Spain · Payments & e-money
Servicios Financieros Carrefour, Establecimiento Financiero DE Credito, S.A.
Legal name in the LEI recordSERVICIOS FINANCIEROS CARREFOUR ESTABLECIMIENTO FINANCIERO DE CREDITO SA
Servicios Financieros Carrefour, E.F.C., S.A. is a Spanish specialised lending company (establecimiento financiero de crédito) based in Alcobendas, Madrid. It describes itself as a hybrid payment institution, and the Banco de España lists it under register number 8795. It is part of the Carrefour group. Its LEI record names Carrefour Banque as direct parent and Carrefour as ultimate parent for accounting consolidation. It issues the PASS and ClubPASS Mastercard credit cards and offers personal loans and in-store purchase financing, mainly to consumers in Spain.
Licences and registrations
Held by Servicios Financieros Carrefour, Establecimiento Financiero DE Credito, S.A. (LEI 5493009TO08H2XXXHQ45). 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 RegisterBank of Spain | Payment institutionPayment Institution | 8795 | Spain | Active | 2019-03-15 | — |
|
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
Employees
Not published
Ownership
Group subsidiary
Carrefour Banque
Firm type
Lending or buy now, pay later
Trades as Carrefour PASS / ClubPASS
- Ownership
- The firm's LEI record names Carrefour Banque as its direct parent and Carrefour as its ultimate parent for accounting consolidation. A 2020 press report put Carrefour's holding through its Spanish subsidiary at 55.92%, Carrefour Banque's at 6.8% and BNP Paribas's at 37.28%.
- Direct parent
- Carrefour Banque, France
- Ultimate owner
- Carrefour, France
- Head office
- Ctra. Madrid-Burgos, Km. 14,500, 28108 Alcobendas, Spain
- Company register
- Registro Mercantil de Madrid, Hoja M-5555 (CIF A-79456232)
Online
- Websites & references
- pass.carrefour.es ↗
- Official social accounts
- None found
Sources · 8 pages consulted
- pass.carrefour.es/sobre-nosotros
- pass.carrefour.es/
- pass.carrefour.es/solicitar-tarjeta
- carrefour.es/grupo-carrefour/sala-de-prensa/noticias.aspx?tcm=tcm%3A5-58556
- confilegal.com/20260226-primera-sentencia-colectiva-contra-el-revolving-el-supremo-tumba-las-tarjetas-pa
- forbes.es/economia/798875/la-financiera-espanola-de-carrefour-emite-un-bono-de-650-millones-con-dem
- eleconomista.es/empresas-finanzas/noticias/10824868/10/20/La-financiera-de-Carrefour-duplica-sus-benefici
- elespanol.com/invertia/empresas/banca/20240314/carrefour-ficha-santander-maria-ruiz-andujar-nombra-nuev
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Banco de España supervises the firm as an establecimiento financiero de crédito, listed under number 8795. The firm says it has the status of a hybrid payment institution, and the EBA payment institutions register lists it as a payment institution since 15 March 2019.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Banco de España Spain | Establecimiento financiero de crédito (Registro de Entidades Financieras de Crédito) | 8795 | In its own name | Active | pass.carrefour.es ↗ |
| Banco de España Spain | Payment institution (hybrid EFC; payment services and card acquiring, EBA PSD2 register) | 8795 | In its own name | Active | pass.carrefour.es ↗ |
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
- Payment schemes and card networks
- Mastercard Access not stated pass.carrefour.es ↗
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 issues the PASS and ClubPASS Mastercard credit card, which can be repaid at month end or on revolving credit and earns ChequeAhorro rewards at Carrefour. It also offers personal loans, 0% three-month financing on Carrefour purchases and a PASS card for self-employed people and businesses.
It serves customers in Spain, both online and through Carrefour stores.
- Sells to
- Consumers · Small businesses
- Serves customers in
- Spain
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- María Ruiz Andújar Directora de Servicios Financieros, Carrefour España
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Spain's Supreme Court, in judgment 257/2026 on a collective action by ASUFIN, declared the revolving-payment clause of the PASS card contract void for lack of transparency.
confilegal.com ↗ -
Other
The firm issued a EUR 650 million three-year bond maturing in June 2028, according to Forbes España.
forbes.es ↗ -
Other
Carrefour España launched the ClubPASS credit card with ChequeAhorro rewards and 0% three-month financing on Carrefour purchases.
carrefour.es ↗ -
Leadership
Carrefour appointed María Ruiz Andújar, formerly of Banco Santander, to head its Spanish financial services business.
elespanol.com ↗
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
- 8795
- 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
- f0a7c1a9efc1
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
- Payment services
- Card acquiring
- Licensed in
- Spain · 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
- Direct parent
- Carrefour Banque · France969500GVS02SJYG9S632 ↗
- Ultimate parent
- Carrefour · France549300B8P6MUJ1YWTS08 ↗
The Carrefour group has 5 institutions in the directory, in 2 countries: 4 hold a BIC and 1 does not.
Including Carrefour Banque, Market Pay, Carrefour Finance S.A., Finifac Sas.
See the Carrefour group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- CARRETERA NACIONAL I KM. 14,500 EDIFICIO DE OFICINAS, 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
<FinInstnId>
<LEI>5493009TO08H2XXXHQ45</LEI>
<Nm>SERVICIOS FINANCIEROS CARREFOUR, ESTABLECIMIENTO FINANCIERO DE CREDITO, S.A.</Nm>
<PstlAdr>
<PstCd>28108</PstCd>
<TwnNm>ALCOBENDAS</TwnNm>
<Ctry>ES</Ctry>
<AdrLine>CARRETERA NACIONAL I KM. 14</AdrLine>
<AdrLine>500 EDIFICIO DE OFICINAS</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
- 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) is an independent score of the financial crime risk of banks and payment institutions.
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