CAPITAL FINANCIAL SERVICES S.A.

About this institution

Dated events for CAPITAL FINANCIAL SERVICES S.A., from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 30 Sept 2026

   Cross-checked against the Romanian Financial Supervisory Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 25 Apr 2013

   Licence granted by the Romanian Financial Supervisory Authority

Position in the Romania register

CAPITAL FINANCIAL SERVICES S.A. is one of 3 e-money institutions on the Romania register, 3 of which are currently active. Its licence is the 1st oldest of the 3 dated Romania EMI authorisations.

Is your money safe with CAPITAL FINANCIAL SERVICES S.A.?

CAPITAL FINANCIAL SERVICES S.A. holds an e-money authorisation from Romanian Financial Supervisory Authority, which means client money must be safeguarded: held separately from the firm's own funds at a credit institution, or covered by an equivalent insurance policy. E-money is not a bank deposit - it is not covered by a national deposit guarantee scheme, so there is no automatic compensation payout if the firm fails.

If an authorised EMI becomes insolvent, safeguarded funds sit outside the insolvency estate and are returned to customers by the administrator - repayment can take time, and administration costs may be deducted along the way.

How e-money safeguarding works → Verify on the register →

Under the EU passporting regime, CAPITAL FINANCIAL SERVICES S.A. can provide services across the following EEA jurisdictions, in addition to its home authorisation in Romania.

• Poland6
• Slovenia6
• Italy6
• Latvia6
• Croatia6
• Slovakia6
• Belgium6
• Netherlands6
• Malta6
• Czech Republic6
• Denmark6
• Iceland6
• Ireland6
• Bulgaria6
• Liechtenstein6
• Greece6
• Estonia6
• Lithuania6
• Sweden6
• Luxembourg6
• Austria6
• Germany6
• Cyprus6
• Hungary6
• Finland6
• France6
• Norway6
• Spain6
• Portugal6

Authorised activities (PSD2 / EMD2)

Payment-services activities CAPITAL FINANCIAL SERVICES S.A. is permitted to carry out under its licence, as recorded in the register.

• ✓Issuing payment instruments and acquiring payment transactionsPSD2_5
• ✓Cash withdrawal services on a payment accountPSD2_2
• ✓Safeguarding of customer fundsSAFEGUARDING
• ✓Issuance of electronic moneyEMI_ISSUANCE
• ✓Execution of payment transactions on a payment accountPSD2_3

Frequently asked questions

Is CAPITAL FINANCIAL SERVICES S.A. a licensed e-money institution?

Yes. CAPITAL FINANCIAL SERVICES S.A. holds EMI authorisation from Romanian Financial Supervisory Authority in Romania, licence reference 22170545. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates CAPITAL FINANCIAL SERVICES S.A.?

CAPITAL FINANCIAL SERVICES S.A. is authorised and supervised by Romanian Financial Supervisory Authority in Romania. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is CAPITAL FINANCIAL SERVICES S.A.'s licence or FRN number?

CAPITAL FINANCIAL SERVICES S.A.'s licence reference number is 22170545. Enter it on the EBA EUCLID register at euclid.eba.europa.eu to confirm the institution's identity and that its authorisation is in force.

Is CAPITAL FINANCIAL SERVICES S.A. authorised in other EEA countries?

Yes. CAPITAL FINANCIAL SERVICES S.A. is passported to 29 EEA jurisdictions, meaning it can provide e-money and payment services across those countries on its home authorisation.

Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.

Other licensed institutions in Romania

• FILBO PAY S.A.
• HEYBLU FINANCIAL SERVICES IFN SA

View all institutions in Romania →

Registered office

Street

Str. Grigore Alexandrescu nr. 89-97, et. 6, BUCURESTI, sector 1

City

BUCUREŞTI, 010624