Profile rates
Data-derived · A is broadestThree named tiers comparing this institution against the rest of the European register.
- Reach
- DomesticTier D
- Scope
- Multi-serviceTier B
- Tenure
- EstablishedTier A
No EEA passporting on record.
Authorised for 6 payment-services activities.
Authorised 11 years ago.
About this institution
Verified active. Universo, IME, S.A. holds a current Portuguese e money licence (reference 7500) issued by Banco de Portugal on 16 July 2015. The licence authorises execution of payment transactions on a payment account. It also covers cash withdrawal, issuing payment instruments, safeguarding customer funds, issuing electronic money, and transactions with credit line funds.
The licence applies only within Portugal, with no EEA passporting recorded.
Data note: the licence granted date is recorded as 16 July 2015. Banco de Portugal, reference 7500, status active as at the last cross check.
Licence timeline
3 dated eventsDated events for Universo, IME, S.A., from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.
Cross-checked against the Banco de Portugal register
Automated daily verification of licence status and reference.
First verified and added to this directory
Licence granted by the Banco de Portugal
Is your money safe with Universo, IME, S.A.?
Universo, IME, S.A. holds an e-money authorisation from Banco de Portugal, 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.
Authorised activities (PSD2 / EMD2)
Payment-services activities Universo, IME, S.A. 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
- Safeguarding of customer fundsSAFEGUARDING
- Issuing payment instruments and acquiring payment transactionsPSD2_5
- Cash withdrawal services on a payment accountPSD2_2
- Issuance of electronic moneyEMI_ISSUANCE
- Execution of payment transactions on a payment accountPSD2_3
Frequently asked questions
- Is Universo, IME, S.A. a licensed e-money institution?
- Yes. Universo, IME, S.A. holds EMI authorisation from Banco de Portugal in Portugal, licence reference 7500. Its authorisation is currently active and is cross-checked against the EBA EUCLID register.
- Who regulates Universo, IME, S.A.?
- Universo, IME, S.A. is authorised and supervised by Banco de Portugal in Portugal. Its e-money licence and current status are listed on the EBA EUCLID register at euclid.eba.europa.eu.
- What is Universo, IME, S.A.'s licence or FRN number?
- Universo, IME, S.A.'s licence reference number is 7500. 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.
Sourced from the FCA Financial Services Register and the EBA EUCLID register; cross-checked daily.
Other licensed institutions in Portugal
Registered office
- Street
- Lugar do Espido, Via Norte
- City
- Maia, 4470-177
Ratings & reader notes
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