Access Finance
- Company typePrivate
- Founded2021
- HeadquartersMadrid, Spain
- Headcount11–50
- GTM typeB2C
- OfferingServices
Access Finance firmographics
Firmographics- Name
- Access Finance
- Legal name
- Access Finance SL
- Website
- https://axi-card.es
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Access Finance industry classification
Industry- Product category
- Consumer Credit Cards
- NAICS
- Credit Card Issuing (522210)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Subprime Credit Cards & Secured Cards (FSAKAOAD)
Keywords
Where Access Finance is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Access Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Others
Revenue model
- Credit Card Interest: Interest income from revolving credit balances on AXI Cards. Fixed annual interest rate of 19.71% (0.054% daily). Customers can pay full balance to avoid interest or make minimum payments.
- Cash Advance Fees: Fees charged for cash withdrawals at ATMs: 5.5 EUR + 1.1% within EEE, with additional charges outside EEE.
- Cross-border Transaction Fees: Fees for certain transaction types including gambling transactions (3 EUR per transaction as of December 2025).
- Additional Funds Management: Commission on Additional Funds (amounts exceeding credit limit transferred to the card).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Standard AXI Card - No annual fees |
| Usage-based | Monthly | Credit Interest Rate |
| Transaction based/ take rate | Pay-as-you-go | Cash Withdrawal in EEE |
| Transaction based/ take rate | Pay-as-you-go | Cash Withdrawal outside EEE |
| Transaction based/ take rate | Pay-as-you-go | Cash Advance in Spain/EEE |
| Transaction based/ take rate | Pay-as-you-go | Gambling Transactions |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Access Finance product offering
Product offeringCore offering
Access Finance SL offers the AXI Card, a MasterCard-branded credit card with up to €1,500 credit limit featuring 100% digital application, instant approval, mobile-first management via iOS/Android apps, and zero fees on standard services. The company also offers AXI Credit, an instant personal loan product for new customers. Cards are issued by Easy Payment Services LTD under a Bulgarian e-money institution license, with Access Finance SL acting as the registered credit provider and marketing agent in Spain.
Product overview
Access Finance SL operates a dual-product financial services portfolio consisting of the AXI Card (a credit card with up to €1,500 limit issued by Easy Payment Services Ltd. with Access Finance as the credit provider) and AXI Credit (instant personal loans for new customers). These products are supported by the AXI Card Mobile App (iOS/Android) for card management, tokenization with Apple Pay/Google Pay, and biometric authentication, plus the AXI Card Customer Portal for online account and statement access. The offering is distributed entirely online with no physical branches.
Differentiator
Problem solved
Functional benefit
Brands
- AXI Card: Credit card product offered by Access Finance SL with up to 1500 EUR credit limit, Mastercard network, and mobile app management
Products and services
- AXI Card MasterCard credit card with up to €1,500 credit limit, offered to individual Spanish consumers through a 100% digital application and issuance by Easy Payment Services Ltd., with Access Finance SL acting as the credit provider. Includes zero annual, maintenance, issuance, and merchant-payment fees, contactless payment, and mobile-based management.
- AXI Credit Instant personal loan product available to new customers for covering unexpected expenses, with funds transferred immediately upon approval as an alternative or complement to the AXI Card.
- AXI Card Mobile App Native iOS and Android mobile application enabling AXI Card holders to view balance and transactions, block/unblock the card, initiate payments, receive transaction notifications, authenticate via biometrics, and add the card to Apple Pay and Google Pay via tokenization.
Quantifiable outcome
- 50,000+ customers served in Spain
- +2 more outcomes
Companies that use Access Finance
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Access Finance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability5 records
Feature4 records
Access Finance partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Easy Payment Services LTDcoreBulgarian e-money institution licensed by the Bulgarian National Bank (Decision No. 259 of October 25, 2018) that issues AXI Cards as the card issuer. Access Finance SL acts as a registered agent of Easy Payment Services LTD in Spain under Article 19 of Bulgaria's Payment Services and Systems Payment Act (PSPSA).
- Management Financial Group (MFG)coreParent group of companies (property and/or controlled, directly or indirectly, by Management Financial Group JSC). Access Finance SL is part of the MFG group and may share data with other group companies for marketing purposes with user consent.
- MasterCard InternationalcoreCard network organization. AXI Cards are MasterCard credit cards (category changed from debit to credit from December 13, 2022) accepted worldwide at merchants displaying the MasterCard logo.
