---
title: "Moneygate Solutions Limited SWIFT/BIC code MNGTCY2NXXX · Cyprus | Elucidate"
description: "Licensed in Cyprus: Electronic money institution (Central Bank of Cyprus). SWIFT/BIC code MNGTCY2NXXX for Moneygate Solutions Limited, Cyprus. 3 branch BICs."
url: https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n
---
1. [Directory](https://elucidate.co/directory)
2. [Cyprus](https://elucidate.co/directory/country/cy)
3. Moneygate Solutions Limited
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.
Register status
Licensed in Cyprus
Electronic money institution · Central Bank of Cyprus
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#licences)
BIC **MNGTCY2NXXX** LEI **[984500C98ZD3A9O6CE76](https://search.gleif.org/#/record/984500C98ZD3A9O6CE76)** [Licence no. **115.1.3.46**](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#licences) Connected to Swift [**3** branch codes](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#branches) [Claim this profile](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#claim)
## 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 Register](https://elucidate.co/directory/register/eba-psd2) Central Bank of Cyprus Linked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | 115.1.3.46 | [Cyprus](https://elucidate.co/directory/country/cy) | Active | 2021-12-24 | — | - Payment services - Payment initiation - E-money / stored value | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) |
- 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 Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · VOP](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#schemes)
- **Branch codes:** [3 branch codes](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#branches)
- **Other BIC with this LEI:** [MNGTGRA2](https://elucidate.co/directory/moneygate-solutions-limited-greece-branch-mngtgra2)
- **BIC first registered:** 2021-03-13
- **Last updated:** 2022-07-28
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#overview-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 ↗](https://moneygate.com/)
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/moneygate-solutions-limited) · [Facebook ↗](https://www.facebook.com/profile.php?id=61553769321555) · [Instagram ↗](https://www.instagram.com/moneygate_)
Sources · 10 pages consulted
1. [moneygate.com/](https://moneygate.com/)
2. [moneygate.com/legal/terms](https://moneygate.com/legal/terms)
3. [moneygate.com/legal/card-terms](https://moneygate.com/legal/card-terms)
4. [moneygate.com/documents/Terms%20and%20Conditions\_Corporate\_Final.pdf](https://moneygate.com/documents/Terms%20and%20Conditions_Corporate_Final.pdf)
5. [moneygate.com/about](https://moneygate.com/about)
6. [moneygate.com/insights/topic/company-news](https://moneygate.com/insights/topic/company-news)
7. [centralbank.cy/en/licensing-supervision/payment-institutions-and-electronic-money-institutions/registers](https://www.centralbank.cy/en/licensing-supervision/payment-institutions-and-electronic-money-institutions/registers)
8. [cbn.com.cy/article/128535/nicolas-treppides-and-marios-cosma-founders-of-moneygate-the-presence-of-e](https://www.cbn.com.cy/article/128535/nicolas-treppides-and-marios-cosma-founders-of-moneygate-the-presence-of-emis-in-cyprus-business-environment-reassures-tech-industry-investors-that-cyprus-is-open-to-technological-progress)
9. [capital-banking.com/en/moneygate-in-cyprus-goes-live-with-capitalbanker-from-capital-banking-solutions/](https://www.capital-banking.com/en/moneygate-in-cyprus-goes-live-with-capitalbanker-from-capital-banking-solutions/)
10. [londonlovestech.com/fintech-firm-moneygate-gets-licence-from-bank-of-cyprus/](https://londonlovestech.com/fintech-firm-moneygate-gets-licence-from-bank-of-cyprus/)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#overview-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 ↗](https://moneygate.com/legal/terms) |
