---
title: "Sfs-Financial Services, Ime, SA SWIFT/BIC code SONVPTP1XXX · Portugal | Elucidate"
description: "SWIFT/BIC code SONVPTP1XXX for Sfs-Financial Services, Ime, SA, Portugal. Head-office BIC, LEI 254900KMO91R36EF7R69, addresses and Swift connectivity."
url: https://elucidate.co/directory/sfs-financial-services-ime-sa-sonvptp1
---
1. [Directory](https://elucidate.co/directory)
2. [Portugal](https://elucidate.co/directory/country/pt)
3. Sfs-Financial Services, Ime, SA
Portugal · Financial institution
# Sfs-Financial Services, Ime, SA
Legal name in the LEI record Universo, IME, S.A.
BIC **SONVPTP1XXX** LEI **[254900KMO91R36EF7R69](https://search.gleif.org/#/record/254900KMO91R36EF7R69)** Licence no. **Not on a tracked register** Passive participant (no connection) Head-office BIC only [Group: Efanor Investimentos, Sgps, S.E.](https://elucidate.co/directory/group/549300QFQH64G9GD3T59) [Claim this profile](https://elucidate.co/directory/sfs-financial-services-ime-sa-sonvptp1#claim)
## Licences and registrations
None confirmed for Universo, Ime, S.A. (LEI 254900KMO91R36EF7R69). The register entries below share the LEI but are not merged into this page.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
### Other register entries with this LEI
Shown for reference: they share the LEI but are not merged into this page
- [Universo, IME, S.A. No BIC Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 7500 (EBA-PSD2) · LEI 254900KMO91R36EF7R69 (also mapped to a BIC) LEI matched by Elucidate to GLEIF on name, country and address. Not merged: the register name differs from the name on this BIC.](https://elucidate.co/directory/universo-ime-s-a-cc0e235d8345)
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** SONVPTP1XXX head office
- **Connection to Swift:** Passive participant (no connection)
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** [SCT · SCT Inst · SDD Core · VOP · TIPS](https://elucidate.co/directory/sfs-financial-services-ime-sa-sonvptp1#schemes)
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2017-04-01
- **Last updated:** 2020-06-03
## Identifiers
Head-office record
- **BIC:** SONVPTP1XXX
- **How the BIC breaks down:** 1. SONV Bank 2. PT Country · Portugal 3. P1 Location · passive 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 254900KMO91R36EF7R69
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/254900KMO91R36EF7R69)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
## Profile
- **Type:** Financial institution
- **Regulation:** Not on a tracked register
- **Register licences:** None confirmed for this legal entity. [1 register entry shares the LEI, not merged](https://elucidate.co/directory/sfs-financial-services-ime-sa-sonvptp1#licences)
- **Country · region:** Portugal · 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
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.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
## Ownership and group
GLEIF relationship records
- **Ultimate parent:** Efanor Investimentos, Sgps, S.E. · Portugal[549300QFQH64G9GD3T59 ↗](https://search.gleif.org/#/record/549300QFQH64G9GD3T59)
The Efanor Investimentos, Sgps, S.E. group has 3 institutions in the directory, in 1 country: 2 hold a BIC and 1 does not.
Including [Motivespontaneo](https://elucidate.co/directory/motivespontaneo-fadiptpp).
[See the Efanor Investimentos, Sgps, S.E. group →](https://elucidate.co/directory/group/549300QFQH64G9GD3T59)
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
## Addresses
- **Registered address:** MAIA HOLDING FLOOR 1 ESTRADA NACIONAL 13 KM 6, 78, LUGAR DO ESPIDO - VIA NORTE MAIA 4470-179 PORTUGAL
- **Operational address:** MAIA HOLDING FLOOR 1 ESTRADA NACIONAL 13 KM 6,78 LUGAR DO ESPIDO - VIA NORTE MAIA 4470-179 MAIA PORTUGAL
## 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+:** 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
```xml
SONVPTP1XXX
254900KMO91R36EF7R69
```
### 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
```xml
SONVPTP1XXX
254900KMO91R36EF7R69
SFS-FINANCIAL SERVICES, IME, SA
MAIA
PT
MAIA HOLDING FLOOR 1 ESTRADA NACIONAL 13 KM 6, 78
LUGAR DO ESPIDO - VIA NORTE MAIA 4470-179
```
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.
## Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
| --- | --- | --- | --- |
| SEPA Credit TransferISO 20022 messages | 2020-01-06 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2023-09-04 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2020-01-06 | Head office | — |
| Verification of Payee | 2025-10-06 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
## Related institutions
### Same group
- [Motivespontaneo BIC FADIPTPP Non-financial corporate Not on a tracked register Portugal · Not on a tracked register · LEI 254900DXLC6RUQLASW38](https://elucidate.co/directory/motivespontaneo-fadiptpp)
[All 3 institutions in the Efanor Investimentos, Sgps, S.E. group →](https://elucidate.co/directory/group/549300QFQH64G9GD3T59)
### Largest institutions in Portugal
- [Citibank Europe PLC Portugal Branch BIC CITIPTP1 Financial institution Not on a tracked register Portugal · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/citibank-europe-plc-portugal-branch-citiptp1)
- [Banco de Portugal BIC BGALPTTG Financial institution Not on a tracked register Portugal · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/banco-de-portugal-bgalpttg)
- [Banco Comercial Portugues, S.A. BIC BCOMPTPL Credit institution Prudential licence Portugal · On the ECB list of supervised entities · LEI JU1U6S0DG9YLT7N8ZV32](https://elucidate.co/directory/banco-comercial-portugues-s-a-bcomptpl)
- [Banco de Portugal BIC BGALPTPL Financial institution Not on a tracked register Portugal · Not on a tracked register · LEI 54930037NWG1CCVQHF93](https://elucidate.co/directory/banco-de-portugal-bgalptpl)
- [Banco Santander Totta, SA BIC TOTAPTPL Credit institution Prudential licence Portugal · On the ECB list of supervised entities · LEI 549300URJH9VSI58CS32](https://elucidate.co/directory/banco-santander-totta-sa-totaptpl)
- [Interbolsa - S.G.S.L.S.C.V.M., S.A. BIC IBLSPTPP Financial institution Not on a tracked register Portugal · Not on a tracked register · LEI 529900LG70TCAGWCXT47](https://elucidate.co/directory/interbolsa-s-g-s-l-s-c-v-m-s-a-iblsptpp)
- [Novo Banco, SA BIC BESCPTPL Credit institution Prudential licence Portugal · On the ECB list of supervised entities · LEI 5493009W2E2YDCXY6S81](https://elucidate.co/directory/novo-banco-sa-bescptpl)
- [Caixa Geral de Depositos BIC CGDIPTPL Credit institution Prudential licence Portugal · On the ECB list of supervised entities · LEI TO822O0VT80V06K0FH57](https://elucidate.co/directory/caixa-geral-de-depositos-cgdiptpl)
[See every BIC in Portugal →](https://elucidate.co/directory/country/pt#bics)
Claim this profile
## Work at Sfs-Financial Services, Ime, SA?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
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.
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 →](https://elucidate.co/directory/methodology)
Credits for this page
- **Payment schemes and systems**—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of TIPS participants and reachable parties.
- **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
## Assess the financial crime risk behind a BIC
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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.