France · Payments & e-money
Treezor
TREEZOR is a French simplified joint-stock company (SAS) with its head office in Paris. The Autorité de Contrôle Prudentiel et de Résolution (ACPR) authorises it as an electronic money institution. It describes itself as authorised to operate in 25 countries and as a principal member of Mastercard. Société Générale acquired the firm in 2019 and Mastercard took a minority stake in November 2022. Through APIs it provides white-label e-money and payment accounts, card issuing, SEPA payments, acquiring and KYC to fintechs, platforms and regulated firms. In January 2026 Shares entered exclusive negotiations with Société Générale to buy 100% of the firm.
Licences and registrations
Held by Treezor (LEI 969500GB1GL7VLF5Y732). 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. | Electronic money institutionE-Money / Stored Value Institution | 807465059 | France | Active | 2016-06-21 | — |
|
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.
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- Société Générale
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 1 of 5 · extra capital buffer 1.0% of risk-weighted assets
- On the list since
- 2011
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
- Treezor SAS
- RIAD code
- FR16798
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- TRZOFR21XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of TRZOFR21 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · VOP · TIPS
- Branch codes
- 1 branch code
- Other BIC with this LEI
- TRZODEB2
- BIC first registered
- 2016-08-06
- Last updated
- 2022-04-29
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
Société Générale
Firm type
Banking as a service
Trades as Treezor
- Standing
- On 29 January 2026 the French fintech Shares announced exclusive negotiations with Société Générale to acquire 100% of Treezor. The deal depends on definitive agreements and prior regulatory approvals. No completion had been found as of 29 September 2026.
- Ownership
- Société Générale controls the firm and Mastercard holds a minority stake taken in November 2022.
- Direct parent
- Société Générale, France
- Head office
- 33 avenue de Wagram, 75017 Paris, France
- Company register
- RCS Paris 807 465 059
- Incorporated
- 21 Oct 2014
- Founders
- Éric Lassus · Xavier Labouret
Online
- Websites & references
- treezor.com ↗
docs.treezor.com ↗ developer documentation
careers.treezor.com ↗ careers site
Wikipedia ↗ - Official social accounts
- None found
Sources · 15 pages consulted
- treezor.com/fr/mentions-legales/
- treezor.com/fr/societe/
- treezor.com/fr/societe/conformite/
- treezor.com/fr/services/paiements-sepa/virements-instantanes-sct-inst/
- treezor.com/fr/services/compte-de-paiement/
- acpr.banque-france.fr/fr/communiques-de-presse/la-commission-des-sanctions-de-lacpr-sanctionne-la-societe-treez
- acpr.banque-france.fr/system/files/import/acpr/media/2024/04/16/20240416_decision_treezor.pdf
- shares.io/resources/shares-exclusive-negotiations-treezor
- treezor.com/mastercard-and-treezor-expand-strategic-partnership/
- newsroom.mastercard.com/news/europe/en/newsroom/press-releases/en/2022/november-2022/mastercard-and-treezor-expan
- treezor.com/fr/treezor-agrement-etablissement-de-monnaie-electronique/
- mind.eu.com/fintech/article/societe-generale-recapitalise-treezor-au-prix-plancher-une-premiere-depui
- maddyness.com/2026/01/29/shares-la-fintech-de-benjamin-chemla-va-soffrir-treezor-aupres-de-societe-gene
- annuaire-entreprises.data.gouv.fr/entreprise/807465059
- fr.wikipedia.org/wiki/Treezor
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The ACPR authorises the firm as an electronic money institution that is also permitted to provide payment services. The firm says it may operate in 25 countries under this authorisation.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Autorité de Contrôle Prudentiel et de Résolution (ACPR) France | Établissement de monnaie électronique (electronic money institution) with payment services | 16798 | In its own name | Active | treezor.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 funds it collects are held in dedicated safeguarding accounts at Société Générale.
- Safeguarding bank
- Société Générale France
- Payment schemes and card networks
- Mastercard Direct treezor.com ↗
SEPA Instant Credit Transfer Access not stated treezor.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
According to its website, it offers white-label accounts with local and virtual IBANs, physical and virtual cards, SEPA credit transfers, instant transfers and direct debits, cheque and card collection and KYC, controlled through APIs.
The firm says it has a presence in France, Germany, Belgium, Spain and Italy, and that it is authorised to operate in 25 countries.
- Sells to
- Platforms and marketplaces · Financial institutions · Enterprises
- Serves customers in 5 countries
- France · Germany · Belgium · Spain · Italy
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- André Gardella Président; Directeur et Responsable de la Publication
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Funding
Treezor carried out an EUR 8 million capital increase at the nominal price of EUR 1 per share.
mind.eu.com ↗ -
Merger / acquisition
Shares entered exclusive negotiations with Société Générale to acquire 100% of Treezor, subject to definitive agreements and regulatory approvals.
shares.io ↗ -
Enforcement
The ACPR Sanctions Committee issued a reprimand and an EUR 1 million fine for failings in the firm's AML and counter-terrorist financing framework.
acpr.banque-france.fr ↗
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
- TRZOFR21XXX
- How the BIC breaks down
- TRZOBank
- FRCountry · France
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 969500GB1GL7VLF5Y732
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 807465059
- 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
- 3db751a0f38d
- National bank code
- Code interbancaire (CIB) 16798
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
- Money remittance
- Payment services
- Card acquiring
- Payment initiation
- Account information
- E-money / stored value
- Licensed in
- France
- Country · region
- France · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · Société Générale list of 2025
- 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
- Societe Generale · FranceO2RNE8IBXP4R0TD8PU41 ↗
- FSB G-SIB list
- In a G-SIB group · Société Générale bucket 1 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The Societe Generale group has 86 institutions in the directory, in 39 countries: 82 hold a BIC and 4 do not.
Including Societe Generale, Societe Generale Luxembourg, Societe Generale, Societe Generale Sfh, Boursorama.
See the Societe Generale group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 33 AVENUE DE WAGRAM FLOOR 4 PARIS 75017 FRANCE
- Operational address
- 33 AVENUE DE WAGRAM FLOOR 4 PARIS 75017 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+
- 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
<FinInstnId>
<BICFI>TRZOFR21XXX</BICFI>
<LEI>969500GB1GL7VLF5Y732</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>TRZOFR21XXX</BICFI>
<LEI>969500GB1GL7VLF5Y732</LEI>
<Nm>TREEZOR</Nm>
<PstlAdr>
<TwnNm>PARIS</TwnNm>
<Ctry>FR</Ctry>
<AdrLine>33 AVENUE DE WAGRAM FLOOR 4 PARIS 75017</AdrLine>
</PstlAdr>
</FinInstnId>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 | 2016-10-11 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2021-11-02 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2016-10-11 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2016-10-11 | 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 |
|---|---|---|---|
| 16798 | TRZOFR21XXX | Treezor SAS | 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.
Network
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| TRZOFR21TPS | TIPS INSTANT PAYMENT | Paris | 33 AVENUE DE WAGRAM FLOOR 4 PARIS 75017 PARIS FRANCE | — | 2024-04-10 |
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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.
- 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: treezor.com (official website) · original.
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