Poland · Payments & e-money
Igoria Trade Spolka Akcyjna
Legal name in the LEI recordIGORIA TRADE SPÓŁKA AKCYJNA
Igoria Trade S.A. is a Polish joint-stock company based in Warsaw. The Polish Financial Supervision Authority (KNF) has authorised it as a national payment institution since December 2013, under licence IP19/2013. Its shares trade on the NewConnect market of the Warsaw Stock Exchange, and IGORIAX Pte. Ltd. is the largest shareholder with about 46%. It sells multi-currency prepaid Mastercard cards, virtual IBAN accounts, online currency exchange, transfers and escrow accounts to individuals and businesses. These are sold under the IgoriaCard, Trejdoo and Klasomat brands and through an API.
Licences and registrations
Held by Igoria Trade Spółka Akcyjna (LEI 259400YBU9I4GGIGZ712). 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 | 5252507681 | Poland | Active | 2013-12-20 | — |
|
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
- IGTRPLPWXXX 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 IGTRPLPW directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2020-09-26
- Last updated
- 2024-02-16
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Publicly listed
Ticker IGT
Firm type
FX and business payments
Trades as IgoriaCard; Trejdoo
- Ownership
- The firm is listed on NewConnect. According to its shareholder page, IGORIAX Pte. Ltd. holds 46.073%, Dorota Krawczyk 15.412% and NVM TRADING Sp. z o.o. 6.964%.
- Major shareholders
- IGORIAX Pte. Ltd. 46.073% · 27 May 2021
Dorota Krawczyk 15.412% · 2 Dec 2024
NVM TRADING Sp. z o.o. 6.964% · 27 May 2021 - Stock listing
- Warsaw Stock Exchange (NewConnect) IGT
- Head office
- ul. Puławska 111A/109, 02-707 Warszawa, Poland
- Company register
- KRS 0000385303
- Incorporated
- 2011
Online
- Websites & references
- igoriatrade.com ↗
igoriacard.com ↗ IgoriaCard multi-currency card and account platform
trejdoo.com ↗ Trejdoo online currency exchange platform
klasomat.pl ↗ Klasomat fund-collection service for schools - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Facebook (IgoriaCard brand) ↗ · X (IgoriaCard brand) ↗ · LinkedIn (IgoriaCard brand) ↗
Sources · 11 pages consulted
- gov.pl/web/finanse/kara-administracyjna-nalozona-przez-knf-na-igoria-trade-sa
- igoriatrade.com/en/
- igoriatrade.com/en/about-igoria-trade/
- igoriatrade.com/en/management/
- igoriatrade.com/en/shareholders/
- igoriatrade.com/en/newsroom/cooperation-with-banking-circle/
- igoriatrade.com/en/newsroom/igoria-trade-sa-becomes-a-blik-settlement-agent/
- igoriacard.com
- igoriacard.com/bezpieczenstwo/
- igoriacard.com/aktualnosci/rachunki-do-wplat-w-ing-oraz-bluecash/
- trejdoo.com/wp-content/uploads/2020/10/Regulamin-Igoria-Trade.pdf
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 under licence IP19/2013. The authorised services include payment accounts, card issuing, acquiring and money remittance. The firm lists 30 EEA states in which it holds permission to provide payment services.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Polish Financial Supervision Authority (KNF) Poland | Krajowa Instytucja Płatnicza (national payment institution) | IP19/2013 | In its own name | Active | igoriacard.com ↗ |
| National Bank of Poland Poland | Registration for foreign exchange (kantor) activity | — | In its own name | Status unconfirmed | igoriatrade.com ↗ |
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 kept in separate bank accounts and never mixed with its own funds. It states that these funds would be excluded from its bankruptcy estate under the Polish Payment Services Act.
- Settlement bank
- Banking Circle Luxembourg
- Payment schemes and card networks
- Mastercard Direct igoriacard.com ↗
BLIK Direct igoriatrade.com ↗
SEPA Credit Transfer Through a partner igoriatrade.com ↗
SEPA Instant Credit Transfer Through a partner igoriatrade.com ↗
Swift Through a partner igoriatrade.com ↗
Faster Payments Through a partner igoriatrade.com ↗
Elixir Through a partner igoriacard.com ↗
BlueCash (AutoPay S.A.) Through a partner igoriacard.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 issues its own multi-currency prepaid Mastercard cards with linked accounts in 16 currencies, and says the cards can pay in over 150 currencies. It also offers online currency exchange, escrow accounts, virtual IBANs and BLIK top-ups. It sells these directly, through an API and through white-label partner portals.
It serves customers from Poland under its KNF licence, which it states is passported to EEA states. It states that the United Kingdom is not a target market.
- Sells to
- Small businesses · Consumers · Platforms and marketplaces · Enterprises
- Serves customers in 30 countries
- Poland · Austria · Belgium · Bulgaria · Croatia · Cyprus · Czechia · Denmark · Estonia · Finland · France · Greece · Spain · Netherlands · Ireland · Iceland · Liechtenstein · Lithuania · Luxembourg · Latvia · Malta · Germany · Norway · Portugal · Romania · Slovakia · Slovenia · Sweden · Hungary · Italy
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Wojciech Kuliński
Chief Executive Officer, Chairman of the Management Board
- Chair
-
Przemysław Kowalewski
Chairman of the Supervisory Board
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Other
The firm announced that it had become a BLIK settlement agent, enabling BLIK top-ups for IgoriaCard users.
igoriatrade.com ↗ -
Other
The firm introduced top-up accounts at ING Bank Śląski in five currencies, together with BlueCash inbound transfers.
igoriacard.com ↗ -
Enforcement
The KNF fined the firm PLN 250,000 for AML breaches, including the risk assessment, customer due diligence, monitoring and payer information.
gov.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
- IGTRPLPWXXX
- How the BIC breaks down
- IGTRBank
- PLCountry · Poland
- PWLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 259400YBU9I4GGIGZ712
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 5252507681
- 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
- 66efaa04dee3
- National bank code
- Numer rozliczeniowy 63000005
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
- Card acquiring
- 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
- UL. PULAWSKA 111A 109 FLOOR 5 WARSZAWA 02-707 POLAND
- Operational address
- UL. PULAWSKA 111A 109 FLOOR 5 WARSZAWA 02-707 WARSZAWA 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 and its PLKNR clearing code
- 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>IGTRPLPWXXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>PLKNR</Cd>
</ClrSysId>
<MmbId>63000005</MmbId>
</ClrSysMmbId>
<LEI>259400YBU9I4GGIGZ712</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>IGTRPLPWXXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>PLKNR</Cd>
</ClrSysId>
<MmbId>63000005</MmbId>
</ClrSysMmbId>
<LEI>259400YBU9I4GGIGZ712</LEI>
<Nm>IGORIA TRADE SPOLKA AKCYJNA</Nm>
<PstlAdr>
<TwnNm>WARSZAWA</TwnNm>
<Ctry>PL</Ctry>
<AdrLine>UL. PULAWSKA 111A 109 FLOOR 5 WARSZAWA 02-707</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 | 2026-02-02 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2026-02-02 | 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
Numer rozliczeniowy · Poland
1 code file of 2026-09-25 · ISO 20022 clearing system code PLKNR
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 63000005 | IGTRPLPWXXX | Igoria Trade Spółka Akcyjna | Warszawa |
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—Poland (Source: Narodowy Bank Polski).
- 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: igoriatrade.com (official website) · original; Wojciech Kuliński: igoriatrade.com (official website) · original; Przemysław Kowalewski: igoriatrade.com (official website) · original.
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