--- title: "Home Credit Slovakia, a.s. · Payment institution (National Bank of Slovakia) · Slovakia | Elucidate" description: "Home Credit Slovakia, a.s. is authorised by National Bank of Slovakia as a payment institution in Slovakia. Licence 36234176. LEI 097900CAKA0000147706. Register status, licences, activities and ownership." url: https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200 --- 1. [Directory](https://elucidate.co/directory) 2. [Slovakia](https://elucidate.co/directory/country/sk) 3. Home Credit Slovakia, a.s. 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. Register status Licensed in Slovakia Payment institution · National Bank of Slovakia Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200#licences) BIC **No BIC** LEI **[097900CAKA0000147706](https://search.gleif.org/#/record/097900CAKA0000147706)** [Licence no. **36234176**](https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200#licences) [Group: Amalar Holding s.r.o.](https://elucidate.co/directory/group/984500CE58365CB10V25) ## 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 Register](https://elucidate.co/directory/register/eba-psd2) National Bank of Slovakia | Payment institutionPayment Institution | 36234176 | [Slovakia](https://elucidate.co/directory/country/sk) | Active | 2018-07-13 | — | - Payment services | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - 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](https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200#overview-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.](https://elucidate.co/directory/air-bank-a-s-airaczpp), 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 ↗](https://www.homecredit.sk/) [bezvasplatky.sk ↗](https://www.bezvasplatky.sk/) promotional site for instalment-purchase offers, linked from the homepage [autoklient.homecredit.sk ↗](https://autoklient.homecredit.sk/) client web application for car finance - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/homecredit) · [Facebook ↗](https://www.facebook.com/homecreditsk) · [YouTube ↗](https://www.youtube.com/user/homecreditcz) - **Apps:** [Google Play ↗](https://play.google.com/store/apps/details?id=cz.homecredit.hcsk) · [App Store ↗](https://apps.apple.com/sk/app/home-credit-sk/id1468057834) Sources · 10 pages consulted 1. [homecredit.sk/](https://www.homecredit.sk/) 2. [homecredit.sk/kontakt](https://www.homecredit.sk/kontakt) 3. [homecredit.sk/o-nas/profil-spolocnosti](https://www.homecredit.sk/o-nas/profil-spolocnosti) 4. [homecredit.sk/tlacove-spravy/cisty-zisk-skupiny-air-bank-za-prvni-polovinu-roku-2026-vzrostl-o-23-a-pre](https://www.homecredit.sk/tlacove-spravy/cisty-zisk-skupiny-air-bank-za-prvni-polovinu-roku-2026-vzrostl-o-23-a-presahl-2-3-miliardy-korun) 5. [homecredit.sk/tlacove-spravy/home-credit-na-slovensku-meni-po-17-rokoch-sidlo-centraly](https://www.homecredit.sk/tlacove-spravy/home-credit-na-slovensku-meni-po-17-rokoch-sidlo-centraly) 6. [homecredit.sk/dolezite-dokumenty](https://www.homecredit.sk/dolezite-dokumenty) 7. [homecredit.sk/vop/ru](https://www.homecredit.sk/vop/ru) 8. [homecredit.sk/sikovny-ucet/karta](https://www.homecredit.sk/sikovny-ucet/karta) 9. [homecredit.sk/tlacove-spravy](https://www.homecredit.sk/tlacove-spravy) 10. [airbank.cz/novinky/cesky-a-slovensky-home-credit-formalne-prejdou-pod-air-bank-klienti-zadnou-zmenu-](https://www.airbank.cz/novinky/cesky-a-slovensky-home-credit-formalne-prejdou-pod-air-bank-klienti-zadnou-zmenu-nepociti/) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200#overview-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 ↗](https://www.homecredit.sk/tlacove-spravy/cisty-zisk-skupiny-air-bank-za-prvni-polovinu-roku-2026-vzrostl-o-23-a-presahl-2-3-miliardy-korun) | | Národná banka Slovenska (NBS) Slovakia | Creditor providing consumer credit (Act No. 129/2010) | — | In its own name | Active | [homecredit.sk ↗](https://www.homecredit.sk/tlacove-spravy/cisty-zisk-skupiny-air-bank-za-prvni-polovinu-roku-2026-vzrostl-o-23-a-presahl-2-3-miliardy-korun) | | Národná banka Slovenska (NBS) Slovakia | Independent financial agent in the insurance sector (Act No. 186/2009) | — | In its own name | Active | [homecredit.sk ↗](https://www.homecredit.sk/tlacove-spravy/cisty-zisk-skupiny-air-bank-za-prvni-polovinu-roku-2026-vzrostl-o-23-a-presahl-2-3-miliardy-korun) | 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](https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200#overview-sources) - Lending - Buy now, pay later 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](https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200#overview-sources) - **Chief executive:** Luděk Jírů Generálny riaditeľ (Chief Executive Officer) Confirmed 29 Sep 2026 · [homecredit.sk ↗](https://www.homecredit.sk/o-nas/profil-spolocnosti) - **Chief financial officer:** Jiří Halouzka Riaditeľ divízie Financie (Director, Finance Division) Confirmed 29 Sep 2026 · [homecredit.sk ↗](https://www.homecredit.sk/o-nas/profil-spolocnosti) - **Compliance / MLRO:** Silvia Žižková Riaditeľka divízie Právne a Compliance (Director, Legal and Compliance