Pliant Oy

About this institution

Dated events for Pliant Oy, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

1. 01 Oct 2026

   Cross-checked against the Finnish Financial Supervisory Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 28 Apr 2023

   Licence granted by the Finnish Financial Supervisory Authority

Position in the Finland register

Pliant Oy is one of 16 e-money institutions on the Finland register, 16 of which are currently active. Its licence is the 11th oldest of the 16 dated Finland EMI authorisations, one of 2 granted in 2023.

Is your money safe with Pliant Oy?

Pliant Oy holds an e-money authorisation from Finnish 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, Pliant Oy can provide services across the following EEA jurisdictions, in addition to its home authorisation in Finland.

• Slovakia12
• Portugal12
• Czech Republic12
• Cyprus12
• Lithuania12
• Romania12
• Hungary12
• Austria12
• Netherlands12
• Poland12
• Ireland12
• Greece12
• Germany12
• Denmark12
• Italy12
• Malta12
• Estonia12
• France12
• Sweden12
• Norway12
• Bulgaria12
• Spain12
• Iceland12
• Latvia12
• Luxembourg12
• Croatia12
• Slovenia12
• Belgium12
• Liechtenstein12

Authorised activities (PSD2 / EMD2)

Payment-services activities Pliant Oy is permitted to carry out under its licence, as recorded in the register.

• ✓Account information services (AIS)PSD2_8
• ✓Payment initiation services (PIS)PSD2_7
• ✓Execution of payment transactions where funds are covered by credit linePSD2_4
• ✓Cash deposit services on a payment accountPSD2_1
• ✓Issuance of electronic moneyEMI_ISSUANCE
• ✓Execution of payment transactions on a payment accountPSD2_3
• ✓Cash withdrawal services on a payment accountPSD2_2
• ✓Issuing payment instruments and acquiring payment transactionsPSD2_5
• ✓Safeguarding of customer fundsSAFEGUARDING

Frequently asked questions

Is Pliant Oy a licensed e-money institution?

Yes. Pliant Oy holds EMI authorisation from Finnish Financial Supervisory Authority in Finland, licence reference 32669139. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.

Who regulates Pliant Oy?

Pliant Oy is authorised and supervised by Finnish Financial Supervisory Authority in Finland. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.

What is Pliant Oy's licence or FRN number?

Pliant Oy's licence reference number is 32669139. 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 Pliant Oy authorised in other EEA countries?

Yes. Pliant Oy 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

Pohjoisesplanadi 19

City

Helsinki, 00100