Pleo Financial Services ApS

Headline fees on the published free / standard plan, taken from the institution’s own fee schedule.

Plan

Starter (business)

Monthly fee

EUR 9.50 / month (billed annually)

Card issuance

Included

Free ATM / month

None

ATM fee

EUR 5.00 per withdrawal

FX markup

2.49%

SEPA transfer

Not on Starter

SWIFT transfer

Not on Starter

Danish-licensed entity behind Pleo's EEA roll-out; same pricing in EUR.

Verified 8 May 2026·Source ↗

About this institution

Dated events for Pleo Financial Services ApS, 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 Danish Financial Supervisory Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 30 Nov 2018

   Licence granted by the Danish Financial Supervisory Authority

Position in the Denmark register

Pleo Financial Services ApS is one of 15 e-money institutions on the Denmark register, 15 of which are currently active. Its licence is the 6th oldest of the 15 dated Denmark EMI authorisations.

Is your money safe with Pleo Financial Services ApS?

Pleo Financial Services ApS holds an e-money authorisation from Danish 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, Pleo Financial Services ApS can provide services across the following EEA jurisdictions, in addition to its home authorisation in Denmark.

• Spain8
• Luxembourg8
• Malta8
• Latvia8
• Norway8
• Finland8
• Liechtenstein8
• Poland8
• Sweden8
• Cyprus8
• Croatia8
• Italy8
• Estonia8
• Austria8
• Romania8
• Lithuania8
• Slovakia8
• Slovenia8
• Ireland8
• Germany8
• Bulgaria8
• Iceland8
• Netherlands8
• Czech Republic8
• Portugal8
• Hungary8
• France8
• Belgium8
• Greece8

Authorised activities (PSD2 / EMD2)

Payment-services activities Pleo Financial Services ApS is permitted to carry out under its licence, as recorded in the register.

• ✓Execution of payment transactions on a payment accountPSD2_3
• ✓Safeguarding of customer fundsSAFEGUARDING
• ✓Issuing payment instruments and acquiring payment transactionsPSD2_5
• ✓Issuance of electronic moneyEMI_ISSUANCE
• ✓Execution of payment transactions where funds are covered by credit linePSD2_4

Frequently asked questions

Is Pleo Financial Services ApS a licensed e-money institution?

Yes. Pleo Financial Services ApS holds EMI authorisation from Danish Financial Supervisory Authority in Denmark, licence reference 39155435. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates Pleo Financial Services ApS?

Pleo Financial Services ApS is authorised and supervised by Danish Financial Supervisory Authority in Denmark. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is Pleo Financial Services ApS's licence or FRN number?

Pleo Financial Services ApS's licence reference number is 39155435. 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 Pleo Financial Services ApS authorised in other EEA countries?

Yes. Pleo Financial Services ApS 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.

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Registered office

Street

Ravnsborg Tværgade 5, 4

City

København N, 2200