--- title: "Compass Banca SPA SWIFT/BIC code CMPYITM1XXX · Italy | Elucidate" description: "Significant institution directly supervised by the ECB. SWIFT/BIC code CMPYITM1XXX for Compass Banca SPA, Italy. Head-office BIC, LEI 549300BDK2FS7ZK39197." url: https://elucidate.co/directory/compass-banca-spa-cmpyitm1 --- 1. [Directory](https://elucidate.co/directory) 2. [Italy](https://elucidate.co/directory/country/it) 3. Compass Banca SPA ![Compass logo](https://elucidate.co/images/banks/87/872c78ffa962dc12.webp) Italy · Credit institution # Compass Banca SPA Legal name in the LEI record COMPASS BANCA S.P.A. Compass Banca S.p.A. is an Italian joint-stock bank with its registered office in Milan. Mediobanca S.p.A. holds 100% of its shares. Banca Monte dei Paschi di Siena S.p.A. directs and coordinates it as parent of the MPS banking group. Compass has operated in consumer credit since 1960 and became a bank on 1 October 2015. It offers personal and point-of-sale loans, salary-backed loans (cessione del quinto) and credit cards, and it distributes insurance. Its HeyLight brand provides buy now, pay later services. ECB · Single Supervisory Mechanism Directly supervised by the ECB Total assets EUR 150–300 bn Group: BANCA MONTE DEI PASCHI DI SIENA S.p.A. BIC **CMPYITM1XXX** LEI **[549300BDK2FS7ZK39197](https://search.gleif.org/#/record/549300BDK2FS7ZK39197)** Licence no. **Not on a tracked register** Passive participant (no connection) [ECB significant institution](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#regulatory) Head-office BIC only [Group: Banca Monte Dei Paschi di Siena S.P.A.](https://elucidate.co/directory/group/J4CP7MHCXR8DAQMKIL78) [Claim this profile](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#claim) ## Licences and registrations Matched by LEI on the 22 tracked registers None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see [Regulatory status](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#regulatory)): that is banking supervision, not a licence on a tracked register. - The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. ## Regulatory status ### ECB banking supervision List of supervised entities as of 2026-07-01 - **Classification:** Significant institution - **Supervisor:** European Central Bank (direct supervision) - **Listed as:** Compass Banca S.p.A. - **Entity type:** Credit institution - **Supervised group (ECB):** [BANCA MONTE DEI PASCHI DI SIENA S.p.A. →](https://elucidate.co/directory/banca-monte-dei-paschi-di-siena-pascitmm) - **Why significant:** Size (Total assets EUR 150-300 bn) ## European registers ### ECB · monetary financial institutions List as at 2026-09-25 - **Category:** Credit institution - **Minimum reserves:** Subject to minimum reserves - **Listed as:** COMPASS BANCA SPA - **RIAD code:** IT0000101260681 Entries are matched on the LEI. Each register is quoted as its publisher lists it. ## Swift network Swift’s ISO 9362 BIC directory - **BIC:** CMPYITM1XXX head office - **Connection to Swift:** Passive participant (no connection) - **Swift GPI:** Not on the member list - **Payment schemes and systems:** [SDD Core · SDD B2B](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#schemes) - **Branch codes:** None: head-office BIC only - **BIC first registered:** 2013-01-05 - **Last updated:** 2016-02-16 ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#overview-sources) Total assets Not published Employees Not published Ownership Group subsidiary 100% Mediobanca - Banca di Credito Finanziario S.p.A. Institution type Commercial bank Trades as Compass - **Standing:** Compass has been part of the Banca Monte dei Paschi di Siena banking group since September 2025, after MPS completed its takeover offer for Mediobanca. A planned merger of Mediobanca, its sole shareholder, into MPS was authorised by the ECB in September 2026 but still required shareholder approval. - **Ownership:** Mediobanca S.p.A. holds 100% of the bank, which is subject to the direction and coordination of Banca Monte dei Paschi di Siena S.p.A. - **Direct parent:** Mediobanca - Banca di Credito