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/moneygate-solutions-limited-mngtcy2n#overview-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. [moneygate.com ↗](https://moneygate.com/documents/Terms%20and%20Conditions_Corporate_Final.pdf)
- **Card issuer:** AF Payments Limited United Kingdom [moneygate.com ↗](https://moneygate.com/legal/card-terms)
- **Payment schemes and card networks:** Swift Direct SEPA Credit Transfer Access not stated [moneygate.com ↗](https://moneygate.com/) Mastercard Through a partner [moneygate.com ↗](https://moneygate.com/legal/card-terms)
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/moneygate-solutions-limited-mngtcy2n#overview-sources)
- Multi currency accounts
- International money transfer
- Domestic payments
- FX conversion
- Debit cards
- Payouts and mass payments
- Banking as a service
- Account information (open banking)
- Payment initiation (open banking)
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](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#overview-sources)
- **Chief executive:**  Nicolas Treppides Founder & CEO Confirmed 29 Sep 2026 · [moneygate.com ↗](https://moneygate.com/about)
- **Chief financial officer:**  Stelios Constantinou CFO Confirmed 29 Sep 2026 · [moneygate.com ↗](https://moneygate.com/about)
- **Compliance / MLRO:**  Anna Pitta Compliance Manager, Alternate AMLCO Confirmed 29 Sep 2026 · [moneygate.com ↗](https://moneygate.com/about)
- **Executive:**  Panayiotis Theodosiou COO Confirmed 29 Sep 2026 · [moneygate.com ↗](https://moneygate.com/about)
- **Executive:**  Demetris Theodoulou Executive Director Confirmed 29 Sep 2026 · [moneygate.com ↗](https://moneygate.com/about)
- **Founder:**  Marios Cosma Co-Founder Confirmed 29 Sep 2026 · [moneygate.com ↗](https://moneygate.com/about)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#overview-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:** 1. MNGT Bank 2. CY Country · Cyprus 3. 2N Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 984500C98ZD3A9O6CE76
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/984500C98ZD3A9O6CE76)
- **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](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#bank-codes)
## Profile
- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n#licences)
- **Activities:** - Payment services - Payment initiation - E-money / stored value
- **Licensed in:** [Cyprus](https://elucidate.co/directory/country/cy)
- **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
```xml
MNGTCY2NXXX
984500C98ZD3A9O6CE76
```
### 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
```xml
MNGTCY2NXXX
984500C98ZD3A9O6CE76
MONEYGATE SOLUTIONS LIMITED
NICOSIA LEFKOSIA
CY
TREPPIDES TOWER FLOOR 5 9 KAFKASOU
AGLANTZIA NICOSIA (LEFKOSIA) CY 2112
```
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.
### Branch codes
| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [MNGTCY2N002](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n-002) | — | Nicosia Lefkosia | TREPPIDES TOWER FLOOR 5 9 KAFKASOU, AGLANTZIA NICOSIA (LEFKOSIA) CY 2112 NICOSIA (LEFKOSIA) CYPRUS | — | 2023-12-02 |
| [MNGTCY2N003](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n-003) | — | Nicosia Lefkosia | TREPPIDES TOWER FLOOR 5 9 KAFKASOU, AGLANTZIA NICOSIA (LEFKOSIA) CY 2112 NICOSIA (LEFKOSIA) CYPRUS | — | 2024-05-25 |
| [MNGTCY2NTIP](https://elucidate.co/directory/moneygate-solutions-limited-mngtcy2n-tip) | DEDICATED TO TIP PAYMENTS | Nicosia Lefkosia | TREPPIDES TOWER FLOOR 5 9 KAFKASOU, AGLANTZIA NICOSIA (LEFKOSIA) CY 2112 NICOSIA (LEFKOSIA) CYPRUS | — | 2025-11-08 |
[See every BIC in Cyprus →](https://elucidate.co/directory/country/cy#bics)
## Related institutions
### Same legal entity
- [Moneygate Solutions Limited Greece Branch BIC MNGTGRA2 Financial institution Not on a tracked register Greece · Not on a tracked register · LEI 984500C98ZD3A9O6CE76](https://elucidate.co/directory/moneygate-solutions-limited-greece-branch-mngtgra2)
Other BICs mapped to the same LEI.
