--- title: "Mastercard OB Services Europe A/S · Payment institution (Danish Financial Supervisory Authority) · Denmark | Elucidate" description: "Mastercard OB Services Europe A/S is authorised by Danish Financial Supervisory Authority as a payment institution in Denmark. Licence 33509006. LEI 984500BC851BDD47RC62. Register status, licences, activities and ownership." url: https://elucidate.co/directory/mastercard-ob-services-europe-a-s-5a75f054e128 --- 1. [Directory](https://elucidate.co/directory) 2. [Denmark](https://elucidate.co/directory/country/dk) 3. Mastercard OB Services Europe A/S 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. Register status Licensed in Denmark Payment institution · Danish Financial Supervisory Authority Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/mastercard-ob-services-europe-a-s-5a75f054e128#licences) BIC **No BIC** LEI **[984500BC851BDD47RC62](https://search.gleif.org/#/record/984500BC851BDD47RC62)** [Licence no. **33509006**](https://elucidate.co/directory/mastercard-ob-services-europe-a-s-5a75f054e128#licences) [Group: Mastercard Incorporated](https://elucidate.co/directory/group/AR5L2ODV9HN37376R084) ## 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 Register](https://elucidate.co/directory/register/eba-psd2) Danish Financial Supervisory Authority | Payment institutionPayment Institution | 33509006 | [Denmark](https://elucidate.co/directory/country/dk) | Active | 2019-08-16 | — | - Payment services - Payment initiation - Account information | [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. Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/mastercard-ob-services-europe-a-s-5a75f054e128#overview-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 ↗](https://search.gleif.org/#/record/AR5L2ODV9HN37376R084), 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 ↗](https://openbankingeu.mastercard.com/) [mastercard.com ↗](https://www.mastercard.com/europe/en/business/open-finance.html) current landing page to which openbankingeu.mastercard.com redirects [developer.mastercard.com ↗](https://developer.mastercard.com/open-banking-europe/documentation/licensed/aiia-enterprise/) developer documentation (Aiia Enterprise API) [spiir.dk ↗](https://www.spiir.dk/) former consumer app site (Spiir, closed 8 June 2026) - **Official social accounts:** [LinkedIn ↗](http://www.linkedin.com/company/mastercard) · [X ↗](https://x.com/mastercardeu) · [Facebook ↗](https://www.facebook.com/MasterCardUS?brand_redir=1) · [YouTube ↗](https://www.youtube.com/user/MasterCard) Sources · 15 pages consulted 1. [openbankingeu.mastercard.com/legal/terms-of-use/](https://openbankingeu.mastercard.com/legal/terms-of-use/) 2. [openbankingeu.mastercard.com](https://openbankingeu.mastercard.com/) 3. [virksomhedsregister.finanstilsynet.dk/virksomhed-under-tilsyn.html?v=1160F0F6-B6C4-E911-814D-00505680286D](https://virksomhedsregister.finanstilsynet.dk/virksomhed-under-tilsyn.html?v=1160F0F6-B6C4-E911-814D-00505680286D) 4. [finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2023/maj/aiia\_300523](https://www.finanstilsynet.dk/tilsyn/inspektion-og-afgoerelser/2023/maj/aiia_300523) 5. [dnb.nl/en/public-register/information-detail/?registerCode=WFTBI&relationNumber=R161066](https://www.dnb.nl/en/public-register/information-detail/?registerCode=WFTBI&relationNumber=R161066) 6. [uzraudziba.bank.lv/en/market/payment-service-providers/payment-institutions/service-providers-from-the-eea/f](https://uzraudziba.bank.lv/en/market/payment-service-providers/payment-institutions/service-providers-from-the-eea/freedom-to-provide-services/mastercard-ob-services-europe-a-s/) 7. [bportugal.pt/en/entidadeautorizada/mastercard-ob-services-europe](https://www.bportugal.pt/en/entidadeautorizada/mastercard-ob-services-europe) 