- ASNEF-EquifaxcoreCredit information service used for credit scoring and solvency assessment during the application process. Also receives data in case of default on loan payments.
- Iovation (TransUnion)coreDevice fingerprinting and fraud detection service used to analyze device information during applications to detect potential fraud in contracting, evaluating fraud probability.
- Public Administration (Spain)coreData verification partnerships with Spanish government agencies including: Registro Público Concursal (bankruptcy registry), AEAT (tax agency) for identity verification, and TGSS (Social Security Treasury) for employment verification.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Access Finance competitors and assessment
Company assessmentRegional players
- Openbank (Santander): Spanish digital bank subsidiary of Santander offering credit cards and personal loans. Competes with AXI for digital-native Spanish consumers via an established bank-backed distribution and lower customer acquisition friction.
- MyInvestor: Spanish digital bank offering investment, savings, and consumer credit products. Operates only in Spain with overlapping digital acquisition of credit-seeking consumers.
Broad incumbents
- Revolut: Large UK-headquartered neobank with a Spanish customer base and growing credit product suite (cards, personal loans, BNPL). Wider product portfolio but increasingly competes for the same digital-native Spanish consumers.
- Klarna: Global BNPL and consumer credit provider expanding into longer-term lending. While primarily BNPL, its move into bank accounts and credit lines creates adjacent competition for AXI's credit products in Spain.
- N26: Berlin-based neobank with presence in Spain offering consumer accounts and credit features. Wider retail banking footprint than AXI but overlaps in the digital-first, mobile-managed credit experience.
Emerging players
- Vivid Money: European mobile-first financial platform offering accounts with integrated credit and cashback features. Comparable digital, mobile-first consumer credit positioning though broader European than Spain-specific.
Direct peers
- WiZink: Spanish digital consumer credit specialist issuing credit cards and personal loans, very similar in product mix (revolving cards + installment loans), digital-first acquisition, and underserved-consumer targeting to Access Finance / AXI Card.
- Oney: European consumer credit and payment provider (BPCE group) with Spanish operations offering credit solutions and Buy Now Pay Later products. Overlaps with AXI's credit card and personal loan offering.
- Cetelem (BNP Paribas Personal Finance): BNP Paribas subsidiary offering consumer credit, credit cards, and personal loans in Spain. Comparable to AXI's revolving credit + personal loan dual product strategy.
- Cofidis: Major French-owned consumer credit provider with significant Spanish operations offering personal loans and revolving credit. Directly competes with AXI Credit and AXI Card in the Spanish consumer credit market.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Access Finance social profiles
Digital presenceAccess Finance compliance and trust
Trust signalCompliance4 records
Access Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Access Finance leadership team
Management profileNumber of profiles
Profiles1 record
Access Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Access Finance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Access Finance
What does Access Finance do?
Access Finance SL offers the AXI Card, a MasterCard-branded credit card with up to €1,500 credit limit featuring 100% digital application, instant approval, mobile-first management via iOS/Android apps, and zero fees on standard services. The company also offers AXI Credit, an instant personal loan product for new customers. Cards are issued by Easy Payment Services LTD under a Bulgarian e-money institution license, with Access Finance SL acting as the registered credit provider and marketing agent in Spain.
Is Access Finance a public or private company?
Access Finance is a private company. It is classified as corporate owned and is currently operating.
When was Access Finance founded?
Access Finance was founded in 2021. It employs 11 to 50 people.
Where is Access Finance based?
Access Finance is headquartered in Madrid, Spain, in the Europe region.
How does Access Finance make money?
Four revenue lines are on record. Credit Card Interest is the primary driver. The others are cash Advance Fees, cross-border Transaction Fees and additional Funds Management.
Who are Access Finance's main competitors?
Regional players on record are Openbank (Santander) and MyInvestor. Broad incumbents are Revolut, Klarna and N26. Vivid Money is listed as an emerging player. Direct peers are WiZink, Oney, Cetelem (BNP Paribas Personal Finance) and Cofidis.
Does Access Finance have an API?
No public API is recorded for Access Finance.
What industry is Access Finance in?
Access Finance's product category is Consumer Credit Cards. Its primary akta.pro industry code is FSAKAOAD, Subprime Credit Cards & Secured Cards. Its NAICS code is 522210 and its SIC code is 6141.