Cyprus · Payments & e-money
Moneygate Solutions Limited
Moneygate Solutions Limited is a private limited company registered in Cyprus, with its head office in Nicosia. The Central Bank of Cyprus authorises it as an electronic money institution under licence number 115.1.3.46, and it operates in Greece through a branch registered with the Bank of Greece. It describes itself as privately owned and names Nicolas Treppides and Marios Cosma as its founders. It offers business multi-currency accounts with dedicated IBANs, SEPA and Swift payments, currency exchange and Mastercard cards issued by AF Payments Limited, a UK e-money issuer.
Licences and registrations
Held by Moneygate Solutions Limited (LEI 984500C98ZD3A9O6CE76). 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 RegisterCentral Bank of CyprusLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | 115.1.3.46 | Cyprus | Active | 2021-12-24 | — |
|
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.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Other monetary financial institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- Moneygate Solutions Limited
- RIAD code
- CYC406508
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- MNGTCY2NXXX 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 MNGTCY2N directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · VOP
- Branch codes
- 3 branch codes
- Other BIC with this LEI
- MNGTGRA2
- BIC first registered
- 2021-03-13
- Last updated
- 2022-07-28
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Privately held
Firm type
E-money and accounts
Trades as Moneygate
- Ownership
- The firm describes itself as privately owned and does not publish its shareholders.
- Head office
- Kafkasou 9, Treppides Tower, Floor 5, Aglantzia, 2112 Nicosia, Cyprus
- Company register
- Cyprus Registrar of Companies HE 406508
- Founders
- Nicolas Treppides · Marios Cosma
- Former name
- REALMODE SERVICES LIMITED
Online
- Websites & references
- moneygate.com ↗
- Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗
Sources · 10 pages consulted
- moneygate.com/
- moneygate.com/legal/terms
- moneygate.com/legal/card-terms
- moneygate.com/documents/Terms%20and%20Conditions_Corporate_Final.pdf
- moneygate.com/about
- moneygate.com/insights/topic/company-news
- centralbank.cy/en/licensing-supervision/payment-institutions-and-electronic-money-institutions/registers
- cbn.com.cy/article/128535/nicolas-treppides-and-marios-cosma-founders-of-moneygate-the-presence-of-e
- capital-banking.com/en/moneygate-in-cyprus-goes-live-with-capitalbanker-from-capital-banking-solutions/
- londonlovestech.com/fintech-firm-moneygate-gets-licence-from-bank-of-cyprus/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- AF Payments Limited, United Kingdom Issuer of the Moneygate Mastercard card and card account; Moneygate provides customer services on behalf of AF Payments Limited
The Central Bank of Cyprus authorises the firm as an electronic money institution under licence number 115.1.3.46, and it operates in Greece through a branch registered with the Bank of Greece. Its Mastercard cards are issued by AF Payments Limited, which the UK Financial Conduct Authority (FCA) regulates as an electronic money issuer (FRN 900440).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Central Bank of Cyprus Cyprus | Electronic Money Institution | 115.1.3.46 | In its own name | Active | moneygate.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 it safeguards client funds in a dedicated safeguarding account held separately from its own funds, under the Electronic Money Directive and Cypriot and Greek implementing law.
- Card issuer
- AF Payments Limited United Kingdom
- Payment schemes and card networks
- Swift Direct
SEPA Credit Transfer Access not stated moneygate.com ↗
Mastercard Through a partner moneygate.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 offers multi-currency accounts with dedicated IBANs, SEPA and Swift payments including bulk payments, currency exchange, Mastercard debit cards and API access, mainly to businesses that operate internationally, and an embedded model that lets partner platforms offer accounts to their clients.
It serves clients from its Nicosia head office and through a Greek branch in Athens registered with the Bank of Greece. The firm does not publish its full list of passported EEA states.
- Sells to
- Small businesses · Enterprises · Platforms and marketplaces · Consumers
- Serves customers in 2 countries
- Cyprus · Greece
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Nicolas Treppides
Founder & CEO
- Chief financial officer
-
Stelios Constantinou
CFO
- Compliance / MLRO
-
Anna Pitta
Compliance Manager, Alternate AMLCO
- Executive
-
Panayiotis Theodosiou
COO
- Executive
-
Demetris Theodoulou
Executive Director
- Founder
-
Marios Cosma
Co-Founder
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
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
- MNGTCY2NXXX
- How the BIC breaks down
- MNGTBank
- CYCountry · Cyprus
- 2NLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 984500C98ZD3A9O6CE76
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 115.1.3.46
- 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
- eecf3be1dc61
- National bank code
- Bank identifier 911
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
- Payment initiation
- E-money / stored value
- Licensed in
- Cyprus
- Country · region
- Cyprus · 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
- TREPPIDES TOWER FLOOR 5 9 KAFKASOU, AGLANTZIA NICOSIA (LEFKOSIA) CY 2112 CYPRUS
- Operational address
- TREPPIDES TOWER FLOOR 5 9 KAFKASOU, AGLANTZIA NICOSIA (LEFKOSIA) CY 2112 NICOSIA (LEFKOSIA) CYPRUS
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>MNGTCY2NXXX</BICFI>
<LEI>984500C98ZD3A9O6CE76</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>MNGTCY2NXXX</BICFI>
<LEI>984500C98ZD3A9O6CE76</LEI>
<Nm>MONEYGATE SOLUTIONS LIMITED</Nm>
<PstlAdr>
<TwnNm>NICOSIA LEFKOSIA</TwnNm>
<Ctry>CY</Ctry>
<AdrLine>TREPPIDES TOWER FLOOR 5 9 KAFKASOU</AdrLine>
<AdrLine>AGLANTZIA NICOSIA (LEFKOSIA) CY 2112</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 | 2022-09-05 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2026-04-01 | Head office | — |
| Verification of Payee | 2025-10-06 | 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
Bank identifier · Cyprus
1 code file of 2026-09
| Code | Routes to BIC | Name in the national file |
|---|---|---|
| 911 | MNGTCY2N | MONEYGATE SOLUTIONS LTD |
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.
Network
Branch network
All 3 branch BICs connect to the head office. They are all in Nicosia Lefkosia, and no function or registration year splits them further.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| MNGTCY2N002 | — | Nicosia Lefkosia | TREPPIDES TOWER FLOOR 5 9 KAFKASOU, AGLANTZIA NICOSIA (LEFKOSIA) CY 2112 NICOSIA (LEFKOSIA) CYPRUS | — | 2023-12-02 |
| MNGTCY2N003 | — | Nicosia Lefkosia | TREPPIDES TOWER FLOOR 5 9 KAFKASOU, AGLANTZIA NICOSIA (LEFKOSIA) CY 2112 NICOSIA (LEFKOSIA) CYPRUS | — | 2024-05-25 |
| MNGTCY2NTIP | DEDICATED TO TIP PAYMENTS | Nicosia Lefkosia | TREPPIDES TOWER FLOOR 5 9 KAFKASOU, AGLANTZIA NICOSIA (LEFKOSIA) CY 2112 NICOSIA (LEFKOSIA) CYPRUS | — | 2025-11-08 |
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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—Cyprus (Source: Central Bank of Cyprus).
- 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.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate.
- 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: moneygate.com (official website) · original; Nicolas Treppides: moneygate.com (official website) · original; Stelios Constantinou: moneygate.com (official website) · original; Anna Pitta: moneygate.com (official website) · original; Panayiotis Theodosiou: moneygate.com (official website) · original; Demetris Theodoulou: moneygate.com (official website) · original; Marios Cosma: moneygate.com (official website) · original.
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