Ireland · Payments & e-money
Soldo Financial Services Ireland Dac
Legal name in the LEI recordSOLDO FINANCIAL SERVICES IRELAND DESIGNATED ACTIVITY COMPANY
Soldo Financial Services Ireland DAC is a designated activity company based in Dublin. The Central Bank of Ireland has authorised it as an electronic money institution since 14 February 2019 (reference C179925). It is a subsidiary of Soldo Software and Services Limited of Ireland, part of the Soldo group, which was founded in London in 2015. It provides the Soldo business account, e-money wallets and prepaid Mastercard company cards to businesses and organisations in the EEA. It issues the cards itself under a licence from Mastercard.
Licences and registrations
Held by Soldo Financial Services Ireland Designated Activity Company (LEI 98450067B6F9715A1B86). 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 RegisterCentral Bank of IrelandLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Electronic money institutionE-Money / Stored Value Institution | C179925 | Ireland | Active | 2019-02-14 | — |
|
Search the register ↗ |
Trading names on the register: Soldo (EBA-PSD2)
- 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.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Other monetary financial institution
- Minimum reserves
- Not on the ECB reserve list
- Listed as
- Soldo Financial Services Ireland Designated Activity Company
- RIAD code
- IEC179925
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- SFSNIE22XXX 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 SFSNIE22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · VOP · TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2021-05-01
- Last updated
- 2021-05-01
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
Soldo Software and Services Limited
Firm type
E-money and accounts
Trades as Soldo
- Ownership
- Soldo Software and Services Limited of Ireland is the direct and ultimate accounting parent of the firm, according to its LEI record.
- Direct parent
- Soldo Software and Services Limited ↗, Ireland
- Head office
- 33 Sir John Rogerson's Quay, D02 XK09 Dublin 2, Ireland
- Company register
- Companies Registration Office (CRO) 610705
- Founder
- Carlo Gualandri
Online
- Websites & references
- soldo.com ↗
soldo.com/en-eu ↗ EU country site used for customers served by this entity
support.soldo.com ↗ help centre
developer.soldo.com ↗ developer and API documentation
soldo.statuspage.io ↗ service status page - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · Substack ↗
Sources · 9 pages consulted
- registers.centralbank.ie/FirmRegisterDataPage.aspx?firmReferenceNumber=C179925®ister=63
- soldo.com/wp-content/uploads/2025/08/SoldoBusinessAccountTC-ROE-v.1.12.pdf
- soldo.com/en-eu/
- soldo.com/en-eu/about-us/
- soldo.com/en-eu/terms-conditions/
- soldo.com/en-eu/questions/
- soldo.com/en-eu/why-soldo/financial-services/
- support.soldo.com/hc/en-gb/articles/115002029133-Where-is-my-money-being-held
- soldo.com/en-eu/product/mobile-app/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Central Bank of Ireland authorises the firm as an electronic money institution under Regulation 9 of the European Communities (Electronic Money) Regulations 2011. The Central Bank of Ireland register shows the authorisation passported on a freedom-of-services basis to 29 other EEA states.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Central Bank of Ireland Ireland | E-Money Institution authorised pursuant to Regulation 9 of the European Communities (Electronic Money) Regulations 2011 (as amended) | C179925 | In its own name | Active | registers.centralbank.ie ↗ |
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 it safeguards customer funds under the Irish Electronic Money Regulations 2011. It says the funds are kept in segregated accounts at EU-based banks, separate from its own assets, and it does not name the banks.
- Payment schemes and card networks
- SEPA Credit Transfer Direct soldo.com ↗
SEPA Instant Credit Transfer Direct soldo.com ↗
Mastercard Direct soldo.com ↗
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 runs the e-money business account, wallets in EUR, GBP and USD, and physical and virtual prepaid Mastercard cards behind the Soldo spend management platform. It also makes SEPA transfers and currency exchange between wallets. The group's software entities supply the platform software separately.
It serves business customers registered in Ireland and 29 other EEA states under its Irish authorisation. A sister company, Soldo Financial Services Ltd, serves UK customers under its own FCA authorisation.
- Sells to
- Small businesses · Enterprises · Other
- Serves customers in 30 countries
- Ireland · Austria · Belgium · Bulgaria · Croatia · Cyprus · Czechia · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Iceland · Italy · Latvia · Liechtenstein · Lithuania · Luxembourg · Malta · Netherlands · Norway · Poland · Portugal · Romania · Slovakia · Slovenia · Spain · Sweden
- Latest funding round
- Series C · USD 180m Jul 2021Led by Temasek
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Carlo Gualandri Founder & CEO (Soldo group)
- Chief financial officer
- Sacha Herrmann Chief Financial Officer (Soldo group)
- Executive
- Flavia Alzetta Chief Business Officer (Soldo group)
- Executive
- Carlo D'Acunto Chief Technology Officer (Soldo group)
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
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
- SFSNIE22XXX
- How the BIC breaks down
- SFSNBank
- IECountry · Ireland
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 98450067B6F9715A1B86
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- C179925
- 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
- 53aad000195e
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
- Payment services
- Card acquiring
- Payment initiation
- Account information
- E-money / stored value
- Licensed in
- Ireland
- Country · region
- Ireland · 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.
Ownership and group
GLEIF relationship records
- Direct parent
- Soldo Software and Services Limited · Ireland894500FIWSE3I1SV3Q13 ↗
The Soldo Software and Services Limited group has 3 institutions in the directory, in 2 countries: all hold a BIC.
Including Soldo Financial Services Limited, Soldo Financial Services Limited.
See the Soldo Software and Services Limited group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- SOLDO FINANCIAL SERVICES IRELAND DA 35 SIR JOHN ROGERSON'S QUAY DUBLIN D02XKO9 IRELAND
- Operational address
- SOLDO FINANCIAL SERVICES IRELAND DA 35 SIR JOHN ROGERSON'S QUAY DUBLIN DUBLIN D02XKO9 IRELAND
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>SFSNIE22XXX</BICFI>
<LEI>98450067B6F9715A1B86</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>SFSNIE22XXX</BICFI>
<LEI>98450067B6F9715A1B86</LEI>
<Nm>SOLDO FINANCIAL SERVICES IRELAND DAC</Nm>
<PstlAdr>
<TwnNm>DUBLIN</TwnNm>
<Ctry>IE</Ctry>
<AdrLine>SOLDO FINANCIAL SERVICES IRELAND DA 35 SIR JOHN ROGERSON'S QUAY DUBLIN</AdrLine>
<AdrLine>D02XKO9</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.
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 | 2022-05-10 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2022-05-10 | Head office | — |
| Verification of Payee | 2025-09-08 | 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.
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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
- 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.
- 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.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Matched on LEI by Elucidate.
- 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: soldo.com (official website) · original.
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