Czechia · Payments & e-money
Sab Finance A.S.
SAB Finance a.s. is a Czech public limited company based in Prague. The Czech National Bank (CNB) has authorised it as a payment institution since 27 April 2011. TRINITY Banking Group a.s. holds 54.92% of its shares, which have traded on the Prague Stock Exchange since 28 January 2021. It offers currency conversion, foreign payments and currency forwards, including its SAB TARF product, mainly to businesses.
Licences and registrations
Held by Sab Finance a.s. (LEI 31570010000000059556). 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 RegisterCzech National BankLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 24717444 | Czechia | Active | 2011-04-27 | — |
|
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
- SBFNCZP2XXX 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 SBFNCZP2 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
- 2019-08-04
- Last updated
- 2021-03-18
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
Ticker ISIN CZ0009009940
Firm type
FX and business payments
Trades as SAB Finance (online platform: ProStream®)
- Ownership
- TRINITY Banking Group a.s., wholly owned by Radomír Lapčík, holds 54.92% of the firm, and the remaining shares are held by public shareholders.
- Direct parent
- TRINITY Banking Group a.s. ↗, Czechia 54.92%
- Stock listing
- Prague Stock Exchange (Standard Market) ISIN CZ0009009940
- Head office
- Na Příkopě 969/33, 110 00 Praha 1 - Staré Město, Czechia
- Company register
- Commercial Register of the Municipal Court in Prague, file B 16383 (IČO 247 17 444)
- Incorporated
- 30 Jul 2010
- Founder
- Radomír Lapčík
Online
- Websites & references
- sab.cz ↗
prostream.cz ↗ ProStream® online FX and payments platform
sabtarf.sab.cz ↗ SAB TARF product site
openapi.sab.cz ↗ PSD2 dedicated interface (production API)
Wikidata Q67812760 ↗ - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · Spotify (podcast) ↗
Sources · 8 pages consulted
- sab.cz/media/files/Annual-Financial-Report-SAB-Finance-a.s.2025.pdf
- sab.cz/pro-investory
- sab.cz/o-nas
- sab.cz/pro-klienty
- sab.cz/ke-stazeni
- sab.cz/media/files/Zapis-z-VH-SAB-Finance-18.9.2026.pdf
- uohs.gov.cz/cs/informacni-centrum/tiskove-zpravy/hospodarska-soutez/3943-sab-financial-group-muze-zis
- cnb.cz/export/sites/cnb/cs/dohled-financni-trh/.galleries/prilohy/S-Sp-2024_00304_CNB_581.pdf
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The CNB authorises the firm as a payment institution under Act No. 370/2017 Coll. on payment systems. The EBA payment institutions register lists money remittance, payment services and card acquiring as its activities.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Czech National Bank Czechia | Payment institution (platební instituce) | 24717444 | 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 accountsThe firm states that the accounts collecting client funds from trades are kept separate from its own accounts and do not form part of its estate in insolvency.
- Settlement bank
- ING Bank N.V. (Prague branch) Netherlands
- Settlement bank · Partner
- TRINITY BANK a.s. Czechia
- Settlement bank
- Deutsche Bank Aktiengesellschaft Filiale Prag, organizační složka Germany
- Settlement bank
- Československá obchodní banka, a.s. Czechia
- Settlement bank
- Komerční banka, a.s. Czechia
- Settlement bank
- Česká spořitelna, a.s. Czechia
- Settlement bank
- MONETA Money Bank, a.s. Czechia
- Settlement bank
- Fio banka, a.s. Czechia
- Settlement bank
- Raiffeisenbank a.s. Czechia
- Settlement bank
- PKO BP S.A., Czech Branch Poland
- Settlement bank
- Tatra banka a.s. Slovakia
- Settlement bank
- Všeobecná úverová banka, a.s. Slovakia
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 converts currencies between client accounts, pays clients' invoices abroad, collects foreign payments and sells currency forwards, including SAB Forward, Forward+ and SAB TARF.
It serves clients mainly in Czechia and publishes ProStream® terms and documents for clients in Poland.
- Revenue
- CZK 538m
- Sells to
- Small businesses · Enterprises · Consumers
- Serves customers in 2 countries
- Czechia · Poland
Leadership
Researched 29 Sep 2026 · Sources
- Chair
- Petra Bilerová Chair of the Board of Directors
- Compliance / MLRO
- Dana Hübnerová Member of the Board of Directors and compliance officer
- Executive
- Dominik Rejzek Member of the Board of Directors and Senior Controller
- Executive
- Tomáš Kudela Chairman of the Supervisory Board and risk management officer
Recent events
Researched 29 Sep 2026 · Sources
-
Funding
The board decided on 25 September 2026 to raise share capital by up to CZK 366,038,036 through 943,397 new shares at CZK 1,060 each.
sab.cz ↗ -
Other
The parent TRINITY Banking Group a.s. subscribed CZK 50 million of the firm's bonds, after subscribing CZK 300 million in April 2026.
sab.cz ↗ -
Leadership
Petra Bilerová became chair of the board on 27 November 2025, after Ondřej Korecký resigned from the post on 3 November 2025.
sab.cz ↗ -
Other
The firm's group reduced its stake in TRINITY BANK a.s. to 19.73% and stopped treating it as an associate from 1 June 2025.
sab.cz ↗ -
Merger / acquisition
The firm sold 7,800,476 shares in SAB Europe Holding Ltd to Radomír Lapčík for CZK 345,394,345 and lost control of FCM Bank Limited.
sab.cz ↗ -
Other
The CNB approved on 8 April 2024 the acquisition of control of TRINITY BANK a.s. by the firm and other group entities.
sab.cz ↗ -
Funding
The firm completed a public share subscription on 30 October 2023, with 471,698 new shares subscribed in its second round.
sab.cz ↗
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
- SBFNCZP2XXX
- How the BIC breaks down
- SBFNBank
- CZCountry · Czechia
- P2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 31570010000000059556
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 24717444
- 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
- 34207d3803f8
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
- Card acquiring
- Licensed in
- Czechia
- Country · region
- Czechia · 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
- Founded
- 2010
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
- Direct parent
- Trinity Banking Group a.s. · Czechia3157006MU0QQCKVMI641 ↗
The Trinity Banking Group a.s. group has 4 institutions in the directory, in 3 countries: 3 hold a BIC and 1 does not.
Including Sab O.C.P., A.S., Trinity Bank A.S., SAB Corporate Finance Limited.
See the Trinity Banking Group a.s. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- SENOVAZNE NAMESTI 1375/19 PRAGUE 11000 CZECHIA
- Operational address
- SENOVAZNE NAMESTI 1375/19 PRAGUE 11000 PRAGUE CZECHIA
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>SBFNCZP2XXX</BICFI>
<LEI>31570010000000059556</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>SBFNCZP2XXX</BICFI>
<LEI>31570010000000059556</LEI>
<Nm>SAB FINANCE A.S.</Nm>
<PstlAdr>
<TwnNm>PRAGUE</TwnNm>
<Ctry>CZ</Ctry>
<AdrLine>SENOVAZNE NAMESTI 1375/19 PRAGUE 11000</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.
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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.
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ 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.
- 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: sab.cz (official website) · original.
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