Profile rates
Data-derived · A is broadestThree named tiers comparing this institution against the rest of the European register.
- Reach
- DomesticTier D
- Scope
- SpecialistTier C
- Tenure
- NewTier D
No EEA passporting on record.
Authorised for 3 payment-services activities.
Authorised within the last year.
About this institution
Verified active. Incard Ltd holds a current UK e-money licence under FCA reference 1027309. The licence authorises safeguarding of customer funds, distribution and redemption of electronic money, and issuance of electronic money.
No EEA passporting is recorded for this licence, and no additional host states are listed.
Licence granted on 12 December 2025. The register lists the licence under FCA reference 1027309 as active.
Licence timeline
3 dated eventsDated events for INCARD LTD, from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.
Cross-checked against the Financial Conduct Authority register
Automated daily verification of licence status and reference.
First verified and added to this directory
Licence granted by the Financial Conduct Authority
Position in the United Kingdom register
United Kingdom EMIs
474
Active
289
Full / small licences
403 / 71
Licence age rank
269/287
INCARD LTD is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 269th oldest of the 287 dated United Kingdom EMI authorisations, one of 19 granted in 2025.
Is your money safe with INCARD LTD?
INCARD LTD holds an e-money authorisation from Financial Conduct Authority, 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 the FSCS, 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 INCARD LTD is permitted to carry out under its licence, as recorded in the register.
- Issuance of electronic moneyEMI_ISSUANCE
- Distribution and redemption of electronic moneyEMI_DISTRIBUTION
- Safeguarding of customer fundsSAFEGUARDING
Frequently asked questions
- Is INCARD LTD a licensed e-money institution?
- Yes. INCARD LTD holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 1027309. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
- Who regulates INCARD LTD?
- INCARD LTD is authorised and supervised by Financial Conduct Authority in United Kingdom. Its e-money licence and current status are listed on the FCA Financial Services Register at register.fca.org.uk.
- What is INCARD LTD's licence or FRN number?
- INCARD LTD's licence reference number is 1027309. Enter it on the FCA Financial Services Register at register.fca.org.uk 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 United Kingdom
Ratings & reader notes
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