--- title: "Kivra AB · Payment institution (Swedish Financial Supervisory Authority) · Sweden | Elucidate" description: "Kivra AB is authorised by Swedish Financial Supervisory Authority as a payment institution in Sweden. Licence 45571. Register status, licences, activities and ownership." url: https://elucidate.co/directory/kivra-ab-3ad01bde6cc0 --- 1. [Directory](https://elucidate.co/directory) 2. [Sweden](https://elucidate.co/directory/country/se) 3. Kivra AB Sweden · Payments & e-money # Kivra AB Kivra AB is a Swedish limited company (aktiebolag) with its registered office in Stockholm. Finansinspektionen (FI), the Swedish financial supervisory authority, authorises it as a payment institution, entered in the EBA payment institutions register under number 45571. Its press releases say it is owned by 41an Invest (Karl-Johan Persson and Stefan Krook), FAM (the Wallenberg foundations), its board and its staff. Kivra AB is the parent of the group that runs the Kivra digital mailbox, where consumers receive letters, invoices and receipts from companies and public authorities and can pay bills. It acquired the Truid team in March 2025 and Tab Technology AB in April 2026. Register status Licensed in Sweden Payment institution · Swedish Financial Supervisory Authority Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/kivra-ab-3ad01bde6cc0#licences) BIC **No BIC** LEI **No LEI mapped** [Licence no. **45571**](https://elucidate.co/directory/kivra-ab-3ad01bde6cc0#licences) ## Licences and registrations Held by Kivra AB. 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) Swedish Financial Supervisory Authority | Payment institutionPayment Institution | 45571 | [Sweden](https://elucidate.co/directory/country/se) | Active | 2019-07-05 | — | - 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. No LEI is matched to this entry, and BICs are linked by LEI only. ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/kivra-ab-3ad01bde6cc0#overview-sources) Customers 6,512,311 users · Group · 29 Sep 2026 · [company statement ↗](https://kivra.se/en/private) Employees Not published Ownership Privately held Firm type Other Trades as Kivra - **Ownership:** The firm's press releases say it is owned by 41an Invest (Karl-Johan Persson and Stefan Krook), FAM (the Wallenberg foundations), its board and its staff. - **Head office:** Vattugatan 17, 6tr, 111 52 Stockholm, Sweden - **Company register:** Bolagsverket 556840-2266 - **Incorporated:** 2011 ### Online - **Websites & references:** [kivra.se ↗](https://kivra.se/) [accounts.kivra.com ↗](https://accounts.kivra.com/) user login and web app [jobs.kivra.dev ↗](https://jobs.kivra.dev/) careers site [faq.kivra.se ↗](https://faq.kivra.se/) help centre [Wikipedia ↗](https://sv.wikipedia.org/wiki/Kivra_\(f%C3%B6retag\)) - **Official social accounts:** None found Sources · 11 pages consulted 1. [kivra.se/en/private](https://kivra.se/en/private) 2. [kivra.se/en/about-kivra/terms/general-terms-and-conditions](https://kivra.se/en/about-kivra/terms/general-terms-and-conditions) 3. [kivra.se/en/about-kivra/terms](https://kivra.se/en/about-kivra/terms) 4. [kivra.se/en/private/how-it-works/digital-bills-invoices](https://kivra.se/en/private/how-it-works/digital-bills-invoices) 5. [kivra.se/en/about-kivra](https://kivra.se/en/about-kivra) 6. [kivra.se/en/about-kivra/press](https://kivra.se/en/about-kivra/press) 7. [kivra.se/en/about-kivra/terms/service-description-and-special-terms-and-conditions](https://kivra.se/en/about-kivra/terms/service-description-and-special-terms-and-conditions) 8. [mynewsdesk.com/se/kivra/pressreleases/kivra-accelererar-utvecklingen-av-en-identitetsplaanbok-foervaerva](https://www.mynewsdesk.com/se/kivra/pressreleases/kivra-accelererar-utvecklingen-av-en-identitetsplaanbok-foervaervar-truid-3374236) 9. [mynewsdesk.com/se/kivra/pressreleases/kivra-vill-oeka-sveriges-digitala-motstaandskraft-lanserar-kivraid](https://www.mynewsdesk.com/se/kivra/pressreleases/kivra-vill-oeka-sveriges-digitala-motstaandskraft-lanserar-kivraid-3391535) 10. [market.se/affarsnyheter/affarsutveckling/kivra-koper-kvittobolag-snabbspolar-utvecklingen-med-flera](https://www.market.se/affarsnyheter/affarsutveckling/kivra-koper-kvittobolag-snabbspolar-utvecklingen-med-flera-ar/) 11. [sv.wikipedia.org/wiki/Kivra\_(f%C3%B6retag)](https://sv.wikipedia.org/wiki/Kivra_\(f%C3%B6retag\)) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/kivra-ab-3ad01bde6cc0#overview-sources) - **Operates under:** Several models FI authorises Kivra AB as a payment institution under the Swedish Payment Services Act. The consumer terms are concluded with the subsidiary Kivra Sverige AB. They state that the payment service provider chosen at checkout, not Kivra, initiates or carries out the payment. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Finansinspektionen (Swedish Financial Supervisory Authority) Sweden | Payment institution (betalningsinstitut) | 45571 | 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](https://elucidate.co/directory/kivra-ab-3ad01bde6cc0#overview-sources) - **Safeguarding:** Not disclosedThe firm's public terms do not describe how customer funds are safeguarded. - **Payment schemes and card networks:** Swish Through a partner [kivra.se ↗](https://kivra.se/en/about-kivra/terms/service-description-and-special-terms-and-conditions) Autogiro (Bankgirot direct debit) Through a partner [kivra.se ↗](https://kivra.se/en/about-kivra/terms/service-description-and-special-terms-and-conditions) 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](https://elucidate.co/directory/kivra-ab-3ad01bde6cc0#overview-sources) - Bill payments - Domestic payments Kivra runs a digital mailbox in which users receive letters, invoices, payslips and receipts from connected senders and pay bills. The firm states that over seven million bills are paid in Kivra every month. The consumer service is open to people with a Swedish personal identity number and serves customers in Sweden. - **Sells to:** Consumers · Enterprises · Public sector · Small businesses - **Serves customers in:** Sweden ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/kivra-ab-3ad01bde6cc0#overview-sources) - **Chief executive:** Henrik Lönnevi VD (Chief Executive Officer) Confirmed 29 Sep 2026 · [kivra.se ↗](https://kivra.se/en/about-kivra/press) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/kivra-ab-3ad01bde6cc0#overview-sources) 1. Apr 2026 Merger / acquisition Kivra acquired the receipt platform Tab Technology AB to speed up the move to digital receipts. [market.se ↗](https://www.market.se/affarsnyheter/affarsutveckling/kivra-koper-kvittobolag-snabbspolar-utvecklingen-med-flera-ar/) 2. Mar 2025 Merger / acquisition Kivra acquired the business of Truid, whose product and technology team joined Kivra for its identity wallet development. [mynewsdesk.com ↗](https://www.mynewsdesk.com/se/kivra/pressreleases/kivra-accelererar-utvecklingen-av-en-identitetsplaanbok-foervaervar-truid-3374236) 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:** 45571 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** No LEI mapped - **Elucidate firm ID:** 3ad01bde6cc0 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - **Licensed in:** [Sweden](https://elucidate.co/directory/country/se) · Europe & Central Asia - **First registered:** 2019-07-05 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 No LEI is matched to this entry, so GLEIF relationship records cannot be linked. ## Addresses - **Address on the register:** Vattugatan 17, 6tr, STOCKHOLM, 111 52 - **Country:** Sweden ## 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. No LEI or clearing code is mapped in the directory - **Postal address:** Hybrid: town, postcode and country in their own elements, the rest in one address line ```xml Kivra AB 111 52 STOCKHOLM SE Vattugatan 17, 6tr ``` 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 ### Other payments & e-money institutions in Sweden - [Trustly Group AB BIC TRLYSESS Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 45002 (EBA-PSD2) · LEI 5493008FHV9NM1RASP51](https://elucidate.co/directory/trustly-group-ab-trlysess) - [AVY Finans AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 50642 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/avy-finans-ab-7693091ed4c2) - [CDSys AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 50719 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/cdsys-ab-01bda55cd78d) - [Smart Refill i Helsingborg AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 45568 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/smart-refill-i-helsingborg-ab-849f399eb462) - [Svensk Betaltjänst AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 559417-4012 (EBA-PSD2) · LEI 636700TNYQE3UL9HTI08](https://elucidate.co/directory/svensk-betaltjanst-ab-e9d0f590acd1) - [APS International AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 559121-0132 (EBA-PSD2) · LEI 636700EN9ELT3O6D3Q26](https://elucidate.co/directory/aps-international-ab-f047d83b9d0f) - [Bambora AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 45001 (EBA-PSD2) · LEI 549300DC0M8DMLX0G290 (also mapped to a BIC)](https://elucidate.co/directory/bambora-ab-83a2f02c0bda) - [Bankomat AB BIC BAUBSES1 Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 48384 (EBA-PSD2) · LEI 6367004XPYLNNNNXZL49](https://elucidate.co/directory/bankomat-ab-baubses1) [See all →](https://elucidate.co/directory/search?type=payments&cc=SE) [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 - **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.