Spain · Payments & e-money
United Europhil EP, S.A.
Legal name in the LEI recordUNITED EUROPHIL EP, SA
United Europhil EP, S.A.U. is a Spanish sociedad anónima unipersonal based in Madrid. The Bank of Spain authorises it as a payment institution for money remittance, with register number 6825. According to its GLEIF record, Europhil Holdco S.L. is its direct and ultimate parent. Under the Europhil brand it sends money abroad for consumers in Spain and pays out inbound transfers. It serves customers through its own branches, agents, telephone and a web platform, and it offers currency exchange. In November 2025 the Bank of Spain fined the firm EUR 90,000 for not reporting changes in qualifying holdings on time.
Licences and registrations
Held by United Europhil EP, S.A. (LEI 95980020140005989442). 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 RegisterBank of Spain | Payment institutionPayment Institution | 6825 | Spain | Active | 2019-03-15 | — |
|
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
Privately held
EUROPHIL HOLDCO S.L.
Firm type
Money remittance
Trades as Europhil
- Ownership
- GLEIF records Europhil Holdco S.L. as the firm's direct and ultimate parent, and the firm describes itself as a single-shareholder company (S.A.U.).
- Direct parent
- EUROPHIL HOLDCO S.L. ↗, Spain
- Head office
- Calle Cronos 63, 3ª planta, puerta 4, 28037 Madrid, Spain
- Incorporated
- 1989
Online
- Websites & references
- europhil.com ↗
europhildel.com ↗ Transfer price calculator and destination list on a second domain, linked from europhil.com - Official social accounts
- None found
Sources · 8 pages consulted
- europhil.com/WebPrincipal/Informes/DocumentacionEurophilcom/Condiciones%20Generales.pdf
- europhil.com/WebPrincipal/default.htm
- europhil.com/WebPrincipal/espanol/bienvenido.htm
- europhil.com/WebPrincipal/espanol/AvisoLegal.htm
- europhil.com/WebPrincipal/espanol/servicios.htm
- europhildel.com/WebVarios/caja.aspx
- boe.es/diario_boe/txt.php?id=BOE-A-2026-1480
- accesswire.com/710305/DolEx-and-Barri-Announce-Merger
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The Bank of Spain authorises the firm as a payment institution under Royal Decree-law 19/2018 to provide money remittance, with register number 6825. Payment to recipients abroad is made through correspondents acting on the firm's behalf.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Bank of Spain (Banco de España) Spain | Entidad de pago (payment institution): money remittance | 6825 | In its own name | Active | europhil.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 received for transfers are safeguarded under Article 21.1(a) of Royal Decree-law 19/2018, which is the segregation method.
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 sends money from Spain to 92 destination countries listed in its online price calculator. These are in Latin America, Africa, Asia and Europe. It also pays out in euros transfers received in Spain and offers currency exchange at branches.
It serves senders in Spain through its own branches in several Spanish cities and a network of authorised agents.
- Sells to
- Consumers
- Serves customers in
- Spain
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Francisco Moreno Delgado Director (administrador)
- Executive
- Eduardo Villalobos Director (administrador)
- Executive
- Lidia Hernández Laybaa Director (administradora)
Recent events 4 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
The Bank of Spain published its final sanctions in the Official State Gazette (BOE) on 21 January 2026. The sanctions cover the firm, three directors and more than 20 shareholders.
boe.es ↗ -
Enforcement
The Bank of Spain fined the firm EUR 90,000 for not informing it in time of acquisitions and disposals of qualifying holdings.
boe.es ↗ -
Enforcement
The Bank of Spain fined former holding companies, including Money Transfer Acquisition Inc., for giving up qualifying holdings in the firm without prior notice.
boe.es ↗ -
Investigation
The Bank of Spain opened sanctioning proceedings IE/PS-1/2025 against the firm, its directors and its qualifying shareholders on 10 March 2025.
boe.es ↗
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
- 6825
- 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
- 13dd29516cba
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
- Money remittance
- Payment services
- Licensed in
- Spain · Europe & Central Asia
- First registered
- 2019-03-15
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
- Europhil Holdco S.L. · Spain9598007EDZHGMUDFP618 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- CALLE CRONOS 63 PLANTA 3, PUERTA 4, MADRID, 28037
- Country
- Spain
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>95980020140005989442</LEI>
<Nm>UNITED EUROPHIL EP, S.A.</Nm>
<PstlAdr>
<PstCd>28037</PstCd>
<TwnNm>MADRID</TwnNm>
<Ctry>ES</Ctry>
<AdrLine>CALLE CRONOS 63 PLANTA 3, PUERTA 4</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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