Denmark · Payments & e-money
Mastercard OB Services Europe A/S
Mastercard OB Services Europe A/S is a Danish public limited company (A/S) with its office in Copenhagen. The Danish Financial Supervisory Authority (Finanstilsynet) authorises it as a payment institution to provide payment initiation and account information services. Mastercard acquired the firm, then called Aiia A/S, in November 2021. The firm took its current name in January 2024. It gives banks, fintechs and payment service providers API access to account data and payment initiation at European banks. It also ran the Danish budgeting app Spiir until 8 June 2026.
Licences and registrations
Held by Mastercard OB Services Europe A/S (LEI 984500BC851BDD47RC62). 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 RegisterDanish Financial Supervisory Authority | Payment institutionPayment Institution | 33509006 | Denmark | Active | 2019-08-16 | — |
|
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
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Mastercard Incorporated
Firm type
Open banking
Trades as Mastercard Open Finance (formerly Aiia; Spiir consumer app until June 2026)
- Standing
- The firm traded as Aiia A/S until January 2024, when it took its current name. It closed its Spiir consumer budgeting app on 8 June 2026. Its open banking services continue under the Mastercard brand.
- Ownership
- According to the firm's LEI record, Mastercard Incorporated is its direct and ultimate accounting parent, following Mastercard's acquisition of Aiia in November 2021.
- Direct parent
- Mastercard Incorporated ↗, United States
- Head office
- Arne Jacobsens Allé 13, 2300 Copenhagen, Denmark
- Company register
- CVR 33509006
- Founder
- Rune Mai
- Former names
- Aiia A/S · SPIIR A/S · SPIIR ApS
Online
- Websites & references
- openbankingeu.mastercard.com ↗
mastercard.com ↗ current landing page to which openbankingeu.mastercard.com redirects
developer.mastercard.com ↗ developer documentation (Aiia Enterprise API)
spiir.dk ↗ former consumer app site (Spiir, closed 8 June 2026) - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗
Sources · 15 pages consulted
- openbankingeu.mastercard.com/legal/terms-of-use/
- openbankingeu.mastercard.com
- virksomhedsregister.finanstilsynet.dk/virksomhed-under-tilsyn.html?v=1160F0F6-B6C4-E911-814D-00505680286D
- finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2023/maj/aiia_300523
- dnb.nl/en/public-register/information-detail/?registerCode=WFTBI&relationNumber=R161066
- uzraudziba.bank.lv/en/market/payment-service-providers/payment-institutions/service-providers-from-the-eea/f
- bportugal.pt/en/entidadeautorizada/mastercard-ob-services-europe
- bsi.si/storage/uploads/37d72334-7542-4f7d-8ed7-d97ad8aee82a/20260918-LIST-OF-NOTIFICATIONS-OF-PA
- investor.mastercard.com/investor-news/investor-news-details/2021/Mastercard-Advances-Global-Open-Banking-Capabili
- mastercard.com/europe/en/news-and-trends/Insights/2021/mastercard-expands-open-banking-reach-with-acquis
- spiir.dk/faq
- spiir.dk/betingelser
- openbanking.org.uk/regulated-providers/aiia-a-s/
- developer.mastercard.com/open-banking-europe/documentation/licensed/aiia-enterprise/
- regnskaber.cvrapi.dk/60090533/amNsb3VkczovLzAzLzdmLzlmL2VhLzVjL2YwNjYtNDBkZC04MmM0LTMxOTNjZTIwYWM4YQ.pdf
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
Finanstilsynet authorises the firm as a payment institution for payment initiation and account information services, under firm reference 22030. It provides services cross-border under PSD2 passporting. Regulators in Latvia, the Netherlands, Portugal and Slovenia record its notifications.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Danish Financial Supervisory Authority (Finanstilsynet) Denmark | Payment institution (payment initiation and account information services) | 22030 | In its own name | Active | virksomhedsregister.finanstilsynet.dk ↗ |
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 offers one API that connects clients to European banks for account data and account-to-account payment initiation. Mastercard's developer documentation says businesses without their own AISP or PISP licence can use Mastercard's licence.
The firm serves clients and their end users in the EEA under its Danish licence. Its user terms add country-specific terms for Denmark, France, Estonia and Sweden.
- Sells to
- Financial institutions · Enterprises · Platforms and marketplaces · Consumers
- Serves customers in 12 countries
- Denmark · Sweden · Norway · Finland · Estonia · France · Germany · Austria · Netherlands · Portugal · Latvia · Slovenia
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm closed its Spiir consumer budgeting app on 8 June 2026 and stopped collecting account data for its users.
spiir.dk ↗ -
Other
The firm changed its legal name from Aiia A/S to Mastercard OB Services Europe A/S as part of Mastercard's brand migration.
regnskaber.cvrapi.dk ↗
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
- 33509006
- 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
- 5a75f054e128
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
- Payment services
- Payment initiation
- Account information
- Licensed in
- Denmark · Europe & Central Asia
- First registered
- 2019-08-16
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
- Mastercard Incorporated · United StatesAR5L2ODV9HN37376R084 ↗
The Mastercard Incorporated group has 11 institutions in the directory, in 4 countries: 6 hold a BIC and 5 do not.
Including Mastercard Transaction Services (Europe) S.A., Trans-Fast Remittance (London) Limited, Mastercard Payment Services Denmark A/S, Mastercard Transaction Services (UK) Ltd., Mastercard Transaction Services (CA) Inc..
See the Mastercard Incorporated group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Arne Jacobsens Allé 13, Copenhagen S, 2300
- Country
- Denmark
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
<FinInstnId>
<LEI>984500BC851BDD47RC62</LEI>
<Nm>Mastercard OB Services Europe A/S</Nm>
<PstlAdr>
<PstCd>2300</PstCd>
<TwnNm>Copenhagen S</TwnNm>
<Ctry>DK</Ctry>
<AdrLine>Arne Jacobsens Allé 13</AdrLine>
</PstlAdr>
</FinInstnId>- CBPR+ does not accept the character é 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.
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) is an independent score of the financial crime risk of banks and payment institutions.
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