--- title: "Ria Payment Institution, EP, S.A. · Payment institution (Bank of Spain) · Spain | Elucidate" description: "Ria Payment Institution, EP, S.A. is authorised by Bank of Spain as a payment institution in Spain. Licence 6842. LEI 959800MZ9RKV1PTRP895. Register status, licences, activities and ownership." url: https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912 --- 1. [Directory](https://elucidate.co/directory) 2. [Spain](https://elucidate.co/directory/country/es) 3. Ria Payment Institution, EP, S.A. Spain · Payments & e-money # Ria Payment Institution, EP, S.A. Legal name in the LEI record RIA PAYMENT INSTITUTION EP SA Ria Payment Institution, EP, S.A. is a Spanish sociedad anónima with its head office in Alcobendas (Madrid). The Banco de España authorises it as a payment institution under entity number 6842. It is a single-shareholder company in the Euronet Worldwide, Inc. group and trades under the Ria brand. It sells money remittance through Ria stores and agents in Spain and other EEA states, and it sells foreign banknotes in Spain as Ria Currency Exchange. Register status Licensed in Spain Payment institution · Bank of Spain Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912#licences) BIC **No BIC** LEI **[959800MZ9RKV1PTRP895](https://search.gleif.org/#/record/959800MZ9RKV1PTRP895)** [Licence no. **6842**](https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912#licences) [Group: Euronet Worldwide, Inc.](https://elucidate.co/directory/group/YG3575C4DSHJPA5KET68) ## Licences and registrations Held by Ria Payment Institution, EP, S.A. (LEI 959800MZ9RKV1PTRP895). 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) Bank of Spain | Payment institutionPayment Institution | 6842 | [Spain](https://elucidate.co/directory/country/es) | Active | 2019-03-15 | — | - Money remittance - 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. ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912#overview-sources) Customers Not published Employees Not published Ownership Group subsidiary Firm type Money remittance Trades as Ria Money Transfer - **Ownership:** The firm is a single-shareholder company (S.A.U.) in the Euronet Worldwide, Inc. group, and GLEIF records Euronet Worldwide, Inc. as its ultimate accounting parent. - **Ultimate owner:** Euronet Worldwide, Inc., United States - **Head office:** Calle Cantabria 2, Edificio Amura, planta 2, puerta A-1, 28108 Alcobendas, Spain - **Company register:** Registro Mercantil de Madrid, hoja M-116398 (NIF A-80696792) ### Online - **Websites & references:** [riamoneytransfer.com ↗](https://www.riamoneytransfer.com/) [riacurrencyexchange.es ↗](https://www.riacurrencyexchange.es/) Spanish currency exchange (foreign banknote) site operated by this entity [help.riamoneytransfer.com ↗](https://help.riamoneytransfer.com/hc/en-us) Ria help centre (brand level) [Wikipedia ↗](https://en.wikipedia.org/wiki/Ria_Money_Transfer) group article - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/ria-financial/) · [X ↗](https://x.com/RiaFinancial) · [Facebook ↗](https://www.facebook.com/RiaFinancialServices/) · [Instagram ↗](https://www.instagram.com/riamoneytransfer/) · [YouTube ↗](https://www.youtube.com/channel/UCCXj0hcN7Iien7QTSOrRlZQ) Sources · 8 pages consulted 1. [riamoneytransfer.com/en-de/retail-terms/](https://www.riamoneytransfer.com/en-de/retail-terms/) 2. [riacurrencyexchange.es/es/documentos/terminos-y-condiciones.pdf](https://www.riacurrencyexchange.es/es/documentos/terminos-y-condiciones.pdf) 3. [riamoneytransfer.com/en-it/transparency/](https://www.riamoneytransfer.com/en-it/transparency/) 4. [riacurrencyexchange.es/en](https://www.riacurrencyexchange.es/en) 5. [riamoneytransfer.com/en/corporate/leadership/](https://www.riamoneytransfer.com/en/corporate/leadership/) 6. [bportugal.pt/en/entidadeautorizada/ria-payment-institution-ep-sa](https://www.bportugal.pt/en/entidadeautorizada/ria-payment-institution-ep-sa) 7. [lb.lt/en/sfi-financial-market-participants/ria-lithuania-uab](https://www.lb.lt/en/sfi-financial-market-participants/ria-lithuania-uab) 8. [en.wikipedia.org/wiki/Ria\_Money\_Transfer](https://en.wikipedia.org/wiki/Ria_Money_Transfer) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912#overview-sources) - **Operates under:** Its own licences The Banco de España authorises the firm as a payment institution under entity number 6842. According to its terms, the Spanish Ministry of Economy and Treasury first authorised it on 28 July 2011. It passports this licence to other EEA states, including Italy (via agent Ria Italia Srl), Germany and Portugal. The firm does not publish the total number of host states. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Banco de España Spain | Entidad de pago (payment institution): money remittance and payment services | 6842 | In its own name | Active | [riamoneytransfer.com ↗](https://www.riamoneytransfer.com/en-de/retail-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/ria-payment-institution-ep-s-a-4ea3a7a4c912#overview-sources) - **Safeguarding:** Insurance or guaranteeThe firm states that it protects funds received for payment orders with a guarantee from an authorised insurer or licensed credit institution under Article 16 of Royal Decree 736/2019, and that these funds are not covered by the Deposit Guarantee Fund. [riamoneytransfer.com ↗](https://www.riamoneytransfer.com/en-de/retail-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/ria-payment-institution-ep-s-a-4ea3a7a4c912#overview-sources) - International money transfer - Cash pick-up - Bureau de change It sends money from its EEA agent networks to beneficiaries abroad for cash pickup or bank deposit, and in Spain it sells foreign banknotes for store pickup or home delivery. It serves customers in Spain under its Banco de España licence and, through agents, in other EEA states including Germany, Italy and Portugal. - **Sells to:** Consumers - **Serves customers in 4 countries:** Spain · Germany · Italy · Portugal ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912#overview-sources) - **Chief executive:** Shawn Fielder President & Chief Executive Officer (Ria group level) Confirmed 29 Sep 2026 · [riamoneytransfer.com ↗](https://www.riamoneytransfer.com/en/corporate/leadership/) - **Executive:** Juan Bianchi EVP & CEO Money Transfer Segment - Euronet (group level) Confirmed 29 Sep 2026 · [riamoneytransfer.com ↗](https://www.riamoneytransfer.com/en/corporate/leadership/) - **Chief financial officer:** Enric Balcells Chief Financial Officer (Ria group level) Confirmed 29 Sep 2026 · [riamoneytransfer.com ↗](https://www.riamoneytransfer.com/en/corporate/leadership/) - **Compliance / MLRO:** Luz Lapeyre Chief Compliance Officer (Ria group level) Confirmed 29 Sep 2026 · [riamoneytransfer.com ↗](https://www.riamoneytransfer.com/en/corporate/leadership/) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912#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 - **Licence no. · EBA-PSD2:** 6842 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [959800MZ9RKV1PTRP895 ↗](https://search.gleif.org/#/record/959800MZ9RKV1PTRP895) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 4ea3a7a4c912 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Money remittance - Payment services - **Licensed in:** [Spain](https://elucidate.co/directory/country/es) · Europe & Central Asia - **First registered:** 2019-03-15 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 - **Ultimate parent:** Euronet Worldwide, Inc. · United States[YG3575C4DSHJPA5KET68 ↗](https://search.gleif.org/#/record/YG3575C4DSHJPA5KET68) The Euronet Worldwide, Inc. group has 7 institutions in the directory, in 6 countries: 6 hold a BIC and 1 does not. Including [Euronet 360 Finance Limited](https://elucidate.co/directory/euronet-360-finance-limited-epcsgb2l), [Hifx Europe Limited](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l), [Ria Lithuania Uab](https://elucidate.co/directory/ria-lithuania-uab-rilalt22), [Dandelion Payments, Inc.](https://elucidate.co/directory/dandelion-payments-inc-riaius66), [Xe Corporation](https://elucidate.co/directory/xe-corporation-hifxcatt). [See