Spain · Payments & e-money
Neo Payment Factory S.L.
Neo Payment Factory, S.L. is a Spanish limited company with its head office in Barcelona. The Bank of Spain authorises it as a payment institution under PSD2, with register number 6891. Neo Capital Ventures SL, the holding company of the Neo group, owns it in full, and the firm says the group is mainly owned by its three founders and core management. Under the Neo brand, it offers businesses and financial institutions multi-currency IBAN accounts, cross-border payments under its own BIC and foreign exchange.
Licences and registrations
Held by Neo Payment Factory S.L. (LEI 9845009A5A41A662B402). 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 RegisterBank of SpainLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 6891 | Spain | Active | 2019-10-11 | — |
|
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.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- NEOPESBBXXX 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 NEOPESBB directly.
- Swift GPI
- Live member
- Payment schemes and systems
- SCT · VOP
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2019-09-14
- Last updated
- 2026-04-15
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Neo Capital Ventures SL
Firm type
FX and business payments
Trades as Neo
- Ownership
- Neo Capital Ventures SL holds 100% of the firm, and the group says its three founders and core management own most of the holding company.
- Direct parent
- Neo Capital Ventures SL, Spain 100%
- Head office
- Travessera de Gràcia 18, 3rd floor, 08021 Barcelona, Spain
- Company register
- NIF B67475111
- Founders
- Laurent Descout · Emmanuel Anton · Ian Yates
Online
- Websites & references
- getneo.com ↗
app.getneo.com ↗ client login platform - Official social accounts
- LinkedIn ↗
Sources · 11 pages consulted
- getneo.com/
- getneo.com/company/
- getneo.com/team/
- getneo.com/safeguarding-policy/
- getneo.com/complaints/
- getneo.com/non-eu/
- getneo.com/news/
- getneo.com/neo-and-triple-a-bring-stablecoin-payments-into-global-treasury-operations/
- getneo.com/neo-surpasses-25-billion-eur-corporate-payments/
- getneo.com/cross-border-payments-fintech-neo-hits-profitability-after-year-of-rapid-growth/
- bportugal.pt/en/entidadeautorizada/neo-payment-factory-sl
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Bank of Spain authorises the firm as a payment institution under PSD2, with register number 6891. Banco de Portugal lists it as providing services in Portugal on a free-provision basis since 15 December 2019.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Bank of Spain (Banco de España) Spain | Payment institution (entidad de pago) under PSD2 | 6891 | 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
- Safeguarding
- Segregated safeguarding accountsThe firm states that it holds client funds as cash, separate from its own funds, at ING Bank N.V. and J.P. Morgan SE, Luxembourg Branch. It says the Bank of Spain supervises these arrangements.
- Safeguarding bank
- ING Bank N.V. Netherlands
- Safeguarding bank
- J.P. Morgan SE, Luxembourg Branch Luxembourg
- Payment schemes and card networks
- Swift Direct getneo.com ↗
SEPA Access not stated getneo.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
The firm offers corporate accounts with an IBAN in the client's name for paying and collecting in about 25 currencies over Swift and SEPA. It also offers FX conversion and forward contracts. Since June 2026 it has offered stablecoin acceptance through its partner Triple-A, which converts receipts into local currency.
The firm says it markets its services only in the EU and serves non-EU residents only when they approach it. According to a September 2025 statement, it has more than 400 corporate clients in 28 countries.
- Payment volume
- EUR 7bncleared payment volume (stated as over EUR 7 billion in 2023)
- Sells to
- Small businesses · Enterprises · Financial institutions
- Serves customers in 2 countries
- Spain · Portugal
- Latest funding round
- EUR 12m
- Total raised
- USD 10m to Jan 2026 · getneo.com ↗
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Laurent Descout
CEO
- Compliance / MLRO
- Alvaro Javier Saenz Head of Financial Crime & MLRO
- Compliance / MLRO
- Ana Charques Head of Compliance
- Founder
-
Emmanuel Anton
Chief Operation Officer
- Founder
-
Ian Yates
Chief Technology Officer
- Executive
- Caroline Albertini Head of Internal Audit
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Neo named Triple-A its exclusive partner for stablecoin acceptance, with receipts converted into local currency on the Neo platform.
getneo.com ↗ -
Other
Neo announced that it had become profitable, reporting a profit of EUR 1 million for 2023.
getneo.com ↗
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
- NEOPESBBXXX
- How the BIC breaks down
- NEOPBank
- ESCountry · Spain
- BBLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9845009A5A41A662B402
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 6891
- 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
- a90e7556914a
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
- Licensed in
- Spain
- Country · region
- Spain · 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
- PUERTA 3 Y 4A FLOOR 3 CL TRAVESERA DE GRACIA 18 BARCELONA 08021 SPAIN
- Operational address
- CL TRAVESERA DE GRACIA 18 PUERTA 3 Y 4A FLOOR 3 BARCELONA 08021 BARCELONA SPAIN
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>NEOPESBBXXX</BICFI>
<LEI>9845009A5A41A662B402</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>NEOPESBBXXX</BICFI>
<LEI>9845009A5A41A662B402</LEI>
<Nm>NEO PAYMENT FACTORY S.L.</Nm>
<PstlAdr>
<TwnNm>BARCELONA</TwnNm>
<Ctry>ES</Ctry>
<AdrLine>PUERTA 3 Y 4A FLOOR 3 CL TRAVESERA DE GRACIA 18 BARCELONA 08021</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 | 2020-04-06 | Head office | — |
| Verification of Payee | 2025-10-05 | 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.
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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.
- 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.
- 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: getneo.com (official website); Laurent Descout: getneo.com (official website) · original; Emmanuel Anton: getneo.com (official website) · original; Ian Yates: getneo.com (official website) · original.
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