Belgium · Payments & e-money
Sendwave
Sendwave SA is a Belgian société anonyme (public limited company) based in Brussels. The National Bank of Belgium authorises it as a payment institution. It is the contracting entity for customers of the Sendwave brand who live in the European Economic Area (EEA). It is a company of the Zepz group, which also runs the WorldRemit brand. Through the Sendwave app it offers international money transfers and airtime top-ups to consumers.
Licences and registrations
Held by Sendwave (LEI 699400T9YX0QTS96H229). 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 RegisterNational Bank of Belgium | Payment institutionPayment Institution | 0733531321 | Belgium | Active | 2020-03-24 | — |
|
Search the register ↗ |
- 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
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Firm type
Money remittance
Trades as Sendwave
- Ownership
- The firm describes itself as a Zepz company, part of the group behind the WorldRemit and Sendwave brands. Its direct shareholder is not stated on the pages reviewed.
- Head office
- Rue du Commerce 31, 1000 Brussels, Belgium
- Company register
- Belgian Crossroads Bank for Enterprises (BCE/KBO) 0733.531.321
Online
- Websites & references
- sendwave.com ↗
zepz.io ↗ group website (Zepz)
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 12 pages consulted
- sendwave.com/en/contact
- assets.ctfassets.net/pqe6664kagrv/77NEhynIUQZNHeU2zmxAn8/70174297187102e433d4e8a7f6d0f82f/080626_SWTermsEU-EEA
- sendwave.com/en/terms-and-conditions/european-union-edition
- sendwave.com/en/customer-complaints
- sendwave.com/en/our-story
- assets.ctfassets.net/pqe6664kagrv/1Ds5dFs9vy6hPZ9BD6Sotq/0223b59cb9f1b0cf6ec48eda0bf512f4/FINAL_VERSION_UW_PLU
- sendwave.com/en/support?to=bd
- zepz.io/press/zepz-appoints-barrie-morris-as-interim-ceo-as-mark-lenhard-steps-down/
- zepz.io/press/zepz-and-circle-join-forces-to-reimagine-global-remittances-with-stablecoin-technol
- zepz.io/
- zepz.io/reflecting-on-2025-and-the-communities-we-support/
- lb.lt/en/sfi-financial-market-participants/sendwave-sa
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The National Bank of Belgium authorises the firm as a payment institution under PSD2 (Payment Services Directive 2), with money remittance among its activities. The firm has not published how many EEA states its licence is passported to. The Sendwave Wallet and Sendwave Card are provided by a separate group company, Sendwave Costa Rica S.R.L., not by this entity.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| National Bank of Belgium Belgium | Payment institution | 0733531321 | In its own name | Active | sendwave.com ↗ |
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.
Products and markets
Researched 29 Sep 2026 · Sources
Under its EU/EEA terms the firm offers app-based money transfers, paid out to bank accounts, mobile money wallets or cash pickup, and airtime top-ups. Its FAQ lists destinations in Africa and Asia, including Kenya, Ghana, Nigeria, Senegal and Bangladesh.
Its EU/EEA terms cover residents of all EEA states. The Sendwave site runs country pages for France, Italy, Portugal and Spain and customer phone lines for Ireland, Belgium and Germany.
- Payment volume
- USD 17bnmoney transferred for customers across the WorldRemit and Sendwave brands (stated as more than USD 17 billion)
- Sells to
- Consumers
- Serves customers in 7 countries
- France · Italy · Spain · Ireland · Portugal · Belgium · Germany
- Latest funding round
- Series F · USD 267m Jun 2024Led by Accel
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Barrie Morris Interim Chief Executive Officer, Zepz (group level)
- Chair
- Melissa Birge Chair of the Zepz Board of Directors (group level)
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Zepz announced that CEO Mark Lenhard would step down and appointed CFO Barrie Morris as interim CEO of the group.
zepz.io ↗ -
Other
Zepz launched the Sendwave Wallet for USDC, a US dollar stablecoin, provided by Sendwave Costa Rica S.R.L., not by this entity.
zepz.io ↗ -
Funding
Zepz secured USD 165 million in revolving and term debt facilities led by HSBC Innovation Banking and HSBC Private Credit.
zepz.io ↗
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
- 0733531321
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate to GLEIF on name, country and address
- Elucidate firm ID
- 4074cf8d6be0
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.
- Main licence class
- Payment Institution
- Activities
- Money remittance
- Payment services
- Licensed in
- Belgium · Europe & Central Asia
- First registered
- 2020-03-24
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
- Rue du Commerce 31, Brussel, 1000
- Country
- Belgium
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 one address line
<FinInstnId>
<LEI>699400T9YX0QTS96H229</LEI>
<Nm>Sendwave</Nm>
<PstlAdr>
<PstCd>1000</PstCd>
<TwnNm>Brussel</TwnNm>
<Ctry>BE</Ctry>
<AdrLine>Rue du Commerce 31</AdrLine>
</PstlAdr>
</FinInstnId>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.
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 →Register for this page
- EBA PSD2 Register—European Banking Authority (EBA) · source ↗ 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.
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) is an independent score of the financial crime risk of banks and payment institutions.
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