8. [bsi.si/storage/uploads/37d72334-7542-4f7d-8ed7-d97ad8aee82a/20260918-LIST-OF-NOTIFICATIONS-OF-PA](https://www.bsi.si/storage/uploads/37d72334-7542-4f7d-8ed7-d97ad8aee82a/20260918-LIST-OF-NOTIFICATIONS-OF-PAYMENT-INSTITUTIONS.pdf) 9. [investor.mastercard.com/investor-news/investor-news-details/2021/Mastercard-Advances-Global-Open-Banking-Capabili](https://investor.mastercard.com/investor-news/investor-news-details/2021/Mastercard-Advances-Global-Open-Banking-Capabilities-With-Close-of-Aiia-Acquisition/default.aspx) 10. [mastercard.com/europe/en/news-and-trends/Insights/2021/mastercard-expands-open-banking-reach-with-acquis](https://www.mastercard.com/europe/en/news-and-trends/Insights/2021/mastercard-expands-open-banking-reach-with-acquisition-of-aiia.html) 11. [spiir.dk/faq](https://www.spiir.dk/faq) 12. [spiir.dk/betingelser](https://www.spiir.dk/betingelser) 13. [openbanking.org.uk/regulated-providers/aiia-a-s/](https://www.openbanking.org.uk/regulated-providers/aiia-a-s/) 14. [developer.mastercard.com/open-banking-europe/documentation/licensed/aiia-enterprise/](https://developer.mastercard.com/open-banking-europe/documentation/licensed/aiia-enterprise/) 15. [regnskaber.cvrapi.dk/60090533/amNsb3VkczovLzAzLzdmLzlmL2VhLzVjL2YwNjYtNDBkZC04MmM0LTMxOTNjZTIwYWM4YQ.pdf](https://regnskaber.cvrapi.dk/60090533/amNsb3VkczovLzAzLzdmLzlmL2VhLzVjL2YwNjYtNDBkZC04MmM0LTMxOTNjZTIwYWM4YQ.pdf) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/mastercard-ob-services-europe-a-s-5a75f054e128#overview-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 ↗](https://virksomhedsregister.finanstilsynet.dk/virksomhed-under-tilsyn.html?v=1160F0F6-B6C4-E911-814D-00505680286D) | 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](https://elucidate.co/directory/mastercard-ob-services-europe-a-s-5a75f054e128#overview-sources) - Account information (open banking) - Payment initiation (open banking) 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](https://elucidate.co/directory/mastercard-ob-services-europe-a-s-5a75f054e128#overview-sources) 1. Jun 2026 Other The firm closed its Spiir consumer budgeting app on 8 June 2026 and stopped collecting account data for its users. [spiir.dk ↗](https://www.spiir.dk/faq) 2. Jan 2024 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 ↗](https://regnskaber.cvrapi.dk/60090533/amNsb3VkczovLzAzLzdmLzlmL2VhLzVjL2YwNjYtNDBkZC04MmM0LTMxOTNjZTIwYWM4YQ.pdf) 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 - **LEI:** [984500BC851BDD47RC62 ↗](https://search.gleif.org/#/record/984500BC851BDD47RC62) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 5a75f054e128 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - Payment initiation - Account information - **Licensed in:** [Denmark](https://elucidate.co/directory/country/dk) · 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 States[AR5L2ODV9HN37376R084 ↗](https://search.gleif.org/#/record/AR5L2ODV9HN37376R084) 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.](https://elucidate.co/directory/mastercard-transaction-services-europe-s-a-homnbeb2), [Trans-Fast Remittance (London) Limited](https://elucidate.co/directory/trans-fast-remittance-london-limited-5d2f60fca62a), [Mastercard Payment Services Denmark A/S](https://elucidate.co/directory/mastercard-payment-services-denmark-a-s-1bd011c15022), [Mastercard Transaction Services (UK) Ltd.](https://elucidate.co/directory/mastercard-transaction-services-uk-ltd-mtsxgb2l), [Mastercard Transaction Services (CA) Inc.](https://elucidate.co/directory/mastercard-transaction-services-ca-inc-7e83243307c4). [See the Mastercard Incorporated group →](https://elucidate.co/directory/group/AR5L2ODV9HN37376R084) 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 ```xml 984500BC851BDD47RC62 Mastercard OB Services Europe A/S 2300 Copenhagen