--- title: "Zensum AB · Payment institution (Swedish Financial Supervisory Authority) · Sweden | Elucidate" description: "Zensum AB is no longer authorised by Swedish Financial Supervisory Authority as a payment institution in Sweden (inactive since 2024-01-23). Licence 44004. Register status, licences, activities and ownership." url: https://elucidate.co/directory/zensum-ab-f48cce36d836 --- 1. [Directory](https://elucidate.co/directory) 2. [Sweden](https://elucidate.co/directory/country/se) 3. Zensum AB Sweden · Payments & e-money # Zensum AB Register status Inactive on the register Withdrawn · since 23 January 2024 The register lists it as inactive [1 licence or registration ↓](https://elucidate.co/directory/zensum-ab-f48cce36d836#licences) BIC **No BIC** LEI **No LEI mapped** [Licence no. **44004**](https://elucidate.co/directory/zensum-ab-f48cce36d836#licences) ## Licences and registrations Held by Zensum AB. 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Authority | Payment institutionPayment Institution | 44004 | [Sweden](https://elucidate.co/directory/country/se) | Withdrawn | 2020-02-17 | Ended 2024-01-23 | - Payment services - Payment initiation - Account information | [Search the register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. No LEI is matched to this entry, and BICs are linked by LEI only. ## Identifiers - **Licence no. · EBA-PSD2:** 44004 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** No LEI mapped - **Elucidate firm ID:** f48cce36d836 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - Payment initiation - Account information - **Licensed in:** [Sweden](https://elucidate.co/directory/country/se) · Europe & Central Asia - **First registered:** 2020-02-17 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 No LEI is matched to this entry, so GLEIF relationship records cannot be linked. ## Addresses - **Address on the register:** Eriksbergsgatan 27, Stockholm, 114 30 - **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. No LEI or clearing code is mapped in the directory - **Postal address:** Hybrid: town, postcode and country in their own elements, the rest in one address line ```xml Zensum AB 114 30 Stockholm SE Eriksbergsgatan 27 ``` 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 ## 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.