Finanziario S.p.A., Italy 100% - **Ultimate owner:** Banca Monte dei Paschi di Siena S.p.A., Italy - **Head office:** Via Caldera, 21, 20153 Milano, Italy - **Company register:** 00864530159, Registro delle Imprese di Milano; Albo delle Banche no. 8045 (ABI code 19275.7) - **Former name:** Compass S.p.A. ### Business lines - Consumer finance - Cards - SME banking - Insurance - Other Compass lends to households through personal loans, point-of-sale finance, salary-backed loans, credit cards and HeyLight buy now, pay later, using over 340 own outlets plus bank and retail partners. ### Online - **Websites & references:** [compass.it ↗](https://www.compass.it/) [heylight.com ↗](https://heylight.com/it/it) HeyLight buy now, pay later brand, linked from compass.it [Wikipedia ↗](https://it.wikipedia.org/wiki/Compass_\(azienda\)) [Wikidata Q21190078 ↗](https://www.wikidata.org/wiki/Q21190078) - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/2514503) · [X ↗](https://twitter.com/compassforyou) · [Facebook ↗](https://www.facebook.com/compassforyou) · [Instagram ↗](https://www.instagram.com/compass_banca/) · [YouTube ↗](https://www.youtube.com/c/CompassBanca) · [TikTok ↗](https://www.tiktok.com/@compass_banca) Sources · 9 pages consulted 1. [compass.it/dati-societari-compass-spa.html](https://www.compass.it/dati-societari-compass-spa.html) 2. [compass.it/](https://www.compass.it/) 3. [compass.it/share/pdfs/presentazione-istituzionale.pdf](https://www.compass.it/share/pdfs/presentazione-istituzionale.pdf) 4. [compass.it/struttura-societaria.html](https://www.compass.it/struttura-societaria.html) 5. [gruppomps.it/media-e-news/comunicati/cs-22-06-2026.html](https://www.gruppomps.it/media-e-news/comunicati/cs-22-06-2026.html) 6. [capitalist.it/mps-mediobanca-bce-autorizza-la-fusione-e-le-modifiche-statutarie/](https://capitalist.it/mps-mediobanca-bce-autorizza-la-fusione-e-le-modifiche-statutarie/) 7. [ilgiornale.it/news/banche/mps-mediobanca-approvato-progetto-fusione-concambio-245-2636773.html](https://www.ilgiornale.it/news/banche/mps-mediobanca-approvato-progetto-fusione-concambio-245-2636773.html) 8. [agcm.it/dotcmsCustom/tc/2030/11/getDominoAttach?urlStr=81.126.91.44:8080/C12560D000291394/0/0993A](https://www.agcm.it/dotcmsCustom/tc/2030/11/getDominoAttach?urlStr=81.126.91.44:8080/C12560D000291394/0/0993A1036AA8D1CBC1258D37003EFE2E/$File/p31707.pdf) 9. [it.wikipedia.org/wiki/Compass\_(azienda)](https://it.wikipedia.org/wiki/Compass_\(azienda\)) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#overview-sources) - **Chief executive:** Gian Luca Sichel Amministratore Delegato (Chief Executive Officer) Confirmed 29 Sep 2026 · [compass.it ↗](https://www.compass.it/dati-societari-compass-spa.html) - **Chair:** Romina Guglielmetti Presidente del Consiglio di Amministrazione (Chair of the Board of Directors) Confirmed 29 Sep 2026 · [compass.it ↗](https://www.compass.it/dati-societari-compass-spa.html) ## Supervisors & regulators Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#overview-sources) - **Italy:** Bank of Italy Prudential supervisor Central bank AML supervisor Conduct Resolution - **European Union:** European Central Bank Prudential supervisor - **Italy:** Institute for the Supervision of Insurance (IVASS) Other ## Recent events 1 enforcement or investigation item Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#overview-sources) 1. Sep 2026 Merger / acquisition The ECB authorised the merger of Mediobanca, the bank's sole shareholder, into Banca Monte dei Paschi di Siena. Shareholder approval was still required. [capitalist.it ↗](https://capitalist.it/mps-mediobanca-bce-autorizza-la-fusione-e-le-modifiche-statutarie/) 2. Jul 2026 Leadership The shareholders appointed a new board, chaired by Romina Guglielmetti, with Gian Luca Sichel as chief executive officer. [compass.it ↗](https://www.compass.it/dati-societari-compass-spa.html) 3. Mar 2026 Merger / acquisition The boards of MPS and Mediobanca approved a plan for MPS to absorb Mediobanca, with the Compass consumer credit business passing to MPS. [ilgiornale.it ↗](https://www.ilgiornale.it/news/banche/mps-mediobanca-approvato-progetto-fusione-concambio-245-2636773.html) 4. Sep 2025 Merger / acquisition MPS completed its public exchange and purchase offer for Mediobanca, and Compass joined the MPS banking group. [compass.it ↗](https://www.compass.it/struttura-societaria.html) 5. Jul 2025 Enforcement The Council of State annulled the EUR 4.7 million fine that the competition authority AGCM imposed in 2019 over the sale of insurance alongside loans. [agcm.it ↗](https://www.agcm.it/dotcmsCustom/tc/2030/11/getDominoAttach?urlStr=81.126.91.44:8080/C12560D000291394/0/0993A1036AA8D1CBC1258D37003EFE2E/$File/p31707.pdf) Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source. ## Identifiers Head-office record - **BIC:** CMPYITM1XXX - **How the BIC breaks down:** 1. CMPY Bank 2. IT Country · Italy 3. M1 Location · passive 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 549300BDK2FS7ZK39197 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/549300BDK2FS7ZK39197) - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. - **National bank code:** [Codice ABI 19275](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#bank-codes) ## Profile - **Type:** Credit institution - **Regulation:** Prudentially supervised (ECB list) - **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked. - **Country · region:** Italy · Europe & Central Asia - **Banking supervision:** [Significant · supervised by the ECB](https://elucidate.co/directory/compass-banca-spa-cmpyitm1#regulatory) 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 - **Founded:** 1960 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:** [Banca Monte Dei Paschi di Siena S.P.A.](https://elucidate.co/directory/banca-monte-dei-paschi-di-siena-pascitmm) · Italy[J4CP7MHCXR8DAQMKIL78 ↗](https://search.gleif.org/#/record/J4CP7MHCXR8DAQMKIL78) The Banca Monte Dei Paschi di Siena S.P.A. group has 15 institutions in the directory, in 6 countries: all hold a BIC. Including [Banca Monte Dei Paschi di Siena](https://elucidate.co/directory/banca-monte-dei-paschi-di-siena-pascitmm), [Mediobanca Banca di Credito Finanziario SPA](https://elucidate.co/directory/mediobanca-banca-di-credito-finanziario-spa-bameitmm), [Mediobanca International (Luxembourg) SA](https://elucidate.co/directory/mediobanca-international-luxembourg-sa-meoilul1), [Mediobanca Premier SPA](https://elucidate.co/directory/mediobanca-premier-spa-micsitm1), [Monte Paschi Banque S.A.](https://elucidate.co/directory/monte-paschi-banque-s-a-montfrpp). [See the Banca Monte Dei Paschi di Siena S.P.A. group →](https://elucidate.co/directory/group/J4CP7MHCXR8DAQMKIL78) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Registered address:** VIA CALDERA 21 MILANO 20153 ITALY - **Operational address:** VIA CALDERA 21 MILANO 20153 MILANO ITALY ## 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 ```xml CMPYITM1XXX 549300BDK2FS7ZK39197 ``` ### 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 CMPYITM1XXX 549300BDK2FS7ZK39197 COMPASS BANCA SPA MILANO IT VIA CALDERA 21 MILANO 20153 ``` 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. ## 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 Direct Debit CoreISO 20022 messages | 2013-05-06 | Head office | — | | SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2013-05-06 | Head office | — | SEPA dates are when the institution became ready for the scheme. An institution missing from T2 may still be reachable through an indirect participant. “ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants. ## National bank codes ### Codice ABI · Italy 1 code file of 2026-09-23 | Code | Routes to BIC | Name in the national file | City | | --- | --- | --- | --- | | 19275 | CMPYITM1XXX | COMPASS BANCA SPA | MILANO | Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page. ## Related institutions ### Same group - [Banca Monte Dei Paschi di Siena BIC PASCITMM Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI J4CP7MHCXR8DAQMKIL78](https://elucidate.co/directory/banca-monte-dei-paschi-di-siena-pascitmm) - [Mediobanca Banca di Credito Finanziario SPA BIC