--- title: "Universo, IME, S.A. · Electronic money institution (Bank of Portugal) · Portugal | Elucidate" description: "Universo, IME, S.A. is authorised by Bank of Portugal as an electronic money institution in Portugal. Licence 7500. LEI 254900KMO91R36EF7R69. Register status, licences, activities and ownership." url: https://elucidate.co/directory/universo-ime-s-a-cc0e235d8345 --- 1. [Directory](https://elucidate.co/directory) 2. [Portugal](https://elucidate.co/directory/country/pt) 3. Universo, IME, S.A. Portugal · Payments & e-money # Universo, IME, S.A. Register status Licensed in Portugal Electronic money institution · Bank of Portugal Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/universo-ime-s-a-cc0e235d8345#licences) [BIC **No BIC**](https://elucidate.co/directory/universo-ime-s-a-cc0e235d8345#swift) LEI **[254900KMO91R36EF7R69](https://search.gleif.org/#/record/254900KMO91R36EF7R69)** [Licence no. **7500**](https://elucidate.co/directory/universo-ime-s-a-cc0e235d8345#licences) [Group: Efanor Investimentos, Sgps, S.E.](https://elucidate.co/directory/group/549300QFQH64G9GD3T59) [Its LEI is mapped to **1** BIC](https://elucidate.co/directory/universo-ime-s-a-cc0e235d8345#swift) ## Licences and registrations Held by Universo, IME, S.A. (LEI 254900KMO91R36EF7R69). 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 Portugal | Electronic money institutionE-Money / Stored Value Institution | 7500 | [Portugal](https://elucidate.co/directory/country/pt) | Active | 2015-07-16 | — | - Payment services - Card acquiring - E-money / stored value | [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. ### BICs mapped to the same LEI Mapped to this LEI in the Swift and GLEIF BIC-to-LEI relationship file 1 BIC is mapped to LEI 254900KMO91R36EF7R69. Not merged with this entry: the register name differs from the Swift names on these BICs. - [Sfs-Financial Services, Ime, SA BIC SONVPTP1 Financial institution Not on a tracked register Portugal · Not on a tracked register · LEI 254900KMO91R36EF7R69](https://elucidate.co/directory/sfs-financial-services-ime-sa-sonvptp1) [Model a nested payment flow →](https://elucidate.co/nesting-breakeven-calculator) ## Identifiers - **Licence no. · EBA-PSD2:** 7500 - **BIC:** [Holds no BIC · its LEI is mapped to 1 BIC](https://elucidate.co/directory/universo-ime-s-a-cc0e235d8345#swift) - **LEI:** [254900KMO91R36EF7R69 ↗](https://search.gleif.org/#/record/254900KMO91R36EF7R69) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** cc0e235d8345 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** E-Money / Stored Value Institution - **Activities:** - Payment services - Card acquiring - E-money / stored value - **Licensed in:** [Portugal](https://elucidate.co/directory/country/pt) · Europe & Central Asia - **First registered:** 2015-07-16 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 - **Ultimate parent:** Efanor Investimentos, Sgps, S.E. · Portugal[549300QFQH64G9GD3T59 ↗](https://search.gleif.org/#/record/549300QFQH64G9GD3T59) The Efanor Investimentos, Sgps, S.E. group has 3 institutions in the directory, in 1 country: 2 hold a BIC and 1 does not. Including [Motivespontaneo](https://elucidate.co/directory/motivespontaneo-fadiptpp). [See the Efanor Investimentos, Sgps, S.E. group →](https://elucidate.co/directory/group/549300QFQH64G9GD3T59) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Address on the register:** Lugar do Espido, Via Norte, Maia, 4470-177 - **Country:** Portugal ## 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 254900KMO91R36EF7R69 Universo, IME, S.A. 4470-177 Maia PT Lugar do Espido, Via Norte ``` CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent. Its LEI is also mapped to a BIC in Swift’s directory. Where that BIC identifies this institution, use it instead. The values are as published by the register. Check them against your own records before use. ## Related institutions ### Same group - [Motivespontaneo BIC FADIPTPP Non-financial corporate Not on a tracked register Portugal · Not on a tracked register · LEI 254900DXLC6RUQLASW38](https://elucidate.co/directory/motivespontaneo-fadiptpp) [All 3 institutions in the Efanor Investimentos, Sgps, S.E. group →](https://elucidate.co/directory/group/549300QFQH64G9GD3T59) ### Other payments & e-money institutions in Portugal - [ALTICE Pay, S.A. No BIC Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 8705 (EBA-PSD2) · LEI 894500VERWYG8KWKTX87](https://elucidate.co/directory/altice-pay-s-a-b2d02fff188a) - [Easypay Instituição DE Pagamento, Lda No BIC Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 8706 (EBA-PSD2) · LEI 984500BBF9WC71D0SC15](https://elucidate.co/directory/easypay-instituicao-de-pagamento-lda-8c7fc49e20a0) - [Eupago - Instituição de Pagamento Lda · trading as Eupago No BIC Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 8709 (EBA-PSD2) · LEI 2549000UHD22MXB5N107](https://elucidate.co/directory/eupago-instituicao-de-pagamento-lda-0cd00b772632) - [Ifthenpay Lda BIC IFLDPTP2 Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 8707 (EBA-PSD2) · LEI 9845001E48WI813CF323](https://elucidate.co/directory/ifthenpay-lda-ifldptp2) - [Lusopay Instituicao de Pagamento, Lda BIC LIPDPTP2 Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 8700 (EBA-PSD2) · LEI 213800ALAYXML9EXV983](https://elucidate.co/directory/lusopay-instituicao-de-pagamento-lda-lipdptp2) - [Martrust Europe, S.A. No BIC Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 7501 (EBA-PSD2) · LEI 254900RPJ55VFMEXE244](https://elucidate.co/directory/martrust-europe-s-a-50d2cefcc9ed) - [Maxpay-Instituição DE Pagamento, Lda No BIC Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 8708 (EBA-PSD2) · LEI 95980073F0FK1Y3ESG25](https://elucidate.co/directory/maxpay-instituicao-de-pagamento-lda-eb143b888331) - [NovaCâmbios - Instituição de Pagamento, S.A. No BIC Payments & e-money Prudential licence Portugal · Licensed by Bank of Portugal · 812 (EBA-PSD2) · LEI 213800ORPQK2H6XH7348](https://elucidate.co/directory/novacambios-instituicao-de-pagamento-s-a-58d98852de91) [See all →](https://elucidate.co/directory/search?type=payments&cc=PT) [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. ## 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.