Division) Confirmed 29 Sep 2026 · [homecredit.sk ↗](https://www.homecredit.sk/o-nas/profil-spolocnosti) - **Executive:** Jaroslav Zlatohlávek Riaditeľ divízie Risk a Collections (Director, Risk and Collections Division) Confirmed 29 Sep 2026 · [homecredit.sk ↗](https://www.homecredit.sk/o-nas/profil-spolocnosti) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/home-credit-slovakia-a-s-2af44dd2b200#overview-sources) 1. Dec 2025 Other The firm moved its head office within Piešťany from Teplická 7434/147 to Krajinská 2954/32 on 15 December 2025. [homecredit.sk ↗](https://www.homecredit.sk/tlacove-spravy/home-credit-na-slovensku-meni-po-17-rokoch-sidlo-centraly) 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 - **LEI:** [097900CAKA0000147706 ↗](https://search.gleif.org/#/record/097900CAKA0000147706) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 2af44dd2b200 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - **Licensed in:** [Slovakia](https://elucidate.co/directory/country/sk) · 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.](https://elucidate.co/directory/air-bank-a-s-airaczpp) · Czechia[31570010000000049662 ↗](https://search.gleif.org/#/record/31570010000000049662) - **Ultimate parent:** Amalar Holding s.r.o. · Czechia[984500CE58365CB10V25 ↗](https://search.gleif.org/#/record/984500CE58365CB10V25) 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.](https://elucidate.co/directory/home-credit-a-s-cfcba9afdddb), [Air Bank A.S.](https://elucidate.co/directory/air-bank-a-s-airaczpp), [Ppf Banka A.S.](https://elucidate.co/directory/ppf-banka-a-s-pmbpczpp), [Skoda Transportation A.S.](https://elucidate.co/directory/skoda-transportation-a-s-sktacz22), [Yettel Bank Ad](https://elucidate.co/directory/yettel-bank-ad-aaaarsbg). [See the Amalar Holding s.r.o. group →](https://elucidate.co/directory/group/984500CE58365CB10V25) 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 ```xml 097900CAKA0000147706 Home Credit Slovakia, a.s. 92101 Piešťany SK Krajinská 2954/32 ``` - 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. ## Related institutions ### Same group - [Home Credit a.s. No BIC Payments & e-money Prudential licence Czechia · Licensed by Czech National Bank · 26978636 (EBA-PSD2) · LEI 315700S04JY80J2ML916](https://elucidate.co/directory/home-credit-a-s-cfcba9afdddb) - [Air Bank A.S. BIC AIRACZPP Financial institution Not on a tracked register Czechia · Not on a tracked register · LEI 31570010000000049662](https://elucidate.co/directory/air-bank-a-s-airaczpp) - [Ppf Banka A.S. BIC PMBPCZPP Financial institution Not on a tracked register Czechia · Not on a tracked register · LEI 31570010000000036567](https://elucidate.co/directory/ppf-banka-a-s-pmbpczpp) - [Skoda Transportation A.S. BIC SKTACZ22 Non-financial corporate Not on a tracked register Czechia · Not on a tracked register · LEI 31570010000000031135](https://elucidate.co/directory/skoda-transportation-a-s-sktacz22) - [Yettel Bank Ad BIC AAAARSBG Financial institution Not on a tracked register Serbia · Not on a tracked register · LEI 485100OPHRYKVS35S666](https://elucidate.co/directory/yettel-bank-ad-aaaarsbg) [All 6 institutions in the Amalar Holding s.r.o. group →](https://elucidate.co/directory/group/984500CE58365CB10V25) ### Other payments & e-money institutions in Slovakia - [24-pay s.r.o. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 44002602 (EBA-PSD2) · LEI 097900CAKA0000232775](https://elucidate.co/directory/24-pay-s-r-o-ba380b93e495) - [Besteron a.s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 47866233 (EBA-PSD2) · LEI 097900CAKA0000230932](https://elucidate.co/directory/besteron-a-s-9a38c511a6e3) - [BLIK SK, a.s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 47126221 (EBA-PSD2) · LEI 097900BJLT0000217411](https://elucidate.co/directory/blik-sk-a-s-f5c495677ce9) - [EVERIFIN s. r. o. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 46963774 (EBA-PSD2) · LEI 2549001OXMK06VU9QP78](https://elucidate.co/directory/everifin-s-r-o-b4c6c63bb097) - [Payout A.S. BIC PYYUSK22 Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 50487787 (EBA-PSD2) · LEI 097900CAKA0000230253](https://elucidate.co/directory/payout-a-s-pyyusk22) - [SKPAY, a. s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 46552723 (EBA-PSD2) · LEI 097900CAKA0000231708](https://elucidate.co/directory/skpay-a-s-8e4552a86f7a) - [Trust Pay, A.S. BIC TPAYSKBX Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 36865800 (EBA-PSD2) · LEI 8945006ENCWABDU9O641](https://elucidate.co/directory/trust-pay-a-s-tpayskbx) - [Ultima Payments a.s. No BIC Payments & e-money Prudential licence Slovakia · Licensed by National Bank of Slovakia · 46955208 (EBA-PSD2) · LEI 097900BIGH0000159520](https://elucidate.co/directory/ultima-payments-a-s-d361e989496f) [See all →](https://elucidate.co/directory/search?type=payments&cc=SK) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) 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 →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) 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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.