Finland · Payments & e-money
UB Rahoitus Oy
UB Rahoitus Oy is a Finnish limited company based in Helsinki. It was formerly named Joutsen Rahoitus Oy. According to United Bankers' client information, the Finnish Financial Supervisory Authority (FIN-FSA) has authorised it to act as a bondholders' agent and to provide payment services. It is a wholly owned subsidiary of UB Omaisuudenhoito Oy. The ultimate parent is United Bankers Oyj, which is listed on Nasdaq Helsinki. The firm ran a platform for loan-based crowdfunding to Finnish SMEs. It stopped brokering new loans in April 2022 and now only manages the existing loans.
Licences and registrations
Held by UB Rahoitus Oy (LEI 74370071OKVQ2BB9D737). 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 RegisterFinnish Financial Supervisory Authority | Exempted payment institutionPayment Institution | 27001193 | Finland | Active | 2017-06-01 | — |
|
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
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
100% UB Omaisuudenhoito Oy
Firm type
Lending or buy now, pay later
Trades as UB Rahoitus
- Standing
- The firm stopped brokering new loans in April 2022 and no longer opens investor accounts. It manages the existing loan portfolio and collects principal and interest for investors. United Bankers plans to wind the business down once the last loans have been repaid.
- Ownership
- UB Omaisuudenhoito Oy owns 100% of the firm and is itself wholly owned by United Bankers Oyj.
- Direct parent
- UB Omaisuudenhoito Oy, Finland 100%
- Ultimate owner
- United Bankers Oyj, Finland
- Head office
- Aleksanterinkatu 21 A, 00100 Helsinki, Finland
- Company register
- Finnish Trade Register business ID 2700119-3
- Former name
- Joutsen Rahoitus Oy
Online
- Websites & references
- ubrahoitus.fi ↗
secure.ubrahoitus.fi ↗ customer login portal - Official social accounts
- LinkedIn ↗ · Facebook ↗
Sources · 11 pages consulted
- unitedbankers.fi/api/content/document/tietoa-ub-konsernin-yhtioista-ja-niiden-tarjoamista-palveluista?lang
- ubrahoitus.fi/
- ubrahoitus.fi/ubrahoitus/
- ubrahoitus.fi/ubrahoitus/turvallisuus-tietosuoja-ja-kayttoehdot/
- ubrahoitus.fi/ubrahoitus/turvallisuus-tietosuoja-ja-kayttoehdot/asiakasvarojen-sailyttaminen-ja-kasitte
- mb.cision.com/Main/19703/3537848/1558004.pdf
- news.cision.com/fi/united-bankers-oyj/r/ub-rahoitus-oy-supistaa-palvelujaan-ja-lopettaa-uusien-lainojen-m
- globenewswire.com/news-release/2018/04/06/1466178/0/fi/United-Bankers-Oyj-kasvattaa-omistustaan-UB-Rahoitus
- unitedbankers.fi/fi/united-bankers-oyj/united-bankers-konserni/
- unitedbankers.fi/fi/united-bankers-oyj/sijoittajat/tiedotteet-ja-julkaisut/r/2617/united-bankers-aloittaa-
- finanssivalvonta.fi/en/capital-markets/authorisations-registrations-and-notifications/crowdfunding-intermedia
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FIN-FSA has authorised the firm to act as a bondholders' agent and to provide payment services. The EBA register lists it as an exempted payment institution, registered since 1 June 2017.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Finnish Financial Supervisory Authority (FIN-FSA) Finland | Exempted payment institution (registered payment service provider) | 27001193 | Exemption | Active | unitedbankers.fi ↗ |
| Finnish Financial Supervisory Authority (FIN-FSA) Finland | Authorisation to act as bondholders' agent | — | In its own name | Active | unitedbankers.fi ↗ |
| Finnish Financial Supervisory Authority (FIN-FSA) Finland | Registered loan-based crowdfunding intermediary (Crowdfunding Act) | — | In its own name | Status unconfirmed | ubrahoitus.fi ↗ |
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 holds client funds apart from its own funds, in client-funds accounts at supervised Finnish deposit banks and credit institutions.
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
The firm ran an online marketplace where private and institutional investors lent to Finnish SMEs. It now manages the remaining loans and passes repayments to investors. It is also authorised to act as a bondholders' agent.
The firm serves customers in Finland only.
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in
- Finland
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
United Bankers named Antti Suorsa, CEO of UB Rahoitus for the previous ten years, director of its new athlete wealth management business.
unitedbankers.fi ↗
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
- 27001193
- 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
- 00e42505d5ea
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
- Small-firm registrationRegistered under a lighter regime for small or exempt firms, e.g. a small payment institution or an account-information service provider.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Card acquiring
- Licensed in
- Finland · Europe & Central Asia
- First registered
- 2017-06-01
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
- Ub Omaisuudenhoito Oy · Finland7437002849CUIJZR0H57 ↗
- Ultimate parent
- United Bankers Oyj · Finland743700J2WO3J6XGFPG77 ↗
The United Bankers Oyj group has 3 institutions in the directory, in 1 country: 2 hold a BIC and 1 does not.
Including Ub Rahastoyhtio OY, United Bankers Omaisuudenhoito OY.
See the United Bankers Oyj group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Aleksanterinkatu 21 A, HELSINKI, 00100
- Country
- Finland
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 one address line
<FinInstnId>
<LEI>74370071OKVQ2BB9D737</LEI>
<Nm>UB Rahoitus Oy</Nm>
<PstlAdr>
<PstCd>00100</PstCd>
<TwnNm>HELSINKI</TwnNm>
<Ctry>FI</Ctry>
<AdrLine>Aleksanterinkatu 21 A</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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