Finland · Payments & e-money
Pliant OY
Pliant Oy is a Finnish limited company based in Helsinki. The Finnish Financial Supervisory Authority (FIN-FSA) authorises it as an electronic money institution. It is a subsidiary of Pliant GmbH of Berlin, which runs the Pliant platform and app. The firm issues Visa corporate credit cards and runs the e-money accounts behind them for business customers in the EU. Card issuers and platforms can also use its programmes through the group's cards-as-a-service offer. In the UK, a different firm, Transact Payments Limited, issues Pliant cards.
Licences and registrations
Held by Pliant Oy (LEI 98450068EE8F7D85B666). 3 entries on 2 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterFinnish Financial Supervisory AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | 32669139 | Finland | Active | 2023-04-28 | — |
|
Search the register ↗ |
| EBA PSD2 RegisterFinnish Financial Supervisory AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Account information service providerAccount Information Service Provider | 32669139 | Finland | Active | 2023-04-28 | — |
|
Search the register ↗ |
| Money Services Business RegistryFINTRACLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Foreign MSB (FMSB)Money Transmitter / Remittance | C10001591 | Canada | Active | 2025-12-30 | Renews 2027-12-31 |
|
Search the register ↗ |
Licences and registrations listed here were granted in Canada. This BIC is registered in Finland.
- 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
- PLITFIH2XXX 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 PLITFIH2 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2025-03-01
- Last updated
- 2026-01-02
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Pliant GmbH
Firm type
E-money and accounts
Trades as Pliant
- Ownership
- Pliant GmbH of Berlin, which is backed by venture capital, describes the firm as its subsidiary.
- Direct parent
- Pliant GmbH, Germany
- Head office
- Pohjoisesplanadi 19, 00100 Helsinki, Finland
- Company register
- Finnish Patent and Registration Office (PRH) 3266913-9
- Incorporated
- 21 Mar 2022
- Founders
- Malte Rau · Fabian Terner
Online
- Websites & references
- getpliant.com ↗
customer-api.getpliant.com ↗ Pro API developer documentation
partner.getpliant.com ↗ Cards-as-a-service partner API documentation
app.getpliant.com ↗ customer login (web app)
help.getpliant.com ↗ help centre - Official social accounts
- LinkedIn ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 12 pages consulted
- getpliant.com/en/imprint
- getpliant.com/en/about-pliant
- a.storyblok.com/f/118211/x/90bb76b022/issuer_terms_and_conditions_pliant_oy_bc_2026-02-06_en_de_.pdf
- documents.getpliant.com/ISSUER_DATA_PRIVACY_POLICY_PLIANT_OY_2024-06-27.pdf
- getpliant.com/en-us/press/pliant-secures-emi-license-and-visa-principal-membership/
- getpliant.com/en/press/series-b
- getpliant.com/en/press/pliant-coastal
- getpliant.com/en-us/press
- uzraudziba.bank.lv/en/market/payment-service-providers/electronic-money-institutions/service-providers-from-
- bportugal.pt/en/entidadeautorizada/pliant-oy
- lei.bloomberg.com/leis/view/98450068EE8F7D85B666
- fintech.global/2026/08/06/thredd-powers-pliants-us-expansion-with-visa-card-launch/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FIN-FSA authorises the firm as an electronic money institution. The authorisation also covers account information and payment initiation services. Host-state registers in Latvia, Lithuania, Estonia and Portugal list the firm as providing cross-border services from Finland.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Finnish Financial Supervisory Authority (FIN-FSA) Finland | Electronic money institution (including account information and payment initiation services) | 32669139 | In its own name | Active | a.storyblok.com ↗ |
| Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) Canada | Foreign money services business (money remittance, currency exchange) | C10001591 | 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 accountsAccording to its terms, the firm may hold customer funds in segregated safeguarding accounts at credit institutions or in qualifying low-risk money market funds.
- Payment schemes and card networks
- Visa Direct getpliant.com ↗
SEPA Direct Debit Access not stated a.storyblok.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 issues physical and virtual Visa corporate credit cards linked to e-money accounts, with company credit limits, cashback and spend controls. Pliant GmbH provides the platform and white-label programmes for software platforms and banks.
The firm serves business customers in the EEA under its Finnish authorisation. Its terms list customer-service lines for ten EEA countries and add country clauses for eight more.
- Sells to
- Small businesses · Enterprises · Platforms and marketplaces · Financial institutions
- Serves customers in 17 countries
- Finland · Germany · Austria · Netherlands · Belgium · Ireland · Italy · Luxembourg · Spain · Portugal · Cyprus · Greece · Hungary · Malta · Latvia · Lithuania · Estonia
- Latest funding round
- Series B · USD 40m Apr 2025Led by Illuminate Financial, Speedinvest
- Total raised
- USD 100m to Apr 2025 · getpliant.com ↗
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Jenna Tirkkonen Managing Director, Pliant Oy (Chief Executive Officer Finland)
- Founder
- Malte Rau Co-founder, Chief Executive Officer (Pliant group); Managing Director, Pliant GmbH
- Founder
- Fabian Terner Co-founder, Chief Product Officer (Pliant group); Managing Director, Pliant GmbH
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The Pliant group launched business card payments in the United States through a partnership with Coastal, a US bank holding company.
getpliant.com ↗ -
Funding
Pliant raised USD 40 million in a Series B round led by Illuminate Financial and Speedinvest.
getpliant.com ↗ -
Merger / acquisition
The Pliant group acquired hi.health, an insurance technology company based in Vienna.
getpliant.com ↗ -
Other
Pliant announced a partnership with Vereinigte Volksbank Raiffeisenbank eG, which finances the firm's card receivables.
getpliant.com ↗ -
Funding
Pliant announced a EUR 100 million debt facility to fund card issuing under its own e-money licence.
getpliant.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
- PLITFIH2XXX
- How the BIC breaks down
- PLITBank
- FICountry · Finland
- H2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 98450068EE8F7D85B666
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 32669139
- Licence no. · FINTRAC-MSB
- C10001591
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry IDs
- e18ebebeac1d · c402d66b1c44
Profile
- Type
- Payments & e-money · Money service businessPayment 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
- 3 entries on 2 registers
- Activities
- Payment services
- Payment initiation
- Account information
- E-money / stored value
- Money remittance
- Currency exchange
- Website (register)
- HTTPS://WWW.GETPLIANT.COM/FI ↗
- Country · region
- Finland · 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
- POHJOISESPLANADI 19 HELSINKI 00100 FINLAND
- Operational address
- POHJOISESPLANADI 19 HELSINKI 00100 HELSINKI FINLAND
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>PLITFIH2XXX</BICFI>
<LEI>98450068EE8F7D85B666</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>PLITFIH2XXX</BICFI>
<LEI>98450068EE8F7D85B666</LEI>
<Nm>PLIANT OY</Nm>
<PstlAdr>
<TwnNm>HELSINKI</TwnNm>
<Ctry>FI</Ctry>
<AdrLine>POHJOISESPLANADI 19 HELSINKI 00100</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.
Claim this profile
Work at Pliant OY?
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.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
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
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Money Services Business Registry—Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) · 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: getpliant.com (official website) · original.
Assess the financial crime risk behind a BIC
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.
Book a demo