--- title: "Refini.pl Spółka Z Ograniczoną Odpowiedzialnością · Exempted payment institution (Polish Financial Supervision Authority) · Poland | Elucidate" description: "Refini.pl Spółka Z Ograniczoną Odpowiedzialnością is registered with Polish Financial Supervision Authority as an exempted payment institution in Poland. Licence 7010827822. LEI 259400WA44CMONRV8I98. Register status, licences, activities and ownership." url: https://elucidate.co/directory/refini-pl-spo-ka-z-ograniczona-odpowiedzialnoscia-fc90c5af7b5c --- 1. [Directory](https://elucidate.co/directory) 2. [Poland](https://elucidate.co/directory/country/pl) 3. Refini.pl Spółka Z Ograniczoną Odpowiedzialnością Poland · Payments & e-money # Refini.pl Spółka Z Ograniczoną Odpowiedzialnością Register status Registered in Poland (small-firm regime) Exempted payment institution · Polish Financial Supervision Authority Small-firm registration [1 licence or registration ↓](https://elucidate.co/directory/refini-pl-spo-ka-z-ograniczona-odpowiedzialnoscia-fc90c5af7b5c#licences) BIC **No BIC** LEI **[259400WA44CMONRV8I98](https://search.gleif.org/#/record/259400WA44CMONRV8I98)** [Licence no. **7010827822**](https://elucidate.co/directory/refini-pl-spo-ka-z-ograniczona-odpowiedzialnoscia-fc90c5af7b5c#licences) ## Licences and registrations Held by Refini.pl Spółka Z Ograniczoną Odpowiedzialnością (LEI 259400WA44CMONRV8I98). 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) Polish Financial Supervision Authority | Exempted payment institutionPayment Institution | 7010827822 | [Poland](https://elucidate.co/directory/country/pl) | Active | 2023-02-17 | — | - Payment services | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - 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. ## Swift network Swift’s ISO 9362 BIC directory Holds no BIC in Swift’s directory. Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file. ## Identifiers - **Licence no. · EBA-PSD2:** 7010827822 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [259400WA44CMONRV8I98 ↗](https://search.gleif.org/#/record/259400WA44CMONRV8I98) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** fc90c5af7b5c ## Profile - **Type:** Payments & e-money - **Regulation:** Small-firm registration - **Main licence class:** Payment Institution - **Activities:** - Payment services - **Licensed in:** [Poland](https://elucidate.co/directory/country/pl) · Europe & Central Asia - **First registered:** 2023-02-17 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 - **Address on the register:** WILLIAMA HEERLEINA LINDLEYA 16, WARSZAWA, 02-013, PL, WARSZAWA, 02-013 - **Country:** Poland ## ISO 20022 identification As an agent in a Swift cross-border payment message (CBPR+) This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code. - **Identified by:** Name and postal address, with its LEI - **Postal address:** Hybrid: town, postcode and country in their own elements, the rest in two address lines ```xml 259400WA44CMONRV8I98 REFINI.PL SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ 02-013 WARSZAWA PL WILLIAMA HEERLEINA LINDLEYA 16 WARSZAWA, 02-013, PL ``` - The address line repeats the town or postcode. Remove the repeat if your payment system rejects it. - CBPR+ does not accept the characters Ó Ł Ą Ś in names and addresses. Transliterate before sending. CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent. The values are as published by the register. Check them against your own records before use. ## Related institutions ### Other payments & e-money institutions in Poland - [Ace Europe Sp. Z O.O. BIC MNAAPLP2 Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 5252729648 (EBA-PSD2) · LEI 259400JC0ITDQTZJ3Y65](https://elucidate.co/directory/ace-europe-sp-z-o-o-mnaaplp2) - [Allegro Finance spółka z ograniczoną odpowiedzialnością No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 7792511167 (EBA-PSD2) · LEI 25940017781GXRTEFA06](https://elucidate.co/directory/allegro-finance-spo-ka-z-ograniczona-odpowiedzialnoscia-106ef7bd2d9e) - [AUTOPAY SPÓŁKA AKCYJNA (d. Blue Media S.A.) No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 5851351185 (EBA-PSD2) · LEI 259400WGMYSV5C3N7442](https://elucidate.co/directory/autopay-spo-ka-akcyjna-d-blue-media-s-a-009076edb54f) - [BillBird S.A. No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 6762165116 (EBA-PSD2) · LEI 259400TFYCAU8NSVYG91](https://elucidate.co/directory/billbird-s-a-fcb7efc56a69) - [CARDINA spółka z ograniczoną odpowiedzialnością No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 5213738821 (EBA-PSD2) · LEI 2594001VIZLE0F4O2874](https://elucidate.co/directory/cardina-spo-ka-z-ograniczona-odpowiedzialnoscia-afdb9152f2cb) - [CashBill S.A. No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 6292410801 (EBA-PSD2) · LEI 2594006TKS5QK8W75N83](https://elucidate.co/directory/cashbill-s-a-be36d48f0266) - [Centrum Elektronicznych Usług Płatniczych eService Spółka z ograniczoną odpowiedzialnością No BIC Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 1181477610 (EBA-PSD2) · LEI 259400BGGYPG95RT8K26](https://elucidate.co/directory/centrum-elektronicznych-us-ug-p-atniczych-eservice-spo-ka-z-ograniczona-odpowied-7654b1e2267d) - [Currency One S.A. BIC CNENPLP1 Payments & e-money Prudential licence Poland · Licensed by Polish Financial Supervision Authority · 7831684097 (EBA-PSD2) · LEI 2594008XSRT2M3U9SE13](https://elucidate.co/directory/currency-one-s-a-cnenplp1) [See all →](https://elucidate.co/directory/search?type=payments&cc=PL) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) Sources & method Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI. An institution missing from these registers is not necessarily unregulated. Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists. 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) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) as at 25 September 2026 ## Assess the financial crime risk behind a licence A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) 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.