Payment Institution Authorised

Kvarn Capital Oy

Entity code

FI_FIN_FSA!32888032

Supervising NCA

FI_FIN-FSA

Home country

Finland

National ref. code

32888032

First authorised

3 Jul 2025

Last verified

22 Jul 2026

Authorised services

✓ Cash placement on payment account PS_010
✓ Cash withdrawal PS_020
✓ Credit transfers PS_03A
✓ Direct debits PS_03B
✓ Card payments PS_03C
✓ PS_04A PS_04A
✓ Issuing payment instruments PS_04B
✓ PS_04C PS_04C

Passporting

This institution is authorised to provide services in 29 additional EEA countries.

Country	Services
Austria	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Belgium	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Bulgaria	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Croatia	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Cyprus	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Czech Republic	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Denmark	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Estonia	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
France	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Germany	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Greece	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Hungary	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Iceland	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Ireland	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Italy	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Latvia	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Liechtenstein	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Lithuania	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Luxembourg	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Malta	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Netherlands	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Norway	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Poland	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Portugal	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Romania	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Slovakia	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Slovenia	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Spain	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments
Sweden	Cash placement on payment account, Cash withdrawal, Credit transfers, Direct debits, Card payments

About Payment Institutions

Payment institutions are authorised under PSD2 (Directive 2015/2366/EU) to provide payment services across the EEA. They may passport their services to other member states without requiring separate national authorisation.