Romania · Payments & e-money
Unicredit Consumer Financing Ifn SA
UniCredit Consumer Financing IFN SA is a Romanian joint-stock company based in Bucharest. The National Bank of Romania (BNR) lists it as a non-bank financial institution in its General and Special Registers and has authorised it as a payment institution since March 2015. UniCredit Bank S.A. holds 50.10% of the firm and UniCredit S.p.A. holds 49.90%. It provides unsecured personal loans, car loans, point-of-sale credit and Mastercard credit cards to individuals in Romania. In August 2025 it bought Alpha Bank Romania's unsecured consumer loan and credit card portfolio.
Licences and registrations
Held by Unicredit Consumer Financing Ifn SA (LEI 315700U9KOZJ14MLJ486). 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 RegisterNational Bank of Romania | Payment institutionPayment Institution | 24332910 | Romania | Active | 2015-03-02 | — |
|
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
Ownership
Group subsidiary
50.1% UniCredit Bank S.A.
Firm type
Lending or buy now, pay later
Trades as UniCredit Consumer Financing (UCFin)
- Ownership
- UniCredit Bank S.A. holds 50.10% of the firm and consolidates it, and UniCredit S.p.A. holds the remaining 49.90%.
- Direct parent
- UniCredit Bank S.A., Romania 50.1%
- Ultimate owner
- UniCredit S.p.A., Italy
- Major shareholder
- UniCredit S.p.A. 49.9% · 31 Dec 2025
- Head office
- Bulevardul Expoziției nr. 1F, etaj 6, sector 1, 012101 Bucharest, Romania
- Company register
- Romanian Trade Register J2008013865401 (formerly J40/13865/2008); CUI 24332910; EUID ROONRC.J2008013865401
- Incorporated
- 14 Aug 2008
Online
- Websites & references
- ucfin.ro ↗
- Official social accounts
- None found
Sources · 9 pages consulted
- ucfin.ro/despre-noi
- ucfin.ro/pdf/Situatii-Financiare-UCFIN-31.12.2025.pdf
- ucfin.ro/despre-noi/structura-organizaional
- ucfin.ro/despre-noi/rapoarte-financiare
- ucfin.ro
- ucfin.ro/contact
- ucfin.ro/carduri-de-credit/unicreditcard-principal
- unicredit.ro/ro/institutional/centru-media/comunicate-de-presa/numiri-la-varf-in-entitatile-UniCredit-
- unicredit.ro/ro/persoane-fizice/Credite/creditul-de-refinantare.html
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The BNR registers the firm as a non-bank financial institution in its General and Special Registers. Since 2 March 2015 the BNR has also authorised it as a payment institution for card and credit-line payment services linked to its lending.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| National Bank of Romania (BNR) Romania | Payment institution (Registrul instituțiilor de plată); also shown on the EBA PSD2 register under number 24332910 | IP-RO-0009/02.03.2015 | In its own name | Active | ucfin.ro ↗ |
| National Bank of Romania (BNR) Romania | Non-bank financial institution, Special Register (Registrul Special) | RS-PJR-41-110065/09.02.2010 | In its own name | Active | ucfin.ro ↗ |
| National Bank of Romania (BNR) Romania | Non-bank financial institution, General Register (Registrul General) | RG-PJR-41-110247/24.10.2008 | In its own name | Active | ucfin.ro ↗ |
| Financial Supervisory Authority (ASF) Romania | Ancillary insurance intermediary (agent auxiliar), Register of Secondary Intermediaries | RAJ-502078 | In its own name | Active | ucfin.ro ↗ |
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
- Not disclosedThe firm publishes no safeguarding statement. Its authorised payment services cover card payments, credit transfers and cash withdrawals funded from a credit line, according to its published objects.
- Payment schemes and card networks
- Mastercard Access not stated ucfin.ro ↗
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 offers unsecured personal and refinancing loans, car and motorcycle loans, in-store and online point-of-sale credit, and Mastercard credit cards, including co-branded cards with retail partners.
It lends to individuals resident in Romania through UniCredit Bank branches, credit intermediaries, retail partners and remote channels.
- Revenue
- RON 203.6m
- Sells to
- Consumers
- Serves customers in
- Romania
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Emil Stefan Andrei Mitescu CEO and President of the Management Board (Președinte Directorat)
- Chief financial officer
- Adela-Monica Ticmeanu Chief Financial Officer (Director Financiar) and Member of the Management Board
- Executive
- Daniel Ghiulea Member of the Management Board
- Executive
- Adrian Nesu Member of the Management Board
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm signed a RON 3.1 billion financing agreement with UniCredit S.p.A. to fund its lending.
ucfin.ro ↗ -
Funding
The shareholders raised the firm's share capital by RON 70 million to RON 173.3 million, with their holdings unchanged.
ucfin.ro ↗ -
Merger / acquisition
The firm acquired 84,382 unsecured loans and credit cards worth RON 726 million gross from Alpha Bank Romania for RON 694.9 million.
ucfin.ro ↗ -
Leadership
Emil Mitescu became CEO on 29 August 2025, succeeding Sorin Dragulin, who left on 22 July 2025.
unicredit.ro ↗
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
- 24332910
- 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
- 590795992403
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.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Licensed in
- Romania · Europe & Central Asia
- First registered
- 2015-03-02
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
- Unicredit Bank S.A. · Romania5493003BDYD5VPGUQS04 ↗
- Ultimate parent
- Unicredit, Societa' Per Azioni · Italy549300TRUWO2CD2G5692 ↗
The Unicredit, Societa' Per Azioni group has 42 institutions in the directory, in 20 countries: 41 hold a BIC and 1 does not.
Including Unicredit Bank GMBH, Unicredit S.P.A., Unicredit Bank Austria AG, Unicredit Bank GMBH, Unicredit Bank GMBH.
See the Unicredit, Societa' Per Azioni group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- Bulevardul Expoziției nr. 1F, etaj 6, sectorul 1, BUCUREŞTI, 012101
- Country
- Romania
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 two address lines
<FinInstnId>
<LEI>315700U9KOZJ14MLJ486</LEI>
<Nm>UNICREDIT CONSUMER FINANCING IFN SA</Nm>
<PstlAdr>
<PstCd>012101</PstCd>
<TwnNm>BUCUREŞTI</TwnNm>
<Ctry>RO</Ctry>
<AdrLine>Bulevardul Expoziției nr. 1F</AdrLine>
<AdrLine>etaj 6, sectorul 1</AdrLine>
</PstlAdr>
</FinInstnId>- CBPR+ does not accept the characters Ş ț in names and addresses. Transliterate before sending.
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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