Czechia · Payments & e-money
Direct Fidoo Payments S.R.O.
Direct Fidoo Payments s.r.o. is a Czech limited liability company based in Prague. The Czech National Bank (CNB) authorises it as a payment institution. It issues Fidoo prepaid business Mastercard cards under a licence from Mastercard International. Direct Fidoo Group a.s. owns 100% of the firm, and its 2025 annual report names Pavel Řehák as the ultimate controlling person of the Direct Group. Under the Fidoo brand, it provides payment accounts and cards linked to expense-management software, plus multi-currency FX accounts and foreign payments, to Czech businesses. It does this together with its sister company Direct Fidoo a.s.
Licences and registrations
Held by Direct Fidoo Payments s.r.o. (LEI 315700REQ6Z7IC7QWZ07). 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 | 02690446 | Czechia | Active | 2022-01-13 | — |
|
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.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- DFPSCZP2XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of DFPSCZP2 marks reverse billing.
- 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
- 2024-04-10
- Last updated
- 2024-04-10
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Direct Fidoo Group a.s.
Firm type
E-money and accounts
Trades as Fidoo (Direct Fidoo)
- Ownership
- Direct Fidoo Group a.s. owns 100% of the firm, and the 2025 annual report names Pavel Řehák as the ultimate controlling person.
- Direct parent
- Direct Fidoo Group a.s., Czechia 100%
- Ultimate owner
- Pavel Řehák (ultimate controlling person of the Direct Group; consolidating entity VIGO One s.r.o.), Czechia
- Head office
- Pod Dráhou 1636/1, Holešovice, 170 00 Praha 7, Czechia
- Company register
- Czech Commercial Register (Municipal Court in Prague) C 222689; IČO 02690446
- Incorporated
- 24 Feb 2014
Online
- Websites & references
- fidoo.com ↗
psd2.fidoo.com ↗ PSD2 regulated standard (third-party access) page, linked from footer
app.fidoo.com ↗ client application and online onboarding
Wikidata Q130556887 ↗ - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗
Sources · 15 pages consulted
- cdn.direct.cz/FINAL_WEB_VZ_DFP_2025_150_3_9ad4fbcc51.pdf
- fidooprod.blob.core.windows.net/assets/assets/Obchodni_podminky_Fidoo_Expense_management_od_2026_08_01_1df4704186.pdf
- fidoo.com/uzitecne-informace
- fidoo.com/o-nas
- fidoo.com/dokumenty
- fidoo.com/bezpecnost
- fidoo.com/fx-a-zahranicni-platby
- fidoo.com/support/?lang=en
- bportugal.pt/en/entidadeautorizada/direct-fidoo-payments-sro
- lb.lt/en/sfi-financial-market-participants/direct-fidoo-payments-s-r-o
- fi.ee/en/payment-services/payment-institutions/payment-services/providers-cross-border-payment-
- mediaguru.cz/martin-vakoc-je-novym-ceo-direct-fidoo
- opojisteni.cz/spektrum/skupina-direct-rakouskou-a1-bank-nakonec-nekoupi/c:31209/
- archiv.hn.cz/c1-67897090-rehakuv-direct-vycouval-z-koupe-rakouske-a1-bank-hlavni-cil-financni-divize-s
- fidoo.com/wp-content/uploads/2024/09/vyrocni_zprava_2023.pdf
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The CNB authorises the firm as a payment institution under the Payment Services Act (Act No. 370/2017) for the services in Section 3(1)(b), (c) and (e). Banco de Portugal, the Bank of Lithuania and Estonia's Finantsinspektsioon list it as an EU payment institution providing services without a branch.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Czech National Bank Czechia | Payment institution (Section 3(1)(b), (c) and (e) of the Payment Services Act) | 02690446 | In its own name | Active | fidoo.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 accountsAccording to its terms, customer funds are held apart from the firm's own assets in a special payment-institution bank account and protected under the Payment Services Act. The terms add that this account is insured up to EUR 100,000 against failure of the holding bank.
- Payment schemes and card networks
- Mastercard Direct fidoo.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 prepaid business Mastercard cards and a CZK payment account linked to expense-management software. It also offers a multi-currency account for FX conversion in 24 currencies and foreign payments.
It serves mainly Czech businesses. Regulators in Portugal, Lithuania and Estonia list it as providing cross-border services under its Czech authorisation.
- Revenue
- CZK 132.2m
- Payment volume
- CZK 4.26bnvolume of payment transactions (Direct Fidoo Payments s.r.o. and Direct Fidoo a.s. combined)
- Sells to
- Small businesses · Enterprises
- Serves customers in
- Czechia
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Martin Vakoč
Chief Executive Officer; jednatel (managing director)
- Chief financial officer
-
Richard Vojtěch
Chief Financial Officer; jednatel (managing director)
- Compliance / MLRO
- Martina Janiuková Chief Compliance Officer
- Executive
-
Petr Bezděka
Chief Technical Officer
- Executive
-
Radek Hájek
Chief Client Officer
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
Direct Group withdrew its application to acquire Austria's A1 Bank, a transaction that Fidoo's management had been leading.
opojisteni.cz ↗ -
Leadership
Direct Fidoo named Martin Vakoč as chief executive. He had become a managing director of the firm on 1 January 2026.
mediaguru.cz ↗ -
Funding
Direct Fidoo Group a.s. contributed CZK 79.7 million to the firm's capital funds in four instalments during 2025.
cdn.direct.cz ↗ -
Merger / acquisition
Direct Group announced it would buy A1 Bank from A1 Telekom Austria to build a digital bank for small and medium businesses.
opojisteni.cz ↗ -
Licence
Banco de Portugal recorded the start of the firm's cross-border payment services in Portugal on 1 August 2024.
bportugal.pt ↗
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
- DFPSCZP2XXX
- How the BIC breaks down
- DFPSBank
- CZCountry · Czechia
- P2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 315700REQ6Z7IC7QWZ07
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 02690446
- 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
- d7d64a4961e5
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
- Founded
- 2014
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
- POD DRAHOU 1636/1 PRAGUE 17000 CZECHIA
- Operational address
- POD DRAHOU 1636/1 PRAGUE 17000 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+
- 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>DFPSCZP2XXX</BICFI>
<LEI>315700REQ6Z7IC7QWZ07</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>DFPSCZP2XXX</BICFI>
<LEI>315700REQ6Z7IC7QWZ07</LEI>
<Nm>DIRECT FIDOO PAYMENTS S.R.O.</Nm>
<PstlAdr>
<TwnNm>PRAGUE</TwnNm>
<Ctry>CZ</Ctry>
<AdrLine>POD DRAHOU 1636/1 PRAGUE 17000</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
- 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.
- 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: fidoo.com (official website) · original; Martin Vakoč: fidoo.com (official website) · original; Richard Vojtěch: fidoo.com (official website) · original; Petr Bezděka: fidoo.com (official website) · original; Radek Hájek: fidoo.com (official website) · original.
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