--- title: "United Europhil EP, S.A. · Payment institution (Bank of Spain) · Spain | Elucidate" description: "United Europhil EP, S.A. is authorised by Bank of Spain as a payment institution in Spain. Licence 6825. LEI 95980020140005989442. Register status, licences, activities and ownership." url: https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba --- 1. [Directory](https://elucidate.co/directory) 2. [Spain](https://elucidate.co/directory/country/es) 3. United Europhil EP, S.A. Spain · Payments & e-money # United Europhil EP, S.A. Legal name in the LEI record UNITED 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. Register status Licensed in Spain Payment institution · Bank of Spain Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba#licences) BIC **No BIC** LEI **[95980020140005989442](https://search.gleif.org/#/record/95980020140005989442)** [Licence no. **6825**](https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba#licences) ## 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 Register](https://elucidate.co/directory/register/eba-psd2) Bank of Spain | Payment institutionPayment Institution | 6825 | [Spain](https://elucidate.co/directory/country/es) | Active | 2019-03-15 | — | - Money remittance - Payment services | [Search the register ↗](https://euclid.eba.europa.eu/register/pir/search) | - 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](https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba#overview-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. ↗](https://search.gleif.org/#/record/9598007EDZHGMUDFP618), Spain - **Head office:** Calle Cronos 63, 3ª planta, puerta 4, 28037 Madrid, Spain - **Incorporated:** 1989 ### Online - **Websites & references:** [europhil.com ↗](https://www.europhil.com/) [europhildel.com ↗](https://www.europhildel.com/WebVarios/caja.aspx) Transfer price calculator and destination list on a second domain, linked from europhil.com - **Official social accounts:** None found Sources · 8 pages consulted 1. [europhil.com/WebPrincipal/Informes/DocumentacionEurophilcom/Condiciones%20Generales.pdf](https://europhil.com/WebPrincipal/Informes/DocumentacionEurophilcom/Condiciones%20Generales.pdf) 2. [europhil.com/WebPrincipal/default.htm](https://europhil.com/WebPrincipal/default.htm) 3. [europhil.com/WebPrincipal/espanol/bienvenido.htm](https://europhil.com/WebPrincipal/espanol/bienvenido.htm) 4. [europhil.com/WebPrincipal/espanol/AvisoLegal.htm](https://europhil.com/WebPrincipal/espanol/AvisoLegal.htm) 5. [europhil.com/WebPrincipal/espanol/servicios.htm](https://europhil.com/WebPrincipal/espanol/servicios.htm) 6. [europhildel.com/WebVarios/caja.aspx](https://www.europhildel.com/WebVarios/caja.aspx) 7. [boe.es/diario\_boe/txt.php?id=BOE-A-2026-1480](https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-1480) 8. [accesswire.com/710305/DolEx-and-Barri-Announce-Merger](https://www.accesswire.com/710305/DolEx-and-Barri-Announce-Merger) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba#overview-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 ↗](https://europhil.com/WebPrincipal/espanol/bienvenido.htm) | 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](https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba#overview-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. [europhil.com ↗](https://europhil.com/WebPrincipal/Informes/DocumentacionEurophilcom/Condiciones%20Generales.pdf) 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](https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba#overview-sources) - International money transfer - Cash pick-up - Bureau de change 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](https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba#overview-sources) - **Executive:** Francisco Moreno Delgado Director (administrador) Confirmed 21 Jan 2026 · [boe.es ↗](https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-1480) - **Executive:** Eduardo Villalobos Director (administrador) Confirmed 21 Jan 2026 · [boe.es ↗](https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-1480) - **Executive:** Lidia Hernández Laybaa Director (administradora) Confirmed 21 Jan 2026 · [boe.es ↗](https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-1480) ## Recent events 4 enforcement or investigation items Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/united-europhil-ep-s-a-13dd29516cba#overview-sources) 1. Jan 2026 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 ↗](https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-1480) 2. Nov 2025 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 ↗](https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-1480) 3. Nov 2025 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 ↗](https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-1480) 4. Mar 2025 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 ↗](https://www.boe.es/diario_boe/txt.php?id=BOE-A-2026-1480) 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 - **LEI:** [95980020140005989442 ↗](https://search.gleif.org/#/record/95980020140005989442) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 13dd29516cba ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Money remittance - Payment services - **Licensed in:** [Spain](https://elucidate.co/directory/country/es) · 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. · Spain[9598007EDZHGMUDFP618 ↗](https://search.gleif.org/#/record/9598007EDZHGMUDFP618) 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 ```xml 95980020140005989442 UNITED EUROPHIL EP, S.A. 28037 MADRID ES CALLE CRONOS 63 PLANTA 3, PUERTA 4 ``` 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. ## Related institutions ### Other payments & e-money institutions in Spain - [Sheffield Ventures, S.l. No BIC Payments & e-money Money service business Prudential licence Spain · Licensed by Bank of Spain · 6885 (EBA-PSD2) · also on FINTRAC-MSB · LEI 959800FHCYS14PKLMU53](https://elucidate.co/directory/sheffield-ventures-s-l-b0c4d9f8c767) - [Bitcoinforme S.L. · trading as Bit2Me No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6947 (EBA-PSD2) · also on ESMA-CASP · LEI 9598007R5LSUJLGLS853](https://elucidate.co/directory/bitcoinforme-s-l-e77eb0ba979c) - [Criptan Trade S.l. · trading as CRIPTAN No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6951 (EBA-PSD2) · also on ESMA-CASP · LEI 959800AZN23P7F30C189](https://elucidate.co/directory/criptan-trade-s-l-9b85c68e3b36) - [Crossmint Europe S.l. · trading as CROSSMINT No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6949 (EBA-PSD2) · also on ESMA-CASP · LEI 959800B6XCG14MKLTJ51](https://elucidate.co/directory/crossmint-europe-s-l-c8f7619b922a) - [Getnet Emoney Ede Sl BIC PAGOES22 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6722 (EBA-PSD2) · LEI 254900KRBS1LY7YOHY21](https://elucidate.co/directory/getnet-emoney-ede-sl-pagoes22) - [Minos Global S.l. · trading as MINOS GLOBAL No BIC Payments & e-money Crypto Prudential licence Spain · Licensed by Bank of Spain · 6948 (EBA-PSD2) · also on ESMA-CASP · LEI 959800U0R44NN5DJC930](https://elucidate.co/directory/minos-global-s-l-a8be650c1a6f) - [Outpayce SA BIC OUTPESM2 Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6727 (EBA-PSD2) · LEI 9598005RQYUKA5W3GH05](https://elucidate.co/directory/outpayce-sa-outpesm2) - [Abanca Servicios Financieros E.f.c., S.A. No BIC Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 8620 (EBA-PSD2) · LEI 549300ORPMRMXB2JO334](https://elucidate.co/directory/abanca-servicios-financieros-e-f-c-s-a-b5a87a51f763) [See all →](https://elucidate.co/directory/search?type=payments&cc=ES) [Other entries on EBA-PSD2 →](https://elucidate.co/directory/register/eba-psd2) 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 →](https://elucidate.co/directory/methodology) Register for this page - **EBA PSD2 Register**—European Banking Authority (EBA) · [source ↗](https://euclid.eba.europa.eu/register/pir/search) 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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.