Slovakia · Payments & e-money
Home Credit Slovakia, a.s.
Home Credit Slovakia, a.s. is a Slovak joint-stock company based in Piešťany. It provides consumer credit under Act No. 129/2010 and acts as a payment institution under Act No. 492/2009. It is also an independent financial agent in insurance and is supervised by Národná banka Slovenska (NBS). Since 2023 it has been a subsidiary of the Czech bank Air Bank a.s., within PPF Group. It offers cash loans, card-based revolving credit, point-of-sale instalment finance, car finance, loan consolidation and business loans to customers in Slovakia.
Licences and registrations
Held by Home Credit Slovakia, a.s. (LEI 097900CAKA0000147706). 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 Slovakia | Payment institutionPayment Institution | 36234176 | Slovakia | Active | 2018-07-13 | — |
|
Search the register ↗ |
- 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.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
100% Air Bank a.s.
Firm type
Lending or buy now, pay later
Trades as Home Credit
- Ownership
- Air Bank a.s. has owned 100% of the firm since 2023, within PPF Financial Holdings of PPF Group, and GLEIF reports AMALAR HOLDING s.r.o. as the ultimate parent.
- Direct parent
- Air Bank a.s., Czechia 100%
- Ultimate owner
- AMALAR HOLDING s.r.o., Czechia
- Head office
- Krajinská 2954/32, 921 01 Piešťany, Slovakia
- Company register
- Commercial Register of the District Court Trnava, section Sa, file 10130/T (IČO 36 234 176)
- Incorporated
- 1999
Online
- Websites & references
- homecredit.sk ↗
bezvasplatky.sk ↗ promotional site for instalment-purchase offers, linked from the homepage
autoklient.homecredit.sk ↗ client web application for car finance - Official social accounts
- LinkedIn ↗ · Facebook ↗ · YouTube ↗
- Apps
- Google Play ↗ · App Store ↗
Sources · 10 pages consulted
- homecredit.sk/
- homecredit.sk/kontakt
- homecredit.sk/o-nas/profil-spolocnosti
- homecredit.sk/tlacove-spravy/cisty-zisk-skupiny-air-bank-za-prvni-polovinu-roku-2026-vzrostl-o-23-a-pre
- homecredit.sk/tlacove-spravy/home-credit-na-slovensku-meni-po-17-rokoch-sidlo-centraly
- homecredit.sk/dolezite-dokumenty
- homecredit.sk/vop/ru
- homecredit.sk/sikovny-ucet/karta
- homecredit.sk/tlacove-spravy
- airbank.cz/novinky/cesky-a-slovensky-home-credit-formalne-prejdou-pod-air-bank-klienti-zadnou-zmenu-
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
NBS supervises the firm as a consumer-credit creditor under Act No. 129/2010, as a payment institution under Act No. 492/2009 and as an independent financial agent in insurance. It issues its own payment cards linked to customers' credit accounts.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Národná banka Slovenska (NBS) Slovakia | Payment institution (Act No. 492/2009 on payment services) | 36234176 | In its own name | Active | homecredit.sk ↗ |
| Národná banka Slovenska (NBS) Slovakia | Creditor providing consumer credit (Act No. 129/2010) | — | In its own name | Active | homecredit.sk ↗ |
| Národná banka Slovenska (NBS) Slovakia | Independent financial agent in the insurance sector (Act No. 186/2009) | — | In its own name | Active | homecredit.sk ↗ |
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
It offers revolving credit on a card (Flexibilná pôžička), fixed-term loans, loan consolidation, instalment purchases in partner shops and e-shops (Šikovný účet), car finance, device leasing and business loans of up to EUR 20,000. According to its press release, it lent EUR 351.2 million in Slovakia in 2025.
It serves customers in Slovakia through its own branches, partner retailers and online channels. A sister company, Home Credit a.s., serves the Czech Republic.
- Sells to
- Consumers · Small businesses
- Serves customers in
- Slovakia
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Luděk Jírů Generálny riaditeľ (Chief Executive Officer)
- Chief financial officer
- Jiří Halouzka Riaditeľ divízie Financie (Director, Finance Division)
- Compliance / MLRO
- Silvia Žižková Riaditeľka divízie Právne a Compliance (Director, Legal and Compliance Division)
- Executive
- Jaroslav Zlatohlávek Riaditeľ divízie Risk a Collections (Director, Risk and Collections Division)
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm moved its head office within Piešťany from Teplická 7434/147 to Krajinská 2954/32 on 15 December 2025.
homecredit.sk ↗
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
- Licence no. · EBA-PSD2
- 36234176
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 2af44dd2b200
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.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Licensed in
- Slovakia · Europe & Central Asia
- First registered
- 2018-07-13
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
- Air Bank a.s. · Czechia31570010000000049662 ↗
- Ultimate parent
- Amalar Holding s.r.o. · Czechia984500CE58365CB10V25 ↗
The Amalar Holding s.r.o. group has 6 institutions in the directory, in 3 countries: 4 hold a BIC and 2 do not.
Including Home Credit a.s., Air Bank A.S., Ppf Banka A.S., Skoda Transportation A.S., Yettel Bank Ad.
See the Amalar Holding s.r.o. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Krajinská 2954/32, Piešťany, 92101
- Country
- Slovakia
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in one address line
<FinInstnId>
<LEI>097900CAKA0000147706</LEI>
<Nm>Home Credit Slovakia, a.s.</Nm>
<PstlAdr>
<PstCd>92101</PstCd>
<TwnNm>Piešťany</TwnNm>
<Ctry>SK</Ctry>
<AdrLine>Krajinská 2954/32</AdrLine>
</PstlAdr>
</FinInstnId>- CBPR+ does not accept the characters š ť á in names and addresses. Transliterate before sending.
CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
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 →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ 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.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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