moving money made simple

ONPEX provides simple and automated access to multi-currency IBAN accounts, transaction banking, and FX services for fintechs and digital businesses. Using  our flexible, API-driven BaaS platform, our clients create user-friendly, compliant and cost-efficient payment and banking solutions. 

legal notices

Browsing on this site is subject to the laws of Luxembourg and to the terms and conditions set out in this legal notice. By continuing to browse on the site, you state your acceptance of these contractual terms and conditions.


All Banking and Financial Services are provided by ONPEX S.A.

ONPEX S.A. is a société anonyme, with registered office at 10, rue de Mondorf, 5730 Aspelt; Luxembourg; registered in the registre de commerce de Luxembourg under number B208603. ONPEX S.A. is a regulated European Payment Institution supervised by the Luxembourg Commission de Surveillance du Secteur Financier (, license no. Z00000013.

Supervising body: Commission de Surveillance du Secteur Financier (CSSF) 283, route d’ArlonL-1150 LUXEMBOURG

The Site is defined as all the web sites (including any amendments or updates) operated as part of the services offered by ONPEX at the following address:, as well as at any other Internet address chosen by ONPEX.

Personal data

Access to several pages on the Site is subject to prior communication of relevant personal details. ONPEX stores on electronic storage media or in any other form only such data as are necessary for the execution of its services.

Business secrecy prohibits ONPEX from acting as intermediary for the gathering and forwarding of such information to third parties except on the formal instructions of its clients or where it is under a legal obligation to pass on or collect such information.

The personal data gathered may be processed by related financial sector professionals as defined by the amended law of 5 April 1993 on the financial sector, in the context of subcontracting agreements concluded between ONPEX and the said financial professionals.

The client has the right to see the information concerning him or her and the right to amend the details, provided that he or she can provide proof of identity in accordance with the legislation governing the protection of personal data.

Refusal to provide such personal data to ONPEX and prohibiting the processing of such data, although permitted under the regulations, could result in it being impossible to enter into business relations or to continue existing relations.


The information disseminated on the Site, whether general (e.g. market news) or specific (e.g. ONPEX products), is provided on a purely indicative basis. This information is published without any guarantee as to their completeness, accuracy or currency. The information does not constitute in any manner whatsoever a solicitation to buy or sell. It has no value as legal, accounting, and fiscal advice and is only valid at the time when it is given. It is not intended as a substitute for the knowledge and competence of the user and should be used in conjunction with advice from a qualified professional. The Information and its publication are subject to the laws of Luxembourg. Users access information from other jurisdictions at their own risk. The information may be supplied by outside providers. Except in the case of willful misrepresentation or serious misconduct, ONPEX may not be made liable vis-à-vis the user of this Information for the use of such information and its direct and indirect consequences.

Access to the site

The Site is subject to the laws of Luxembourg. The Site is not intended for persons under jurisdictions where (for reasons of nationality, place of residence, and for any other reason) the dissemination or access to such information is prohibited.

If the user is not a Luxembourg resident, it is his sole and entire responsibility to verify in advance that the regulations applicable to him authorise him to make use of the information published on the Site.

Finally, ONPEX reserves the right to refuse, at its own discretion, to open an account.

Links to third-party sites

ONPEX Site may contain links to third party sites that are not under its control. Certain links are offered for convenience only and the inclusion of a link in no way implies that ONPEX agrees with the contents of the linked site. ONPEX is not liable for the content, services, products or material offered at a site linked to that of ONPEX.

No link is established with the Site without ONPEX prior consent. Links to ONPEX Site using techniques such as framing and/or deep linking are not permitted. ONPEX is under no circumstances responsible for links made to its Site.


ONPEX is the owner of the ONPEX brand names, logos, and other elements featuring on the Site.

Any translation, adaptation, partial or full reproduction, using any procedure in any country without ONPEX prior consent is prohibited.


The user accepts responsibility for any access to the Site or any use made thereof. ONPEX will not be liable for direct or indirect losses that may arise out of the use of the Site and in connection with the interruption, stoppage or malfunctioning of the Site especially as may arise out of stoppages for maintenance purposes or in order to update ONPEX IT systems, technical breakdowns, and network overloads, cuts in telephone communications, errors, negligence or fault on the part of Internet service suppliers or third parties or due to a virus spread on the Internet.

Luxembourg law and Luxembourg jurisdiction

The governing law is the law of Luxembourg.

The user is notified that only the District Courts of and in Luxembourg have jurisdiction concerning any disputes arising out of the use, interpretation and performance of information and data contained in this Site.

Complaint resolution


Our objective is to provide you with the highest standard of services. We strive to seek your utmost satisfaction. Nevertheless, if you are not satisfied or experienced any issues, please let us know. Here's the Client Complaint Process document (PDF). 

moving money made simple

ONPEX is a leading provider of transaction banking and cross-border payment services to fintechs and digital businesses. Based on our flexible, API-driven BaaS platform, our clients create user-friendly, compliant and cost-efficient solutions.

© 2020 ONPEX S.A. all rights reserved

payment institution certificate Luxembourg