Malta · Payments & e-money
Finductive LTD
Finductive Ltd is a limited liability company incorporated in Malta, with its head office in Birkirkara. The Malta Financial Services Authority (MFSA) licenses it as a financial institution to provide payment services under the Financial Institutions Act (Cap. 376). It offers corporate and personal payment accounts with Maltese IBANs, SEPA and Swift transfers, multi-currency balances, currency exchange and Mastercard debit cards. Its main clients are businesses in iGaming, aviation, maritime and yachting and corporate service providers. In December 2025 it moved to a new payments platform built on Temenos software.
Licences and registrations
Held by Finductive LTD (LEI 984500ECB3B8BSDD0D88). 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 RegisterMalta Financial Services AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | C 89272 | Malta | Active | 2019-03-18 | — |
|
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
- FINDMTMTXXX 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 FINDMTMT directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · VOP
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2019-05-04
- Last updated
- 2024-04-10
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Not published
Firm type
E-money and accounts
Trades as Finductive
- Head office
- Level 2C, Centris Business Gateway II, Triq is-Salib tal-Imriehel, Zone 3, Central Business District, CBD3020 Birkirkara, Malta
- Company register
- Malta Business Registry C 89272
Online
- Websites & references
- finductive.com ↗
my.finductive.com ↗ client login platform
onboarding.finductive.com ↗ account onboarding portal
cards-onboarding.finductive.com ↗ card ordering portal - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗
Sources · 9 pages consulted
- finductive.com/
- finductive.com/about/
- finductive.com/wp-content/uploads/2026/04/Finductive-Cardholder-Terms-and-Conditions.pdf
- bportugal.pt/en/entidadeautorizada/finductive-ltd
- finductive.com/2025/02/19/finductives-new-ceo-alex-konewko/
- temenos.com/press_release/finductive-goes-live-with-temenos-to-power-digital-payments-platform/
- whoswho.mt/en/finductive-to-launch-mastercard-debit-card-for-corporate-expense-management
- whoswho.mt/en/understanding-our-clients-enables-us-to-provide-efficient-payment-solutions-to-our-gro
- financemalta.org/news/member-spotlight-finductive/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The MFSA licenses the firm as a financial institution carrying out payment services under the Second Schedule of the Financial Institutions Act (Cap. 376). The EBA payment institutions register lists it under number C 89272 for payment services and card acquiring. The Banco de Portugal also lists the firm, with 6 September 2025 as its start date in Portugal. The total number of EEA states covered by its passport is not published.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Malta Financial Services Authority Malta | Financial institution licence (payment services, Second Schedule, Financial Institutions Act Cap. 376) | C 89272 | In its own name | Active | — |
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 clients' funds are held with credit institutions and/or invested in secure liquid low-risk assets, in accounts kept separate from its own funds, and that deposit guarantee schemes do not apply.
- Payment schemes and card networks
- Swift Direct finductive.com ↗
SEPA Credit Transfer Access not stated finductive.com ↗
Mastercard Access not stated temenos.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 provides payment accounts with Maltese IBANs, SEPA and Swift transfers, multi-currency balances, currency exchange, mass payments and Mastercard debit cards. It focuses on iGaming, aviation, maritime and yachting firms, affiliates and corporate service providers.
The firm serves clients from Malta. The Banco de Portugal lists it as active in Portugal from 6 September 2025 under its Maltese authorisation.
- Sells to
- Small businesses · Enterprises · Consumers
- Serves customers in 2 countries
- Malta · Portugal
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Alex Konewko
CEO & Director
- Chief financial officer
-
Carsten Schaefer
CFO & Director
- Executive
-
Steffen Schumacher
Director
- Executive
-
Bjorn Grech
Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Temenos announced that the firm had gone live on Temenos Accounts, Payments and Financial Crime Mitigation software for its new payments platform.
temenos.com ↗ -
Licence
The Banco de Portugal listed the firm as active in Portugal from 6 September 2025.
bportugal.pt ↗ -
Leadership
The firm announced Alex Konewko as its new Chief Executive Officer, succeeding Julian Goffin. His appointment was then pending MFSA approval.
finductive.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
Head-office record
- BIC
- FINDMTMTXXX
- How the BIC breaks down
- FINDBank
- MTCountry · Malta
- MTLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 984500ECB3B8BSDD0D88
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- C 89272
- 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
- bc3654aab999
- National bank code
- Sort code 97000
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
- Malta
- Country · region
- Malta · Middle East & North Africa
- Banking supervision
- Not on the ECB's list of supervised entities 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
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
- CENTRIS BUSINESS GATEWAY II FLOOR 2 TRIQ IS- SALIB TAL- IMRIEHEL, ZONE 3 CENTRAL BUSINESS DISTRICT, BIRKIRKARA CBD3020 MALTA
- Operational address
- CENTRIS BUSINESS GATEWAY II FLOOR 2 46 TRIQ IS- SALIB TAL- IMRIEHEL, ZONE 3 CENTRAL BUSINESS DISTRICT, BIRKIRKARA CBD3020 BIRKIRKARA MALTA
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>FINDMTMTXXX</BICFI>
<LEI>984500ECB3B8BSDD0D88</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>FINDMTMTXXX</BICFI>
<LEI>984500ECB3B8BSDD0D88</LEI>
<Nm>FINDUCTIVE LTD</Nm>
<PstlAdr>
<TwnNm>BIRKIRKARA</TwnNm>
<Ctry>MT</Ctry>
<AdrLine>CENTRIS BUSINESS GATEWAY II FLOOR 2 TRIQ IS- SALIB TAL- IMRIEHEL</AdrLine>
<AdrLine>ZONE 3 CENTRAL BUSINESS DISTRICT, BIRKIRKARA CBD3020</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.
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 Credit TransferISO 20022 messages | 2019-09-10 | Head office | — |
| Verification of Payee | 2025-10-05 | 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
Sort code · Malta
1 code file of 2026-09-23
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 97000 | FINDMTMT | Finductive Ltd. | Zebbug |
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.
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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
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- National bank codes—Malta (Source: Central Bank of Malta).
- 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: finductive.com (official website) · original; Alex Konewko: finductive.com (official website) · original; Carsten Schaefer: finductive.com (official website) · original; Steffen Schumacher: finductive.com (official website) · original; Bjorn Grech: finductive.com (official website) · original.
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