the Euronet Worldwide, Inc. group →](https://elucidate.co/directory/group/YG3575C4DSHJPA5KET68) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Address on the register:** CALLE CANTABRIA, EDF. AMURA 2 PL. 2, PTA. 1-A, ALCOBENDAS, 28108 - **Country:** Spain ## 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 959800MZ9RKV1PTRP895 RIA PAYMENT INSTITUTION, EP, S.A. 28108 ALCOBENDAS ES CALLE CANTABRIA EDF. AMURA 2 PL. 2, PTA. 1-A ``` 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 ### Same group - [Euronet 360 Finance Limited BIC EPCSGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900009 (FCA-EMI) · LEI 549300YW06JHD2TT6Z37](https://elucidate.co/directory/euronet-360-finance-limited-epcsgb2l) - [Hifx Europe Limited BIC HIFXGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 462444 (FCA-PSD) · LEI 213800H3COEKQ1BZJU21](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l) - [Ria Lithuania Uab BIC RILALT22 Payments & e-money Prudential licence Lithuania · Licensed by Bank of Lithuania · LB002021 (EBA-PSD2) · LEI 549300VDSXMAERRE0J80](https://elucidate.co/directory/ria-lithuania-uab-rilalt22) - [Dandelion Payments, Inc. BIC RIAIUS66 Money service business AML registration only United States · Registered with FinCEN (FINCEN-MSB) · LEI UUUAZ6TU8W2Q6HG0WH41](https://elucidate.co/directory/dandelion-payments-inc-riaius66) - [Xe Corporation BIC HIFXCATT Money service business AML registration only Canada · Registered with FINTRAC · C100000469 (FINTRAC-MSB) · LEI 9845007E6BD2E3F3D183](https://elucidate.co/directory/xe-corporation-hifxcatt) - [Hifx Australia Pty LTD BIC HIFXAU2S Financial institution Not on a tracked register Australia · Not on a tracked register · LEI 894500UUX2FYTG9YFH69](https://elucidate.co/directory/hifx-australia-pty-ltd-hifxau2s) [All 7 institutions in the Euronet Worldwide, Inc. group →](https://elucidate.co/directory/group/YG3575C4DSHJPA5KET68) ### Other payments & e-money institutions in Spain - [Sheffield Ventures, S.l. No BIC Payments & e-money Money service business Prudential licence Spain · Licensed by Bank of Spain · 6885 (EBA-PSD2) · also on FINTRAC-MSB · LEI 959800FHCYS14PKLMU53](https://elucidate.co/directory/sheffield-ventures-s-l-b0c4d9f8c767) - [Bitcoinforme S.L. · trading as Bit2Me No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6947 (EBA-PSD2) · also on ESMA-CASP · LEI 9598007R5LSUJLGLS853](https://elucidate.co/directory/bitcoinforme-s-l-e77eb0ba979c) - [Criptan Trade S.l. · trading as CRIPTAN No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6951 (EBA-PSD2) · also on ESMA-CASP · LEI 959800AZN23P7F30C189](https://elucidate.co/directory/criptan-trade-s-l-9b85c68e3b36) - [Crossmint Europe S.l. · trading as CROSSMINT No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6949 (EBA-PSD2) · also on ESMA-CASP · LEI 959800B6XCG14MKLTJ51](https://elucidate.co/directory/crossmint-europe-s-l-c8f7619b922a) - [Getnet Emoney Ede Sl BIC PAGOES22 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6722 (EBA-PSD2) · LEI 254900KRBS1LY7YOHY21](https://elucidate.co/directory/getnet-emoney-ede-sl-pagoes22) - [Minos Global S.l. · trading as MINOS GLOBAL No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6948 (EBA-PSD2) · also on ESMA-CASP · LEI 959800U0R44NN5DJC930](https://elucidate.co/directory/minos-global-s-l-a8be650c1a6f) - [Outpayce SA BIC OUTPESM2 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6727 (EBA-PSD2) · LEI 9598005RQYUKA5W3GH05](https://elucidate.co/directory/outpayce-sa-outpesm2) - [Abanca Servicios Financieros E.f.c., S.A. No BIC Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 8620 (EBA-PSD2) · LEI 549300ORPMRMXB2JO334](https://elucidate.co/directory/abanca-servicios-financieros-e-f-c-s-a-b5a87a51f763) [See all →](https://elucidate.co/directory/search?type=payments&cc=ES) [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 - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **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. ## 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.