### Other payments & e-money institutions in Cyprus
- [Xryma PLC BIC ISEMCY22 Payments & e-money Prudential licence Cyprus · Licensed by Central Bank of Cyprus · 115.1.3.17 (EBA-PSD2) · LEI 213800NGHVYL5PFZI692](https://elucidate.co/directory/xryma-plc-isemcy22)
- [Ecommbx Limited BIC ECBXCY2N Payments & e-money Prudential licence Cyprus · Licensed by Central Bank of Cyprus · 115.1.3.20 (EBA-PSD2) · LEI 529900AWH3J6H31CFI88](https://elucidate.co/directory/ecommbx-limited-ecbxcy2n)
- [Hapic LTD BIC HAPCCY22 Payments & e-money Prudential licence Cyprus · Licensed by Central Bank of Cyprus · 115.1.3.68 (EBA-PSD2) · LEI 98450044BOB0E645AD66](https://elucidate.co/directory/hapic-ltd-hapccy22)
- [Intraclear Limited BIC ITRACY2L Payments & e-money Prudential licence Cyprus · Licensed by Central Bank of Cyprus · 115.1.2.35 (EBA-PSD2) · LEI 984500F776NEBD7D6538](https://elucidate.co/directory/intraclear-limited-itracy2l)
- [Sepaga E.M.I. LTD BIC SEPMCY2N Payments & e-money Prudential licence Cyprus · Licensed by Central Bank of Cyprus · 115.1.3.18 (EBA-PSD2) · LEI 213800K38VRJZ5UZYP24](https://elucidate.co/directory/sepaga-e-m-i-ltd-sepmcy2n)
- [Aeon Payment Technologies Limited BIC AEPTCY22 Payments & e-money Prudential licence Cyprus · Licensed by Central Bank of Cyprus · 115.1.2.39 (EBA-PSD2) · LEI 21380027R6KMKXGKN581](https://elucidate.co/directory/aeon-payment-technologies-limited-aeptcy22)
- [Altery Eu Ltd. BIC HEDOCY22 Payments & e-money Prudential licence Cyprus · Licensed by Central Bank of Cyprus · 115.1.3.61 (EBA-PSD2) · LEI 5299007WAAJHEDAN4B36](https://elucidate.co/directory/altery-eu-ltd-hedocy22)
- [Appla Trading LTD BIC APTDCY22 Payments & e-money Prudential licence Cyprus · Licensed by Central Bank of Cyprus · 115.1.2.37 (EBA-PSD2) · LEI 9845005AYAEHC6M97507](https://elucidate.co/directory/appla-trading-ltd-aptdcy22)
[See all →](https://elucidate.co/directory/search?type=payments&cc=CY)
Claim this profile
## Work at Moneygate Solutions Limited?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
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 →](https://elucidate.co/directory/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 ↗](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.
- **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](https://moneygate.com/) (official website) · [original](https://moneygate.com/__l5e/assets-v1/d0719c8a-bd3d-427b-b4a2-9ced6f86af15/moneygate-horizontal-white.png); Nicolas Treppides: [moneygate.com](https://moneygate.com/about) (official website) · [original](https://moneygate.com/team/nicolas-treppides.jpg); Stelios Constantinou: [moneygate.com](https://moneygate.com/about) (official website) · [original](https://moneygate.com/team/stelios-constantinou.jpg); Anna Pitta: [moneygate.com](https://moneygate.com/about) (official website) · [original](https://moneygate.com/team/anna-pitta.jpg); Panayiotis Theodosiou: [moneygate.com](https://moneygate.com/about) (official website) · [original](https://moneygate.com/team/panayiotis-theodosiou.jpg); Demetris Theodoulou: [moneygate.com](https://moneygate.com/about) (official website) · [original](https://moneygate.com/team/demetris-theodoulou.jpg); Marios Cosma: [moneygate.com](https://moneygate.com/about) (official website) · [original](https://moneygate.com/team/marios-cosma.jpg).
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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.