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.

Pleo Financial Services ApS

2.7(413 notes)ActiveEMI

View on register

Regulator

Danish Financial Supervisory Authority

Licence number

39155435

Authorised since

30 Nov 2018

EEA passports

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach: Pan-EuropeanTier A
Scope: Multi-serviceTier B
Tenure: MatureTier B

Pricing snapshot

Editorial · Starter (business)

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 2026Source ↗

About this institution

Verified active. Pleo Financial Services ApS holds a current e-money licence issued by the Danish Financial Supervisory Authority on 30 November 2018. The licence authorises the entity to execute payment transactions on a payment account, execute payment transactions where funds are covered by credit line, issue electronic money, issue payment instruments and acquire payment transactions, and safeguard customer funds. These five core activities define the scope of the entity's authorisation across the EEA.

The register lists 29 host states into which this licence is passported. Pleo Financial Services ApS operates across Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden. This cross-border reach covers substantially all EEA jurisdictions and reflects a multi-country operational posture.

As recorded in the Danish Financial Supervisory Authority register, the entity's authorisation continues with operational status active as at the last cross-check. Licence reference 39155435 confirms the registration.

EEA passporting

29 jurisdictions

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.

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

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

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.

Other licensed institutions in Denmark

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Registered office

Street: Ravnsborg Tværgade 5, 4
City: København N, 2200

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