France · Payments & e-money
Spendesk Financial Services
Spendesk Financial Services (SFS) is a French société par actions simplifiée based in Paris. The Autorité de contrôle prudentiel et de résolution (ACPR) authorises it as a payment institution under number 17518. It is wholly owned by Spendesk SAS. Spendesk SAS acts as its agent and runs the Spendesk spend-management platform. SFS provides euro payment accounts, Visa business debit cards and SEPA transfers to business customers in the European Economic Area (EEA). It launched as the payment service provider for Spendesk's EEA customers in November 2024.
Licences and registrations
Held by Spendesk Financial Services (LEI 969500B1EOIV6AZA4O49). 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 RegisterPrudential Supervisory and Resolution AuthorityLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 900518101 | France | Active | 2021-04-20 | — |
|
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
- SPDKFRP2XXX 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 SPDKFRP2 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
- 2022-06-04
- Last updated
- 2024-04-11
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
100% Spendesk SAS
Firm type
E-money and accounts
Trades as Spendesk
- Ownership
- Spendesk SAS (RCS Paris 821 893 286) owns 100% of the firm.
- Direct parent
- Spendesk SAS ↗, France 100%
- Head office
- 7 rue de Madrid, 75008 Paris, France
- Company register
- RCS Paris 900 518 101
- Incorporated
- 2021
Online
- Websites & references
- spendesk.com ↗
helpcenter.spendesk.com ↗ help centre (group)
status.spendesk.com ↗ status page (group)
trust.spendesk.com ↗ trust centre (group) - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 10 pages consulted
- spx-production.s3.eu-west-1.amazonaws.com/tos/SFS+SAS+-+CGU+-+EN+-+20230601.pdf
- spendesk.com/about/
- helpcenter.spendesk.com/en/articles/9502464-payment-service-provider-eea-customers
- helpcenter.spendesk.com/en/articles/8850615-before-after-what-s-changed-regarding-spendesk-your-visa-business-pre
- mesinfos.fr/consulter-annonces-legales/ile-de-france/75-paris/spendesk-financial-services-b1f57437e12
- spendesk.com/press/spendesk-strengthens-governance-and-leadership-of-its-fintech-subsidiary-sfs-with-a
- spendesk.com/press/spendesk-officially-launches-its-own-payment-institution-:-spendesk-financial-servi
- spendesk.com/press/press-spendesk-appoints-stephane-dehaies-as-ceo-of-spendesk-financial-services/
- spendesk.com/press/spendesk-raises-additional-100-million-euro-at-unicorn-valuation/
- actu-juridique.fr/app/uploads/2023/12/PA20231222_BILaj711815-1.pdf
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ACPR authorises the firm as a payment institution under number 17518. According to Spendesk's help centre, the licence covers payment services in all EEA countries. Its parent Spendesk SAS acts as its payment services agent.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Autorité de contrôle prudentiel et de résolution (ACPR) France | Payment institution (établissement de paiement) | 17518 | In its own name | Active | spendesk.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.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that customer funds are held in segregated safeguarding accounts at Natixis. These are kept apart from the assets of SFS and Spendesk.
- Safeguarding bank
- Natixis France
- Settlement bank
- BPCE France
- Payment schemes and card networks
- Visa Direct spendesk.com ↗
SEPA Credit Transfer Through a partner helpcenter.spendesk.com ↗
SEPA Instant Credit Transfer Through a partner helpcenter.spendesk.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
SFS provides euro payment accounts, physical and virtual Visa Business Premium debit cards and SEPA transfers through the Spendesk spend-management platform. It serves business customers only. Since 2025 it has also offered international transfers under a contract with the Wise group.
It serves business customers resident or registered in EEA member states under its French licence. The Spendesk group serves UK customers through Adyen and US customers through Sutton Bank.
- Revenue
- EUR 20m
- Sells to
- Small businesses · Enterprises
- Serves customers in 30 countries
- Austria · Belgium · Bulgaria · Croatia · Cyprus · Czechia · Denmark · Estonia · Finland · France · Germany · Greece · Hungary · Iceland · Ireland · Italy · Latvia · Liechtenstein · Lithuania · Luxembourg · Malta · Netherlands · Norway · Poland · Portugal · Romania · Slovakia · Slovenia · Spain · Sweden
- Latest funding round
- Series C extension · EUR 100m Jan 2022Led by Tiger Global
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Benjamin Gonthier President
- Chair
- Véronique McCarroll Independent Chair of the Supervisory Board
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Leadership
Spendesk announced Benjamin Gonthier as President of SFS, succeeding Stéphane Dehaies, and Véronique McCarroll as independent chair of its supervisory board.
spendesk.com ↗ -
Investigation
French tax authorities notified the firm of a tax audit of its turnover taxes and payroll tax for 2024 and 2025.
mesinfos.fr ↗ -
Other
Visa asked for additional financial guarantees. The firm opened a collateral account at JP Morgan, holding EUR 700,000 at the end of 2025.
mesinfos.fr ↗ -
Other
The firm and Spendesk SAS each signed a contract with the Wise group to provide international payments in foreign currencies.
mesinfos.fr ↗ -
Licence
Spendesk launched SFS as its own payment institution for EEA customers and became a Visa principal member for card issuing.
spendesk.com ↗ -
Leadership
Spendesk appointed Stéphane Dehaies as CEO of Spendesk Financial Services.
spendesk.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
Head-office record
- BIC
- SPDKFRP2XXX
- How the BIC breaks down
- SPDKBank
- FRCountry · France
- P2Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 969500B1EOIV6AZA4O49
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 900518101
- 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
- 72fed10e370f
- National bank code
- Code interbancaire (CIB) 17518
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
- Licensed in
- France
- Country · region
- France · 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
- Spendesk · France969500WJND35XBWNZ317 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- FRANCE
- Operational address
- 51 RUE DE LONDRES PARIS 75008 PARIS FRANCE
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>SPDKFRP2XXX</BICFI>
<LEI>969500B1EOIV6AZA4O49</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>SPDKFRP2XXX</BICFI>
<LEI>969500B1EOIV6AZA4O49</LEI>
<Nm>SPENDESK FINANCIAL SERVICES</Nm>
</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 | 2022-08-06 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2023-01-23 | Head office | — |
| Verification of Payee | 2025-10-05 | 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.
National bank codes
Code interbancaire (CIB) · France
1 code
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 17518 | SPDKFRP2XXX | SPENDESK FINANCIAL SERVICES | PARIS |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
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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.
- National bank codes—France (Source: ACPR – REGAFI).
- 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: spendesk.com (official website).
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