Romania · Payments & e-money
Filbo Pay S.A.
FILBO PAY S.A. is a Romanian joint-stock company based in Bucharest. The National Bank of Romania (BNR) authorised it as an electronic money institution on 25 March 2024, under register number IEME-RO-0004. The firm belongs to the Filbo group. The group also includes OMRO IFN S.A., a non-bank lender, and EasyBill Digital S.R.L. Under the Filbo brand, it offers RON e-money business current accounts through a mobile app. The accounts are for small Romanian businesses and sole traders. The firm launched its current account service in 2025.
Licences and registrations
Held by Filbo Pay S.A. (LEI 9845009EBBF9A38B1B51). 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 RegisterNational Bank of RomaniaLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | 47570431 | Romania | Active | 2024-03-25 | — |
|
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
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Other monetary financial institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- FILBO PAY
- RIAD code
- ROIEME/RO/0004
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- FLPYROB2XXX 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 FLPYROB2 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
- 2024-08-03
- Last updated
- 2024-08-03
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Firm type
E-money and accounts
Trades as Filbo
- Ownership
- The firm describes itself as a member of the Filbo group, whose lending company OMRO IFN S.A. is 84.5% owned by Danube Capital SRL and 15.5% by Helenos SA of Belgium. Press reports describe Filbo Pay as a subsidiary of OMRO IFN S.A.
- Head office
- Strada Nicolae G. Caranfil 71-73, Intrarea B, Etaj 4, Birou 06, Sector 1, 014142 București, Romania
- Company register
- ONRC (Romanian Trade Register) J2023001944403; CUI 47570431
- Incorporated
- 2023
Online
- Websites & references
- filbo.ro ↗
filbopay.ro ↗ Filbo Pay domain used for account support email. It returned an empty page titled Filbo Pay when fetched. - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 11 pages consulted
- filbo.ro/cont-curent/
- filbo.ro/wp-content/uploads/2026/02/ContractFilboPay-2026-Feb-06.pdf
- filbo.ro/cont-curent/utile-cont-curent/
- filbo.ro/contact/
- filbo.ro/echipa-filbo/
- m.bvb.ro/AboutUs/MediaCenter/PressItem/OMRO-compania-de-creditare-a-fintech-ului-Filbo-listeaza-ob
- m.bvb.ro/AboutUs/MediaCenter/PressItem/OMRO-IFN-parte-din-grupul-FILBO-listeaza-o-noua-emisiune-de
- profit.ro/povesti-cu-profit/financiar/filbo-pay-obtine-autorizarea-ca-institutie-de-moneda-electron
- nocash.ro/filbo-pay-obtine-de-la-bnr-licenta-de-institutie-emitenta-de-moneda-electronica-dupa-un-p
- romania-insider.com/omro-ifn-lists-third-bond-issue-bucharest-stock-exchange
- filbopay.ro/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The National Bank of Romania authorises the firm as an electronic money institution under Law 210/2019. Its payment services fall under Law 209/2019. The firm settles transfers to other institutions through an unnamed partner bank.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| National Bank of Romania (BNR) Romania | Electronic money institution (Instituție emitentă de monedă electronică) | IEME-RO-0004 | In its own name | Active | filbo.ro ↗ |
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 deposits customers' funds in a separate safeguarding account at an authorised credit institution under Law 209/2019, apart from its own funds. The accounts are not covered by the Romanian deposit guarantee fund.
- Payment schemes and card networks
- Romanian domestic RON credit transfers (interbank) Through a partner filbo.ro ↗
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 RON e-money business current accounts through the Filbo mobile app. The accounts come with a Romanian IBAN, incoming and outgoing domestic transfers, and viewing and payment of invoices received through ANAF eFactura.
It serves businesses registered in Romania. Its contract limits transfers to RON accounts at authorised institutions in Romania.
- Sells to
- Small businesses
- Serves customers in
- Romania
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Iulian Marinescu Director General
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The Filbo group reported that Filbo Pay had launched its current account service in 2025.
m.bvb.ro ↗ -
Licence
The National Bank of Romania authorised Filbo Pay as an electronic money institution on 25 March 2024.
profit.ro ↗
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
- FLPYROB2XXX
- How the BIC breaks down
- FLPYBank
- ROCountry · Romania
- B2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9845009EBBF9A38B1B51
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 47570431
- 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
- 4ddc05daf9db
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
- E-money / stored value
- Licensed in
- Romania
- Country · region
- Romania · 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
- CEASORNICULUI 3-7 FLOOR 5 BUCHARES 014111 ROMANIA
- Operational address
- CEASORNICULUI 3-7 FLOOR 5 BUCHAREST 014111 BUCHAREST ROMANIA
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>FLPYROB2XXX</BICFI>
<LEI>9845009EBBF9A38B1B51</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>FLPYROB2XXX</BICFI>
<LEI>9845009EBBF9A38B1B51</LEI>
<Nm>FILBO PAY S.A.</Nm>
<PstlAdr>
<Ctry>RO</Ctry>
<AdrLine>CEASORNICULUI 3-7 FLOOR 5 BUCHARES 014111</AdrLine>
</PstlAdr>
</FinInstnId>Swift’s two address fields do not agree on a town, so the full record gives the address as address lines only.
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
- 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 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: filbo.ro (official website) · original.
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