Germany · Payments & e-money
HonorarKonzept GmbH
HonorarKonzept GmbH is a German limited liability company based in Göttingen. The Federal Financial Supervisory Authority (BaFin) authorises it as a payment institution for money remittance (Finanztransfergeschäft) under § 10 of the Payment Services Supervision Act (ZAG). The IDEAL Versicherungsgruppe bought the firm from Swiss Insurevolution Partners AG in 2022, and BaFin approved the acquisition in December 2022. IDEAL Lebensversicherung a.G. is now its parent. The firm serves financial advisers in Germany who charge fees rather than commission. It collects and pays out their fees, and it also provides coaching, advisory software and access to insurance products sold without commission.
Licences and registrations
Held by HonorarKonzept GmbH (LEI 8945005SS8X9O0ZERA54). 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 RegisterFederal Financial Supervisory Authority | Payment institutionPayment Institution | 155983 | Germany | Active | 2023-08-03 | — |
|
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
Employees
Not published
Ownership
Group subsidiary
IDEAL Lebensversicherung a.G.
Firm type
Other
Trades as HonorarKonzept
- Ownership
- IDEAL Lebensversicherung a.G., the parent of the IDEAL Versicherungsgruppe, is the firm's direct and ultimate parent according to the GLEIF record.
- Direct parent
- IDEAL Lebensversicherung a.G. ↗, Germany
- Head office
- Herzberger Landstraße 25, 37085 Göttingen, Germany
- Company register
- Amtsgericht Göttingen HRB 200802
Online
- Websites & references
- honorarkonzept.de ↗
fortuna.honorarkonzept.de ↗ partner login portal - Official social accounts
- LinkedIn ↗ · Facebook ↗ · YouTube ↗ · Xing ↗
Sources · 10 pages consulted
- honorarkonzept.de/impressum.html
- honorarkonzept.de/
- honorarkonzept.de/ueber-uns.html
- honorarkonzept.de/honorarservices.html
- honorarkonzept.de/honorare-mit-altersvorsorgeprodukten.html
- honorarkonzept.de/honorar-presse.html
- versicherungsbote.de/id/4908847/BaFin-winkt-Ubernahme-von-myLife-und-HonorarKonzept-durch/
- versicherungswirtschaft-heute.de/koepfe-und-positionen/2025-06-12/andreas-mueller-wird-neuer-geschaeftsfuehrer-der-honorar
- finanzwelt.de/post/honorar-konzept-mit-neuem-geschaeftsfuehrer
- cash-online.de/a/alternative-verguetungsmodelle-honorarsumme-um-22-prozent-gesteigert-714257/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
BaFin authorises the firm as a payment institution for money remittance under § 10 ZAG. The Chamber of Industry and Commerce Hannover also licenses it as an insurance broker, a financial investment intermediary and a loan intermediary under the Trade Regulation Act (GewO).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Federal Financial Supervisory Authority (BaFin) Germany | Erlaubnis als Zahlungsdienstleister nach § 10 ZAG (Finanztransfergeschäft) | 155983 | In its own name | Active | honorarkonzept.de ↗ |
| Chamber of Industry and Commerce Hannover (IHK Hannover), registered with the DIHK Germany | Erlaubnis nach § 34d Abs. 1 GewO (Versicherungsmakler) | D-33FP-1YPPJ-23 | In its own name | Active | honorarkonzept.de ↗ |
| Chamber of Industry and Commerce Hannover (IHK Hannover), registered with the DIHK Germany | Erlaubnis nach § 34f Abs. 1 S. 1 GewO (Finanzanlagenvermittler) | D-F-133-TXAA-22 | In its own name | Active | honorarkonzept.de ↗ |
| Chamber of Industry and Commerce Hannover (IHK Hannover) Germany | Erlaubnis nach § 34c Abs. 1 Nr. 2 GewO (Darlehensvermittler) | — | In its own name | Active | honorarkonzept.de ↗ |
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
The firm collects fees from the clients of partner financial advisers, invoices those clients and pays the fees out to the advisers every 14 days. It also provides coaching, advisory software and insurance products sold without commission.
The firm says it works with financial advisers across Germany.
- Payment volume
- EUR 23mfees paid out to partner advisers (ausgezahlte Honorare)
- Sells to
- Small businesses
- Serves customers in
- Germany
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Andreas Müller Geschäftsführer (managing director)
- Executive
- Kai Brettschneider Geschäftsführer (managing director)
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Andreas Müller, previously managing director of sister company myServiceKonzept GmbH, joined the firm's management on 1 July 2025.
finanzwelt.de ↗ -
Licence
BaFin authorised the firm as a payment institution for money remittance, entered on the EBA register from 3 August 2023.
honorarkonzept.de ↗
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
- 155983
- 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
- 35a35fe5043e
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
- Money remittance
- Payment services
- Licensed in
- Germany · Europe & Central Asia
- First registered
- 2023-08-03
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
- Ideal Lebensversicherung a.G. · Germany391200U1YRJKHGN16283 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Herzberger Landstraße 25 | 37085 Göttingen, Göttingen, 37085
- Country
- Germany
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 two address lines
<FinInstnId>
<LEI>8945005SS8X9O0ZERA54</LEI>
<Nm>HonorarKonzept GmbH</Nm>
<PstlAdr>
<PstCd>37085</PstCd>
<TwnNm>Göttingen</TwnNm>
<Ctry>DE</Ctry>
<AdrLine>Herzberger Landstraße 25 | 37085</AdrLine>
<AdrLine>Göttingen</AdrLine>
</PstlAdr>
</FinInstnId>- The address line repeats the town or postcode. Remove the repeat if your payment system rejects it.
- CBPR+ does not accept the characters ö ß 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.
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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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