Norway · Payments & e-money
Neonomics AS
Neonomics AS is a Norwegian limited company (aksjeselskap) based in Oslo. Finanstilsynet, the Norwegian Financial Supervisory Authority, authorises it as a payment institution for payment initiation and account information services. The firm says this licence is passported across the EU. It describes Fintech Innovation AS as its parent company. It sells open banking APIs and its Nello Pay, Nello Data and Nello AI products to businesses, mainly in the Nordic countries. In February 2026 the chief financial officer, Alfonso Muñoz, became interim chief executive, replacing founder Christoffer Andvig.
Licences and registrations
Held by Neonomics AS (LEI 6367003QI2VR7O241E20). 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 RegisterThe Financial Authority of NorwayLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 919041021 | Norway | Active | 2019-01-30 | — |
|
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
- NEOCNOK2XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of NEOCNOK2 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- VOP
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2025-09-06
- Last updated
- 2025-09-06
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Fintech Innovation AS
Firm type
Open banking
Trades as Neonomics
- Ownership
- The firm describes Fintech Innovation AS, an Oslo company, as the parent company of Neonomics AS. The size of its holding is not published.
- Direct parent
- Fintech Innovation AS, Norway
- Head office
- Ruseløkkveien 26, 0251 Oslo, Norway
- Company register
- Brønnøysund Register Centre 919041021
- Founder
- Christoffer Andvig
Online
- Websites & references
- neonomics.io ↗
trust.neonomics.io ↗ trust centre (security controls)
merchant.neonomics.io ↗ Nello Pay merchant portal
checkout.neonomics.io ↗ end-user payment profile login - Official social accounts
- LinkedIn ↗ · Instagram ↗ · YouTube ↗ · TikTok ↗
Sources · 14 pages consulted
- virksomhet.brreg.no/en/oppslag/enheter/919041021
- finanstilsynet.no/en/finanstilsynets-registry/details/?id=199328
- neonomics.io/news
- neonomics.io/about-us
- neonomics.io/legal
- neonomics.io/legal/end-user-terms-and-conditions
- cdn.prod.website-files.com/629617bde59a77881cb85420/6a79bcf20570e3adef9bdf87_Merchant%20T%26Cs%20-%20August%202026.p
- cdn.prod.website-files.com/629617bde59a77881cb85420/681863990087def94e12df85_General%20terms%20and%20conditions%20no
- neonomics.io/market-coverage
- neonomics.io/blog/alfonso-munoz-appointed-as-interim-chief-executive-officer
- neonomics.io/blog/neonomics-acquires-u-k-open-banking-platform-ordo
- tech.eu/2025/08/05/uk-open-banking-firm-ordo-to-close/
- neonomics.io/blog/neonomics-klager-til-konkurransetilsynet-pa-konkurransebegrensende-praksis-fra-banke
- finanstilsynet.no/nyhetsarkiv/tilsynsrapporter/2023/tilsynsrapport---neonomics-as/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
Finanstilsynet authorises the firm as a payment institution under section 2-10 of the Norwegian Act on financial institutions and financial groups. The licence covers payment initiation and account information services. The firm states that the licence is passported across the EU.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Finanstilsynet (Financial Supervisory Authority of Norway) Norway | Payment institution (payment initiation and account information services) | 919041021 | In its own name | Active | finanstilsynet.no ↗ |
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
It sells Pay by Bank payment initiation (Nello Pay and a Pay by Bank API), account data and verification services (Nello Data and an Account Data API) and transaction categorisation (Nello AI). Its customers include debt collectors, e-invoicing services, lenders, investment platforms and fundraising platforms.
The firm publishes end-user terms for Norway, Sweden, Finland and Denmark and lists live bank coverage in these four countries. It lists further European countries as available through a partner API with a minimum volume commitment.
- Sells to
- Enterprises · Small businesses · Financial institutions · Platforms and marketplaces
- Serves customers in 4 countries
- Norway · Sweden · Denmark · Finland
- Total raised
- USD 50m · neonomics.io ↗
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Alfonso Muñoz
Interim Chief Executive Officer (appointed CFO in 2025)
- Chair
- Johnny Rindahl Chairman of the Board
- Executive
-
Antonio J. Lopez
Chief Technology & Product Officer
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed CFO Alfonso Muñoz as interim chief executive from 5 February 2026, succeeding founder Christoffer Andvig as CEO.
neonomics.io ↗ -
Leadership
Antonio Jose Lopez Garrido joined the firm as Chief Technology & Product Officer.
neonomics.io ↗ -
Other
The Neonomics group announced the closure of its UK subsidiary Ordo to focus on the Nordic and wider EU markets.
tech.eu ↗ -
Merger / acquisition
Fintech Innovation AS, the firm's parent, acquired 100% of UK FCA-authorised The Smart Request Company Limited, trading as Ordo.
neonomics.io ↗ -
Other
The firm filed a complaint with the Norwegian Competition Authority about banks' practices in the Norwegian payments market.
neonomics.io ↗
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
- NEOCNOK2XXX
- How the BIC breaks down
- NEOCBank
- NOCountry · Norway
- K2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 6367003QI2VR7O241E20
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 919041021
- 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
- 7c4fba57c49a
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
- Account information
- Licensed in
- Norway
- Country · region
- Norway · Europe & Central Asia
- 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
- RUSELOKKVEIEN 26 OSLO NORWAY
- Operational address
- RUSELOKKVEIEN 26 OSLO OSLO NORWAY
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>NEOCNOK2XXX</BICFI>
<LEI>6367003QI2VR7O241E20</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>NEOCNOK2XXX</BICFI>
<LEI>6367003QI2VR7O241E20</LEI>
<Nm>NEONOMICS AS</Nm>
<PstlAdr>
<TwnNm>OSLO</TwnNm>
<Ctry>NO</Ctry>
<AdrLine>RUSELOKKVEIEN 26 OSLO</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 |
|---|---|---|---|
| Verification of Payee | 2025-11-27 | 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.
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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: neonomics.io (official website) · original; Alfonso Muñoz: neonomics.io (official website) · original; Antonio J. Lopez: neonomics.io (official website) · original.
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A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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