Germany · Payments & e-money
S-Kreditpartner GMBH
S-Kreditpartner GmbH is a German limited liability company based in Berlin. The Federal Financial Supervisory Authority (BaFin) supervises it, and it publishes disclosure reports under the EU Capital Requirements Regulation (CRR). Deutsche Leasing, Berliner Sparkasse/BSK 1818 and SKP Verbundgesellschaft, a company of the German savings banks, own the firm. It offers instalment loans, car loans and a revolving Visa credit card to customers of partner Sparkassen, which distribute its products. In August 2024 it transferred its dealer floor-plan financing for leisure vehicles to the Deutsche Leasing group.
Licences and registrations
Held by S-Kreditpartner GmbH (LEI 5299005GYMBALTZNZQ63). 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 RegisterFederal Financial Supervisory AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 124276 | Germany | Active | 2022-10-26 | — |
|
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
- SKPADEB1XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of SKPADEB1 marks a passive participant.
- 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
- 2011-03-05
- Last updated
- 2023-10-23
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
Firm type
Lending or buy now, pay later
Trades as S-Kreditpartner (SKP)
- Ownership
- Deutsche Leasing and Berliner Sparkasse announced in August 2024 that they would each hold 40% and SKP Verbundgesellschaft, set up under the German Savings Banks Association (DSGV), would hold 20%.
- Major shareholders
- Deutsche Sparkassen Leasing AG & Co. KG (Deutsche Leasing) 40%
Berliner Sparkasse/BSK 1818 40% - Head office
- Prinzregentenstraße 25, 10715 Berlin, Germany
- Company register
- Amtsgericht Charlottenburg (Berlin) HRB 134899 B
- Incorporated
- 2011
Online
- Websites & references
- s-kreditpartner.de ↗
app.s-kreditpartner.de ↗ FlexiGeld card banking web portal
skplab.de ↗ SKPlab innovation centre site
journal.skplab.de ↗ SKP Journal with annual key figures
Wikipedia ↗
Wikidata Q2204437 ↗ - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · Xing ↗ · Kununu ↗ · Instagram (S Kredit-per-Klick) ↗ · Facebook (S Kredit-per-Klick) ↗
- Apps
- Google Play ↗ · App Store ↗
Sources · 13 pages consulted
- s-kreditpartner.de/
- s-kreditpartner.de/impressum.html
- s-kreditpartner.de/ueber-uns.html
- s-kreditpartner.de/ueber-uns/investor-relations.html
- s-kreditpartner.de/pk/kredit/flexigeld.html
- s-kreditpartner.de/pk/kredit/flexigeld/faq.html
- journal.skplab.de/kennzahlen-2025/
- journal.skplab.de/wp-content/uploads/2025/07/SKP_Geschaftsjahr2024.pdf
- journal.skplab.de/
- deutsche-leasing.com/de/unternehmen/presse/pressemitteilungen/20240824-sparkassenverbund-ordnet-das-konsumente
- kreditwesen.de/kreditwesen/ergaenzende-informationen/kreditwesen-meldungen/s-kreditpartner-bekommt-neuen
- s-kreditpartner.de/ueber-uns/news.html
- brief.platow.de/banken/s-kreditpartner-schreibt-nach-steilem-aufstieg-rekordhohe-risikovorsorge/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
BaFin supervises the firm, and the EBA payment institutions register lists it as a payment institution for money remittance and payment services since 26 October 2022. IHK Berlin supervises its activity as an insurance agent under section 34d of the German Trade Regulation Code (GewO).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Federal Financial Supervisory Authority (BaFin) Germany | Licence for banking business under the German Banking Act (KWG) | — | In its own name | Active | s-kreditpartner.de ↗ |
| Federal Financial Supervisory Authority (BaFin), via EBA PSD2 register Germany | Payment institution (money remittance, payment services) | 124276 | In its own name | Active | — |
| Berlin Chamber of Industry and Commerce (IHK Berlin) Germany | Insurance agent with permission under section 34d(1) GewO | D-F5HW-TB9JU-10 | In its own name | Active | s-kreditpartner.de ↗ |
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
- Not applicableThe firm states that it does not offer credit balances or hold customer funds, and that it returns any overpayment on a FlexiGeld card account the same day.
- Payment schemes and card networks
- Visa Access not stated s-kreditpartner.de ↗
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
It offers instalment loans, car loans, the online loan S Kredit-per-Klick and the FlexiGeld revolving Visa credit card to Sparkasse customers. It also provides sales support and a loan syndication programme to Sparkassen.
It lends to residents of Germany through partner Sparkassen, which numbered 325 at the end of 2025 according to the firm.
- Sells to
- Consumers · Financial institutions
- Serves customers in
- Germany
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Heinz-Günter Scheer Geschäftsführer (managing director), responsible for credit operations and corporate centre functions
- Executive
- Jan Welsch Geschäftsführer (managing director), responsible for sales and treasury
- Chair
- Kai Ostermann Chair of the Supervisory Board (CEO of Deutsche Leasing AG)
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Kai Ostermann, CEO of Deutsche Leasing, became chair of the firm's Supervisory Board on 13 December 2024.
journal.skplab.de ↗ -
Merger / acquisition
Deutsche Leasing and Berliner Sparkasse agreed to admit SKP Verbundgesellschaft as a 20% shareholder, with each holding 40% after completion.
deutsche-leasing.com ↗ -
Merger / acquisition
The firm transferred its dealer floor-plan financing for leisure vehicles, about EUR 650 million, to Deutsche Leasing Finance GmbH.
kreditwesen.de ↗
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
- SKPADEB1XXX
- How the BIC breaks down
- SKPABank
- DECountry · Germany
- B1Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 5299005GYMBALTZNZQ63
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 124276
- 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
- 9ff50f11f78d
- National bank code
- Bankleitzahl 10050020
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
- Money remittance
- Payment services
- Licensed in
- Germany
- Country · region
- Germany · 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
- Founded
- 2011
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
- PRINZREGENTENSTR. 25 BERLIN 10715 GERMANY
- Operational address
- PRINZREGENTENSTR. 25 BERLIN 10715 BERLIN GERMANY
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 and its DEBLZ clearing code
- Roles in CBPR+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>SKPADEB1XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>DEBLZ</Cd>
</ClrSysId>
<MmbId>10050020</MmbId>
</ClrSysMmbId>
<LEI>5299005GYMBALTZNZQ63</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>SKPADEB1XXX</BICFI>
<ClrSysMmbId>
<ClrSysId>
<Cd>DEBLZ</Cd>
</ClrSysId>
<MmbId>10050020</MmbId>
</ClrSysMmbId>
<LEI>5299005GYMBALTZNZQ63</LEI>
<Nm>S-KREDITPARTNER GMBH</Nm>
<PstlAdr>
<TwnNm>BERLIN</TwnNm>
<Ctry>DE</Ctry>
<AdrLine>PRINZREGENTENSTR. 25 BERLIN 10715</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
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.
National bank codes
Bankleitzahl · Germany
1 code valid until 2026-12-06 · ISO 20022 clearing system code DEBLZ
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 10050020 | SKPADEB1XXX | S-Kreditpartner, Berlin | Berlin |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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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
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—Germany (Quelle: Deutsche Bundesbank).
- 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: s-kreditpartner.de (official website).
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