S DK Arne Jacobsens Allé 13 ``` - 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. ## Related institutions ### Same group - [Mastercard Payment Services Denmark A/S No BIC Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 40695869 (EBA-PSD2) · LEI 984500B44C1EBF96C834](https://elucidate.co/directory/mastercard-payment-services-denmark-a-s-1bd011c15022) - [Mastercard Transaction Services (Europe) S.A. BIC HOMNBEB2 Payments & e-money Prudential licence Belgium · Licensed by National Bank of Belgium · 0549987921 (EBA-PSD2) · LEI 549300QSDFLY87110W54](https://elucidate.co/directory/mastercard-transaction-services-europe-s-a-homnbeb2) - [Mastercard Transaction Services (UK) Ltd. BIC MTSXGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 521565 (FCA-PSD) · LEI 254900A0DI312HS2MG44](https://elucidate.co/directory/mastercard-transaction-services-uk-ltd-mtsxgb2l) - [Mastercard Europe S.A. BIC MACSBE22 Financial institution Not on a tracked register Belgium · Not on a tracked register · LEI RKISU8PSZM3XRHZTAV86](https://elucidate.co/directory/mastercard-europe-s-a-macsbe22) - [Mastercard International Inc. BIC MACSUS33 Financial institution Not on a tracked register United States · Not on a tracked register · LEI FC84SDXS4OIPCPCJUB92](https://elucidate.co/directory/mastercard-international-inc-macsus33) - [Mastercard Transaction Services (Us) LLC BIC MACSUSU2 Financial institution Not on a tracked register United States · Not on a tracked register · LEI 549300REMPPKST0PVA02](https://elucidate.co/directory/mastercard-transaction-services-us-llc-macsusu2) - [Travelex Card Services Limited No BIC Payments & e-money Small-firm registration Inactive since 12 June 2012 United Kingdom · Registered with FCA · 508930 (FCA-PSD) · LEI Z1XKHK7U6JM1H350BV09](https://elucidate.co/directory/travelex-card-services-limited-4330ffce5074) [All 11 institutions in the Mastercard Incorporated group →](https://elucidate.co/directory/group/AR5L2ODV9HN37376R084) ### Other payments & e-money institutions in Denmark - [EasyMe ApS No BIC Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 28712618 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/easyme-aps-15f19394727b) - [Flex Funding A/S No BIC Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 25619978 (EBA-PSD2) · LEI 9845004D99F914E36105](https://elucidate.co/directory/flex-funding-a-s-c29c77fc84c1) - [ZTLment ApS No BIC Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 41801298 (EBA-PSD2) · LEI 636700HGS0U217U77E22](https://elucidate.co/directory/ztlment-aps-b2dc5917d403) - [4T AF 1. OKTOBER 2012 ApS No BIC Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 32348882 (EBA-PSD2) · LEI 984500DYK4FB679A0A35](https://elucidate.co/directory/4t-af-1-oktober-2012-aps-cb9b2b34a5b2) - [Accomplish (D) ApS No BIC Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 43351206 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/accomplish-d-aps-086466997018) - [Amc-Consult A/S BIC ACOSDKKK Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 16987344 (EBA-PSD2) · LEI 549300TPCXOMCT7Q8W05](https://elucidate.co/directory/amc-consult-a-s-acosdkkk) - [Clearhaus A/S BIC CLEHDK21 Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 33749996 (EBA-PSD2) · LEI 391200CH2W5CXKIZT832](https://elucidate.co/directory/clearhaus-a-s-clehdk21) - [Coop Betalinger A/S No BIC Payments & e-money Prudential licence Denmark · Licensed by Danish Financial Supervisory Authority · 35476695 (EBA-PSD2) · LEI 636700KGUHXPIT66FP82](https://elucidate.co/directory/coop-betalinger-a-s-e6eab9c66a35) [See all →](https://elucidate.co/directory/search?type=payments&cc=DK) [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 - **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)](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.