European BIN sponsors
21 verified European providers, ranked European-origin first (14 EU/EEA-origin). Regulated Visa/Mastercard principals that lend their BIN for card issuing. Compare by EEA data residency, licence and regulator - each verified at source.
A BIN sponsor is a regulated institution and scheme principal member that lends its Bank Identification Number to programmes without their own Visa/Mastercard membership - the licence-and-scheme layer of every fintech card. Three facts frame this market: every verified sponsor issues on the US schemes (Mastercard is currently universal, Visa close behind), real credit needs a bank behind the programme, and nobody publishes pricing - the cost guide explains the quote structure instead. Path from brief to signature: how to get a BIN sponsor.
21 verified providers
Last source verification in this list: 2026-07-19. How we verify →
🏦 Local IBANs: NL
Adyen (Netherlands) - global acquiring, card issuing and banking; Adyen Issuing offers BIN sponsorship for platforms plus business accounts with NL IBANs. Credit institution (bank), DNB; passported across the EEA (CRD IV). A rare EU-HQ global processor. Agentic-ready - named partner in Mastercard Agent Pay (AI-agent commerce).
🏦 Local IBANs: LT GB
DiPocket (Lithuania; + UK) - card issuing and IBAN accounts; Visa & Mastercard Principal Member. EMI, Bank of Lithuania (EEA) + FCA (UK). SEPA + SWIFT, LT IBANs and UK Faster Payments.
Edenred Payment Solutions (ex-PrePay Solutions / PPS; UK + Belgium) - card issuing, BIN sponsorship and in-house processing; Mastercard + Visa primary issuer. FCA EMI (UK, FRN 900010) + PPS EU SA (NBB Belgium, passported to 7 EU countries). Part of Edenred SE (FR, listed); founding member of Mastercard BIN Sponsor Plus.
Enfuce (Finland) - card-as-a-service and BIN sponsorship across the EEA and UK; Visa & Mastercard Principal Member. Dual EMI (FIN-FSA + UK FCA, via Enfuce License Services). Visa holds a stake.
IT Card (Warsaw, Poland) - Poland's largest transaction processor (founded 2008); card issuing (1.6m+ cards), 3DS, the Planet Cash ATM network (~7,400) and Planet Pay POS acquiring. Licensed via Planet Pay - National Payment Institution (KNF), Visa Principal Member + Mastercard acquirer - offering 'fintech-in-a-box' BIN sponsorship. Operates PL/CZ/HR; SIBS (PT) took a majority stake (completed 2026). KRS 0000640662.
🏦 Local IBANs: BG GB
Paynetics (Bulgaria; + UK) - card issuing, BIN sponsorship and accounts; dedicated IBANs (SEPA + SWIFT) plus UK sort-code accounts. Dual EMI: BNB (No. 44) + FCA (942777; formerly TPR 900785).
Paynovate (Belgium) - card issuing and BIN sponsorship; Principal Member for Visa, Mastercard and Bancontact-Payconiq (a European domestic scheme). Belgian EMI (NBB); the #1 EMI in Belgium.
🏦 Local IBANs: ES
Pecunpay (Pecunia Cards EDE SL, Spain; est. 2015) - card issuing and BIN sponsorship; Visa/Mastercard and the first Spanish issuer of UnionPay cards. Spanish EMI (Banco de Espana). First EMI with direct access to the Spanish payment system (Iberpay) and its own IBAN codes.
🏦 Local IBANs: DE
Solaris (Germany) - BaaS, card issuing and BIN sponsorship on a German banking licence. Credit institution, BaFin. Acquired Contis (2021). NB: heightened BaFin supervision (onboarding restrictions, fines 2024-2025).
🏦 Local IBANs: FR DE ES IT NL BE
Swan (France) - embedded banking, accounts and card issuing; Mastercard Principal Member sponsoring embedded card programmes. EMI, ACPR (ref 86245).
Transact Payments (Malta + Gibraltar) - card issuing and BIN sponsorship across the UK and EEA; Visa & Mastercard Principal Member. EMI (Malta MFSA + Gibraltar FSC). Being acquired by Marqeta (US) - sovereignty flag.
🏦 Local IBANs: FR
Treezor (France) - BaaS, card issuing and tokenization; Visa & Mastercard Principal Member. NB: Societe Generale entered exclusive negotiations to sell 100pct of Treezor to French investech Shares (2026).
🏦 Local IBANs: EE
Wallester (Estonia) - card issuing and BIN sponsorship; Visa Principal Member (since 2018), Mastercard via partner. Estonian FSA payment institution; UK entity holds an FCA EMI. Wallester Business EUR IBAN accounts (issued via LHV Bank, EE).
Walletto (Lithuania) - card issuing and acquiring with BIN sponsorship; Visa & Mastercard Principal Member. EMI No. 33, Bank of Lithuania (since 2018).
B4B Payments (UK; + Lithuania) - card issuing, BIN sponsorship and embedded payments. FCA (UK) + Bank of Lithuania (EEA); Mastercard Principal Member. Part of Banking Circle Group since 2021; 19+ years across UK/EU/US.
Decta (UK; + Cyprus, Ireland) - card acquiring, issuer processing and BIN sponsorship; certified Visa/Mastercard/UnionPay processor. EMI, Central Bank of Cyprus (115.1.3.54) + Central Bank of Ireland + FCA (UK). 50+ settlement currencies.
Equals Money (UK) - Mastercard card issuing, FX and multi-currency accounts. FCA EMI + PI (UK). Merged with Railsr in 2025 (now 'Equals'); GBP 58bn+ volume. Group rebranded to Equals (Jun 2026; GBP 58bn+ annual volume).
Monavate (UK; + Lithuania) - card programme issuing and BIN sponsorship; Visa / Mastercard / Discover Principal Member. UK FCA (901097) + UAB Monavate (Bank of Lithuania, LB002139, EEA). EEA card rail via the Lithuanian entity.
Moorwand (London, UK) - BIN sponsorship and issuing (Mastercard, Discover, UnionPay). FCA EMI (FRN 900709). UK-only licence post-Brexit; EEA reach via partner Harmoniie SAS (ACPR EMI, France).
PSI-Pay (UK) - BIN sponsorship across consumer and corporate, physical and virtual cards; Mastercard Principal Issuing Member (+ Visa, Discover). FCA Authorised EMI. 16+ settlement currencies; founding member of Mastercard BIN Sponsor Plus.
IDT Financial Services (Gibraltar) - prepaid card issuing and BIN sponsorship; Visa & Mastercard Principal Member. Gibraltar-licensed issuing bank (GFSC). Subsidiary of IDT Corporation (US); founding member of Mastercard BIN Sponsor Plus. NB: Gibraltar is outside the EEA post-Brexit.
FAQ
What is a BIN sponsor?
A BIN sponsor is a regulated institution and Visa/Mastercard principal member that lends its Bank Identification Number to companies without their own scheme licence, so they can issue cards. Fintechnologica lists 21 verified BIN sponsors (14 European-origin) with their scheme membership, reach and passporting shown.
Can a BIN sponsor issue credit cards, or only prepaid and debit?
Most European BIN sponsors are EMIs, so they can only issue prepaid and debit - real credit requires a banking or credit licence, which only a handful of sponsors hold. The card scheme itself will almost always be Visa or Mastercard; European domestic schemes are rare in the fintech BIN channel.