Poland · Payments & e-money
Fintecom Sp. Z O.O.
Legal name in the LEI recordFINTECOM SPÓŁKA AKCYJNA
Fintecom S.A. is a Polish joint-stock company based in Koszalin. The Polish Financial Supervision Authority (KNF) authorises it as a national payment institution (krajowa instytucja płatnicza) under register number IP4/2013. Agnieszka Remus and Romuald Remus, who also sit on its management board, hold most of its shares. It runs the England.pl online money transfer service between the United Kingdom and Poland and the FX City service for transfers within Europe, and it also owns the GG (formerly Gadu-Gadu) messenger. For payments funded by UK bank transfer, England.pl's terms say its UK subsidiary Fintecom Limited provides the service as a distributor of the FCA-authorised electronic money institution Keel Money Ltd.
Licences and registrations
Held by Fintecom Spółka Akcyjna (LEI 9845009BCDE740B5E726). 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 RegisterPolish Financial Supervision AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 6692501424 | Poland | Active | 2013-01-29 | — |
|
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
- FNTMPLP2XXX 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 FNTMPLP2 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
- 2022-06-04
- Last updated
- 2022-06-04
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Privately held
Firm type
Money remittance
Trades as England.pl
- Standing
- On 5 September 2023 the firm converted from Fintecom Sp. z o.o. into a joint-stock company, Fintecom S.A. The company had been renamed from England.pl Sp. z o.o. to Fintecom Sp. z o.o. in October 2019. The KNF authorisation IP4/2013, granted on 29 January 2013, continues under the new legal form.
- Ownership
- According to its investor relations page, Agnieszka Remus held 53.99% of the capital and Romuald Remus 43.19%, with minority shareholders holding the rest.
- Major shareholders
- Agnieszka Remus 53.99%
Romuald Remus 43.19% - Head office
- ul. Marszałka Józefa Piłsudskiego 45, 75-502 Koszalin, Poland
- Company register
- KRS 0001056179 (formerly KRS 0000362067 as a limited liability company)
- Incorporated
- 30 Jul 2010
- Former names
- Fintecom Sp. z o.o. · England.pl Sp. z o.o.
Online
- Websites & references
- england.pl ↗
fintecom.net ↗ corporate and investor relations site
fxcity.pl ↗ FX City money transfer brand site - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗
Sources · 10 pages consulted
- england.pl/firma/o-nas
- england.pl/firma/regulamin
- england.pl/firma/lad-korporacyjny
- fxcity.pl/o-firmie/o-nas
- fintecom.net/about-us/
- fintecom.net/investor-relations/
- fintecom.co.uk/about-us/
- mycompanypolska.pl/artykul/fintecom-zbieral-fundusze-m-in-na-rozwoj-gadu-gadu-kwota-nizsza-od-oczekiwan/1886
- biuroprasowe.gg.pl/polski-komunikator-gg-zmieni-sie-w-globalna-super-aplikacje-ggapp/
- biuroprasowe.gg.pl/gg-coraz-blizej-crowdfundingu/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Polish Financial Supervision Authority (KNF) authorises the firm as a national payment institution for money remittance, register number IP4/2013. England.pl's terms say UK-funded transfers are provided by the subsidiary Fintecom Limited, which distributes electronic money for the FCA-authorised Keel Money Ltd (FRN 1020783).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Polish Financial Supervision Authority (KNF) Poland | Krajowa instytucja płatnicza (national payment institution) | IP4/2013 | In its own name | Active | england.pl ↗ |
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 customers' funds are held in separate dedicated client bank accounts and are not covered by the Polish Bank Guarantee Fund or the UK Financial Services Compensation Scheme.
- Acquirer / processor
- Krajowy Integrator Płatności S.A. (Tpay) Poland
- Payment schemes and card networks
- BLIK Through a partner england.pl ↗
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
England.pl sends GBP to UK bank accounts and PLN to Polish bank accounts, with currency conversion and no cash pay-in or cash pick-up. FX City handles transfers to and from the Czech Republic, Norway, the United Kingdom and euro area countries.
It serves customers sending money between Poland and the United Kingdom, and through FX City it serves other European corridors under its Polish licence.
- Revenue
- PLN 3.35m
- Payment volume
- PLN 400mannual transfer volume as stated on the England.pl website
- Sells to
- Consumers · Small businesses
- Serves customers in 2 countries
- Poland · United Kingdom
- Latest funding round
- equity crowdfunding (Emiteo) · PLN 199,400 Sep 2025
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Romuald Remus President of the Management Board
- Chair
- Dawid Skrzypczak Chairman of the Supervisory Board
- Executive
- Agnieszka Remus Vice-President of the Management Board
- Executive
- Anna Bartkiewicz Member of the Management Board
Recent events
Researched 29 Sep 2026 · Sources
-
Funding
The firm raised PLN 199,400 from 124 investors in an equity crowdfunding issue on Emiteo, about 10.4% of the planned amount.
mycompanypolska.pl ↗ -
Funding
The firm launched an equity crowdfunding campaign on Emiteo to fund development of its GG messenger.
biuroprasowe.gg.pl ↗
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
- FNTMPLP2XXX
- How the BIC breaks down
- FNTMBank
- PLCountry · Poland
- P2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9845009BCDE740B5E726
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 6692501424
- 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
- c687ea06058c
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
- Money remittance
- Payment services
- Licensed in
- Poland
- Country · region
- Poland · 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
- MARSZALKA JOZEFA PILSUDSKIEGO 45 KOSZALIN 75-502 POLAND
- Operational address
- MARSZALKA JOZEFA PILSUDSKIEGO 45 KOSZALIN 75-502 KOSZALIN POLAND
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>FNTMPLP2XXX</BICFI>
<LEI>9845009BCDE740B5E726</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>FNTMPLP2XXX</BICFI>
<LEI>9845009BCDE740B5E726</LEI>
<Nm>FINTECOM SP. Z O.O.</Nm>
<PstlAdr>
<TwnNm>KOSZALIN</TwnNm>
<Ctry>PL</Ctry>
<AdrLine>MARSZALKA JOZEFA PILSUDSKIEGO 45 KOSZALIN 75-502</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
- 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: england.pl (official website) · original.
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