--- title: "Uppland Sparkapital AB (publ) · Payment institution (Swedish Financial Supervisory Authority) · Sweden | Elucidate" description: "Uppland Sparkapital AB (publ) is authorised by Swedish Financial Supervisory Authority as a payment institution in Sweden. Licence 80512. LEI 549300CDJWSTDX4I4D75. Register status, licences, activities and ownership." url: https://elucidate.co/directory/uppland-sparkapital-ab-publ-7a1a3e40c926 --- 1. [Directory](https://elucidate.co/directory) 2. [Sweden](https://elucidate.co/directory/country/se) 3. Uppland Sparkapital AB (publ) Sweden · Payments & e-money # Uppland Sparkapital AB (publ) Uppland Sparkapital AB (publ) is a Swedish public limited company based in Stockholm. Finansinspektionen, the Swedish financial supervisory authority, authorises it as a payment institution under the Payment Services Act (2010:751). Kapitalio Financial Group AB owns 99.97% of the firm. It runs an online platform through which private investors in Sweden lend unsecured money to the group company UpplandsSpar AB, and the firm states that these funds are not covered by the deposit guarantee. Register status Licensed in Sweden Payment institution · Swedish Financial Supervisory Authority Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/uppland-sparkapital-ab-publ-7a1a3e40c926#licences) BIC **No BIC** LEI **[549300CDJWSTDX4I4D75](https://search.gleif.org/#/record/549300CDJWSTDX4I4D75)** [Licence no. **80512**](https://elucidate.co/directory/uppland-sparkapital-ab-publ-7a1a3e40c926#licences) ## Licences and registrations Held by Uppland Sparkapital AB (publ) (LEI 549300CDJWSTDX4I4D75). 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) Swedish Financial Supervisory Authority | Payment institutionPayment Institution | 80512 | [Sweden](https://elucidate.co/directory/country/se) | Active | 2019-07-05 | — | - Money remittance - Payment services - Account information | [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/uppland-sparkapital-ab-publ-7a1a3e40c926#overview-sources) Customers Not published Employees 1 FTE · This entity · 31 Dec 2025 · [annual report ↗](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) Ownership Group subsidiary 99.97% Kapitalio Financial Group AB Firm type Lending or buy now, pay later Trades as Uppland Sparkapital - **Ownership:** Kapitalio Financial Group AB (org. nr 559164-7358, Stockholm) owns 99.97% of the firm, according to its 2025 annual report. - **Direct parent:** [Kapitalio Financial Group AB ↗](https://search.gleif.org/#/record/9845005E5E54QB4S4D38), Sweden 99.97% - **Head office:** Skeppargatan 8, 5tr, 114 52 Stockholm, Sweden (registered office: Mailbox 3908, 111 74 Stockholm, Sweden) - **Company register:** Bolagsverket 556951-4424 - **Former name:** LendLink AB ### Online - **Websites & references:** [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/) [minasidor.upplandsparkapital.se ↗](https://minasidor.upplandsparkapital.se/) customer login [application.upplandsparkapital.se ↗](https://application.upplandsparkapital.se/onlineapplication.mws) account opening application - **Official social accounts:** None found Sources · 7 pages consulted 1. [upplandsparkapital.se/](https://www.upplandsparkapital.se/) 2. [upplandsparkapital.se/om-oss](https://www.upplandsparkapital.se/om-oss) 3. [upplandsparkapital.se/investera](https://www.upplandsparkapital.se/investera) 4. [upplandsparkapital.se/vanliga-fragor](https://www.upplandsparkapital.se/vanliga-fragor) 5. [upplandsparkapital.se/docs/allmanna-villkor.pdf](https://www.upplandsparkapital.se/docs/allmanna-villkor.pdf) 6. [upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) 7. [sv.nordlei.org/lei/549300CDJWSTDX4I4D75/uppland-sparkapital-ab-publ](https://sv.nordlei.org/lei/549300CDJWSTDX4I4D75/uppland-sparkapital-ab-publ) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/uppland-sparkapital-ab-publ-7a1a3e40c926#overview-sources) - **Operates under:** Its own licences Finansinspektionen authorises the firm as a payment institution under the Payment Services Act (2010:751). The EBA payment institutions register lists money remittance and account information services under register number 80512. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Finansinspektionen (Swedish Financial Supervisory Authority) Sweden | Payment institution (betalningsinstitut) under the Payment Services Act (2010:751) | 80512 | In its own name | Active | [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/om-oss) | 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/uppland-sparkapital-ab-publ-7a1a3e40c926#overview-sources) - **Safeguarding:** Not disclosedThe firm publishes no safeguarding statement, and its 2025 annual report shows client funds (redovisningsmedel) of SEK 3.1 million as a separate balance-sheet item. [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) - **Settlement bank:** Handelsbanken Sweden [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/vanliga-fragor) - **Payment schemes and card networks:** Bankgirot (bankgiro and Autogiro) Through a partner [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/vanliga-fragor) 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/uppland-sparkapital-ab-publ-7a1a3e40c926#overview-sources) Swedish private investors lend through a main account or 3- to 36-month Autoinvest loans to the group company UpplandsSpar AB. It accepts only private individuals with a Swedish personal identity number, a Swedish bank account and a registered address in Sweden. - **Revenue:** SEK 3.86mThis entity · 31 Dec 2025 · [annual report ↗](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) - **Sells to:** Consumers - **Serves customers in:** Sweden ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/uppland-sparkapital-ab-publ-7a1a3e40c926#overview-sources) - **Chief executive:** Victor Torstensson Verkställande direktör (Managing Director) Confirmed 26 Jun 2026 · [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) - **Chair:** Per Olof Björnsson Styrelseordförande (Chair of the Board) Confirmed 26 Jun 2026 · [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) - **Executive:** Anders Torstensson Board member; Kommunikationsansvarig (Head of Communications) Confirmed 29 Sep 2026 · [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/om-oss) - **Executive:** Niklas Andersson Board member Confirmed 26 Jun 2026 · [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) - **Executive:** Johan Anderbjörk Board member Confirmed 26 Jun 2026 · [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) - **Executive:** Anders Thonning Board member Confirmed 26 Jun 2026 · [upplandsparkapital.se ↗](https://www.upplandsparkapital.se/docs/Uppland%20Sparkapital%20%C3%A5rsredovisning%202025.pdf) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/uppland-sparkapital-ab-publ-7a1a3e40c926#overview-sources) The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years. 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:** 80512 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [549300CDJWSTDX4I4D75 ↗](https://search.gleif.org/#/record/549300CDJWSTDX4I4D75) - **How the LEI was matched:** Matched by Elucidate to GLEIF on name, country and address - **Elucidate firm ID:** 7a1a3e40c926 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Money remittance - Payment services - Account information - **Licensed in:** [Sweden](https://elucidate.co/directory/country/se) · Europe & Central Asia - **First registered:** 2019-07-05 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:** Kapitalio Financial Group AB · Sweden[9845005E5E54QB4S4D38 ↗](https://search.gleif.org/#/record/9845005E5E54QB4S4D38) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Addresses - **Address on the register:** Mailbox 3908, STOCKHOLM, 111 74 - **Country:** Sweden ## 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 549300CDJWSTDX4I4D75 Uppland Sparkapital AB (publ) 111 74 STOCKHOLM SE Mailbox 3908 ``` 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 Sweden - [Trustly Group AB BIC TRLYSESS Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 45002 (EBA-PSD2) · LEI 5493008FHV9NM1RASP51](https://elucidate.co/directory/trustly-group-ab-trlysess) - [AVY Finans AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 50642 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/avy-finans-ab-7693091ed4c2) - [CDSys AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 50719 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/cdsys-ab-01bda55cd78d) - [Smart Refill i Helsingborg AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 45568 (EBA-PSD2) · No LEI mapped](https://elucidate.co/directory/smart-refill-i-helsingborg-ab-849f399eb462) - [Svensk Betaltjänst AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 559417-4012 (EBA-PSD2) · LEI 636700TNYQE3UL9HTI08](https://elucidate.co/directory/svensk-betaltjanst-ab-e9d0f590acd1) - [APS International AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 559121-0132 (EBA-PSD2) · LEI 636700EN9ELT3O6D3Q26](https://elucidate.co/directory/aps-international-ab-f047d83b9d0f) - [Bambora AB No BIC Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 45001 (EBA-PSD2) · LEI 549300DC0M8DMLX0G290 (also mapped to a BIC)](https://elucidate.co/directory/bambora-ab-83a2f02c0bda) - [Bankomat AB BIC BAUBSES1 Payments & e-money Prudential licence Sweden · Licensed by Swedish Financial Supervisory Authority · 48384 (EBA-PSD2) · LEI 6367004XPYLNNNNXZL49](https://elucidate.co/directory/bankomat-ab-baubses1) [See all →](https://elucidate.co/directory/search?type=payments&cc=SE) [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.