United Kingdom · Payments & e-money
Creation Financial Services Limited
Creation Financial Services Limited is a private limited company incorporated in England in 1973 as Selfridges Finance Limited. Its head office is in Solihull. The Financial Conduct Authority (FCA) authorises it under firm reference number 313153 as a consumer credit firm. It also appears on the FCA register as an authorised payment institution. It is wholly owned by Alpha Credit S.A. of Belgium, part of the BNP Paribas group, and forms part of BNP Paribas Personal Finance UK. Its sister company Creation Consumer Finance Limited also trades as Creation. The firm administers credit card and store card accounts for UK consumers, including cards run for retail partners. It closed its own-brand Creation Credit Card on 1 December 2025.
Licences and registrations
Held by Creation Financial Services Limited (LEI 529900TWF4TMWZ4JU335). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 313153 | United Kingdom | Active | 2018-05-21 | — |
|
Search the register ↗ |
Trading names on the register: OMODA JAECOO EUROPE FINANCE (FCA-PSD), BNP Paribas Personal Finance (FCA-PSD)
- 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.
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- BNP Paribas
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 2 of 5 · extra capital buffer 1.5% of risk-weighted assets
- On the list since
- 2011
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- BNPAGB3SXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under BNPAGB3S directly.
- 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
- 2023-10-21
- Last updated
- 2024-05-25
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
100% Alpha Credit S.A.
Firm type
Lending or buy now, pay later
Trades as Creation
- Standing
- The firm closed its own-brand Creation Credit Card to all customers on 1 December 2025. Existing cardholders must still repay their outstanding balances. Companies House lists the company as active.
- Ownership
- Alpha Credit S.A. of Belgium owns 100% of the firm, and BNP Paribas SA is the ultimate parent.
- Direct parent
- Alpha Credit S.A., Belgium 100%
- Ultimate owner
- BNP Paribas, France
- Head office
- Air, 35 Homer Road, B91 3QJ Solihull, United Kingdom
- Company register
- Companies House 01091883
- Incorporated
- 23 Jan 1973
- Former names
- SEARS FINANCIAL SERVICES LIMITED · SELFRIDGES FINANCE LIMITED
Online
- Websites & references
- creation.co.uk ↗
bnpparibas-pf.co.uk ↗ Corporate site of BNP Paribas Personal Finance UK (group level), linked from the creation.co.uk footer
Wikipedia ↗ group article - Official social accounts
- None found
- Apps
- App Store ↗ · Google Play ↗ · App Store ↗ · Google Play ↗
Sources · 13 pages consulted
- find-and-update.company-information.service.gov.uk/company/01091883
- find-and-update.company-information.service.gov.uk/company/01091883/officers
- find-and-update.company-information.service.gov.uk/company/01091883/persons-with-significant-control
- register.fca.org.uk/s/firm?id=001b000000MfRA4AAN
- creation.co.uk/
- creation.co.uk/about-us/our-companies/creation-financial-services-ltd
- creation.co.uk/about-us/legal-information
- creation.co.uk/credit-cards/
- creation.co.uk/credit-cards/closure/
- s3.creation.co.uk/public/documents/cfs-s172-statement-2024.pdf
- bnpparibas-pf.co.uk/news/introducing-our-new-chief-commercial-officer
- finance-connect.com/bnp-paribas-personal-finance-opens-new-headquarters-in-solihull/
- en.wikipedia.org/wiki/BNP_Paribas_Personal_Finance_UK
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm under firm reference number 313153 for consumer credit activities and insurance distribution. The FCA register also lists it as an authorised payment institution.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised firm (consumer credit and insurance distribution) | 313153 | In its own name | Active | register.fca.org.uk ↗ |
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 313153 | In its own name | Active | register.fca.org.uk ↗ |
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.
Products and markets
Researched 29 Sep 2026 · Sources
The firm administers credit card and store card accounts for UK consumers, including cards it runs for retail partners and branded card programmes. It closed its own-brand Creation Credit Card on 1 December 2025.
The firm serves consumers in the United Kingdom under its FCA authorisation.
- Sells to
- Consumers · Enterprises
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Stephen Andrew Robert Hunt Director; Chief Executive Officer, BNP Paribas Personal Finance UK
- Executive
- Lakshmi Krishna Moorthy Director
- Executive
- Ethel Paraud Director
- Executive
- Anais Raynaud Director
- Executive
- Michael Stefan Redferne Director
- Executive
- Gaetan Benoit Vercruysse Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed Gaetan Benoit Vercruysse as a director on 2 May 2026.
find-and-update.company-information.service.gov.uk ↗ -
Other
The firm closed its Creation Credit Card to all customers on 1 December 2025 under Clause 14 of the credit agreement.
creation.co.uk ↗ -
Other
BNP Paribas Personal Finance UK moved its Solihull headquarters to the AIR building on Homer Road.
finance-connect.com ↗ -
Leadership
The firm appointed Anais Raynaud as a director on 25 October 2023.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Michael Stefan Redferne as a director on 30 June 2023, after Jean Pierre Charles resigned on 31 May 2023.
find-and-update.company-information.service.gov.uk ↗ -
Other
Alpha Credit S.A. replaced BNP Paribas Personal Finance S.A. as the firm's person with significant control on 31 March 2023.
find-and-update.company-information.service.gov.uk ↗
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
- BNPAGB3SXXX
- How the BIC breaks down
- BNPABank
- GBCountry · United Kingdom
- 3SLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 529900TWF4TMWZ4JU335
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 313153
- 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 on the UK company number the register gives.
- Register-entry ID
- 7b411d49dfca
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
- Licensed in
- United Kingdom
- Website (register)
- www.creation.co.uk ↗
- Country · region
- United Kingdom · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · BNP Paribas list of 2025
- 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
- Direct parent
- BNP Paribas · FranceR0MUWSFPU8MPRO8K5P83 ↗
- FSB G-SIB list
- In a G-SIB group · BNP Paribas bucket 2 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The BNP Paribas group has 140 institutions in the directory, in 63 countries: 136 hold a BIC and 4 do not.
Including BNP Paribas, Banca Nazionale del Lavoro SPA, BNP Paribas Fortis SA/NV, BNP Paribas, BNP Paribas Financial Markets.
See the BNP Paribas group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- CHADWICK HOUSE BLENHEIM COURT SOLIHULL B91 2AA UNITED KINGDOM
- Operational address
- CHADWICK HOUSE, BLENHEIM COURT SOLIHULL SOLIHULL B91 2AA UNITED KINGDOM
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+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>BNPAGB3SXXX</BICFI>
<LEI>529900TWF4TMWZ4JU335</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>BNPAGB3SXXX</BICFI>
<LEI>529900TWF4TMWZ4JU335</LEI>
<Nm>CREATION FINANCIAL SERVICES LIMITED</Nm>
<PstlAdr>
<TwnNm>SOLIHULL</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>CHADWICK HOUSE BLENHEIM COURT SOLIHULL B91 2AA</AdrLine>
</PstlAdr>
</FinInstnId>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
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ 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.
- 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: creation.co.uk (official website) · original.
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