourg6488O064UKOP621K8Y98 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- 1, rue de l'Innovation, Kockelscheuer, L-1896
- Country
- Luxembourg
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 one address line
<FinInstnId>
<LEI>9845009D05DEBNF7A636</LEI>
<Nm>COMO DL S.A.</Nm>
<PstlAdr>
<PstCd>L-1896</PstCd>
<TwnNm>Kockelscheuer</TwnNm>
<Ctry>LU</Ctry>
<AdrLine>1, rue de l'Innovation</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.
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) is an independent score of the financial crime risk of banks and payment institutions.
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