Estonia · Payments & e-money
Ipf Digital AS
IPF Digital AS is an Estonian public limited company (aktsiaselts) based in Tallinn. Finantsinspektsioon authorised it as an electronic money institution on 11 January 2021. It also holds an Estonian creditor licence from Finantsinspektsioon. IPF Digital Group Limited (UK) holds its shares, and the group has been owned by the US firm BasePoint Capital since August 2026. Under the Creditea and Credit24 brands, it offers consumer credit lines, instalment loans and an e-money payment account in the Creditea app to consumers in Estonia, Latvia and Lithuania.
Licences and registrations
Held by Ipf Digital AS (LEI 984500650D127F436942). 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 RegisterEstonian Financial Supervision AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | 11034137 | Estonia | Active | 2021-01-11 | — |
|
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
- IPFDEE22XXX 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 IPFDEE22 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
- 2021-07-17
- Last updated
- 2021-07-17
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
94.4% IPF Digital Group Limited
Firm type
Lending or buy now, pay later
Trades as Creditea
- Standing
- BasePoint Capital completed its acquisition of International Personal Finance plc, the firm's ultimate parent, on 4 August 2026. The firm itself remains registered and authorised in Estonia.
- Ownership
- IPF Digital Group Limited (UK) holds 47,200 of the 50,000 shares (94.4%) and is the sole shareholder, because the firm holds the other 2,800 as treasury shares. The group parent is International Personal Finance plc, which BasePoint Capital has owned since 4 August 2026.
- Direct parent
- IPF Digital Group Limited, United Kingdom 94.4%
- Ultimate owner
- BasePoint Capital LLC, United States
- Head office
- Lõõtsa 5 (VIII korrus), 11415 Tallinn, Estonia
- Company register
- Estonian Business Register 11034137
- Incorporated
- 30 Apr 2004
- Former names
- IPF Digital Estonia AS · IPF Digital Estonia OÜ · MCB Finance Estonia OÜ · Mobile Credit Estonia OÜ · Mobile Credit Baltic OÜ · Osaühing Mobile Credit Nordic · Osaühing Jacob Group
Online
- Websites & references
- creditea.com ↗
credit24.ee ↗ Credit24 brand site (website listed in the company register)
documents.ipfdigital.io ↗ legal documents and annual reports repository
Wikipedia ↗ group article - Official social accounts
- Facebook ↗ · Instagram ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 12 pages consulted
- ariregister.rik.ee/est/company/11034137/IPF-Digital-AS
- fi.ee/en/payment-services/payment-services/e-money-institutions/estonian-e-money-institutions/i
- fi.ee/en/news/ipf-digital-was-granted-authorisation-e-money-institution
- fktk.lv/tirgus-dalibnieki/maksajumu-pakalpojumu-sniedzeji/elektroniskas-naudas-iestades/pakalpoju
- documents.ipfdigital.io/mobilewallet/EE/EE_Annual_Report_2025.pdf
- documents.ipfdigital.io/mobilewallet/EE/EE_IPFD_AS_TC_Payment_Services.pdf
- creditea.com/ee/
- creditea.com/ee/ipf-digital
- creditea.com/ee/juriidilised-dokumendid
- creditea.com/ee/maksekonto-ja-app
- ipfin.co.uk/news/2026/us-basepoint-capital-llc-completes-purchase-of-uk-based-global-lender-internati
- en.wikipedia.org/wiki/International_Personal_Finance
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
Finantsinspektsioon authorises the firm as an electronic money institution under licence 4.1-1/1. Finantsinspektsioon also licenses it as a creditor under licence 4.1-1/144. According to its 2025 annual report, it extended its e-money services to Latvia and Lithuania on a cross-border basis.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) Estonia | E-money institution authorisation | 4.1-1/1 | In its own name | Active | fi.ee ↗ |
| Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority) Estonia | Creditor activity licence | 4.1-1/144 | In its own name | Active | — |
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 it holds customers' funds in an account in its own name at a credit institution, used only for those funds and kept separate from its own assets.
- Payment schemes and card networks
- SEPA Credit Transfer Access not stated documents.ipfdigital.io ↗
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 offers revolving credit lines and instalment loans of up to EUR 7,000 in Estonia, together with a euro e-money payment account in the Creditea app. The account is used for SEPA transfers and for instant transfers between Creditea users.
It serves consumers in Estonia and provides e-money services in Latvia and Lithuania on a cross-border basis under its Estonian authorisation.
- Revenue
- EUR 78.8m
- Payment volume
- EUR 4.91me-money issued during the year
- Sells to
- Consumers
- Serves customers in 3 countries
- Estonia · Latvia · Lithuania
Leadership
Researched 29 Sep 2026 · Sources
- Chair
- Povilas Girčys Chair of the Supervisory Board
- Executive
- Hiie Ormisson Member of the Management Board
- Executive
- Jari Kalevi Koivula Member of the Management Board
- Executive
- Kristi Saaremets-Ojala Member of the Management Board
- Executive
- Iwona Gruchacz Member of the Management Board
- Executive
- Piotr Mariusz Bubak Member of the Management Board
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
BasePoint Capital completed its acquisition of International Personal Finance plc, the firm's ultimate parent.
ipfin.co.uk ↗ -
Leadership
Iwona Gruchacz and Piotr Mariusz Bubak joined the firm's Management Board on 17 April 2025.
ariregister.rik.ee ↗ -
Other
The firm completed the liquidation of its Finnish subsidiary, IPF Digital Finland OY, on 28 March 2025.
documents.ipfdigital.io ↗ -
Leadership
Kristi Saaremets-Ojala joined the firm's Management Board on 27 January 2025.
ariregister.rik.ee ↗ -
Other
The firm paid its sole shareholder EUR 28 million for 2,800 of its own shares after Finantsinspektsioon approved the buyback.
documents.ipfdigital.io ↗
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
- IPFDEE22XXX
- How the BIC breaks down
- IPFDBank
- EECountry · Estonia
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 984500650D127F436942
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 11034137
- 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
- 9922cacebd08
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
- Payment services
- E-money / stored value
- Licensed in
- Estonia
- Country · region
- Estonia · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- 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
- LOOTSA 5 ULEMISTE CITY TALLIN 11415 ESTONIA
- Operational address
- LOOTSA 5 ULEMISTE CITY TALLIN 11415 TALLIN ESTONIA
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>IPFDEE22XXX</BICFI>
<LEI>984500650D127F436942</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>IPFDEE22XXX</BICFI>
<LEI>984500650D127F436942</LEI>
<Nm>IPF DIGITAL AS</Nm>
<PstlAdr>
<TwnNm>TALLIN</TwnNm>
<Ctry>EE</Ctry>
<AdrLine>LOOTSA 5 ULEMISTE CITY TALLIN 11415</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: creditea.com (official website).
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