BAMEITMM Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI PSNL19R2RXX5U3QWHI44](https://elucidate.co/directory/mediobanca-banca-di-credito-finanziario-spa-bameitmm) - [Mediobanca Premier SPA BIC MICSITM1 Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 815600DDCE9083CAC598](https://elucidate.co/directory/mediobanca-premier-spa-micsitm1) - [Cirene Finance S.R.L. BIC CNFLIT21 Financial institution Not on a tracked register Italy · Not on a tracked register · LEI 8156009CA6D88895D463](https://elucidate.co/directory/cirene-finance-s-r-l-cnflit21) - [Mediobanca Societa' di Gestione del Risparmio S.P.A. In Forma Abbreviata Mediobanca Sgr S.P.A. BIC DUSGIT41 Financial institution Not on a tracked register Italy · Not on a tracked register · LEI 5493002OBQ0J7OUIPM33](https://elucidate.co/directory/mediobanca-societa-di-gestione-del-risparmio-s-p-a-in-forma-abbreviata-mediobanc-dusgit41) - [Quarzo S.R.L. BIC QURRITM1 Financial institution Not on a tracked register Italy · Not on a tracked register · LEI 815600702F68B2ED0B22](https://elucidate.co/directory/quarzo-s-r-l-qurritm1) - [Siena Pmi 2016 S.R.L. BIC SNPLIT21 Financial institution Not on a tracked register Italy · Not on a tracked register · LEI 815600F84F96D5CEB844](https://elucidate.co/directory/siena-pmi-2016-s-r-l-snplit21) - [Mediobanca International (Luxembourg) SA BIC MEOILUL1 Credit institution Prudential licence Luxembourg · On the ECB list of supervised entities · LEI 549300DV870NBWY5W279](https://elucidate.co/directory/mediobanca-international-luxembourg-sa-meoilul1) [All 15 institutions in the Banca Monte Dei Paschi di Siena S.P.A. group →](https://elucidate.co/directory/group/J4CP7MHCXR8DAQMKIL78) ### Largest institutions in Italy - [Unicredit S.P.A. BIC UNCRITM1 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/unicredit-s-p-a-uncritm1) - [Banca Monte Dei Paschi di Siena BIC PASCITM1 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banca-monte-dei-paschi-di-siena-pascitm1) - [Banco Bpm SPA BIC BAPPIT21 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banco-bpm-spa-bappit21) - [Iccrea Banca SPA - Istituto Centrale del Credito Cooperativo BIC ICRAITR1 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/iccrea-banca-spa-istituto-centrale-del-credito-cooperativo-icraitr1) - [Banca Antonveneta SPA BIC ANTBIT21 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banca-antonveneta-spa-antbit21) - [Intesa Sanpaolo SPA BIC BLOPIT22 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/intesa-sanpaolo-spa-blopit22) - [Credit Agricole Italia S.P.A. BIC CRPPIT2P Credit institution Prudential licence Italy · On the ECB list of supervised entities · LEI 8156007D348794DB1690](https://elucidate.co/directory/credit-agricole-italia-s-p-a-crppit2p) - [Banca Nazionale del Lavoro SPA BIC BNLIITR1 Financial institution Not on a tracked register Italy · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banca-nazionale-del-lavoro-spa-bnliitr1) [See every BIC in Italy →](https://elucidate.co/directory/country/it#bics) Claim this profile ## Work at Compass Banca SPA? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 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. 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. - **Banking supervision**—Source: European Central Bank, list of supervised entities. - **Wikidata**—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts. - **National bank codes**—Italy (Source: Banca d'Italia). - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. 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 Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. 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: [compass.it](https://www.compass.it/) (official website) · [original](https://www.compass.it/application/themes/compass/assets/img/loghi/logo-compass-banca.png.webp). ## Assess the financial crime risk behind a BIC A BIC identifies an institution; 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, built for correspondent banking and counterparty due diligence. [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.