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
- MatureTier B
No EEA passporting on record.
Authorised for 2 payment-services activities.
Authorised 5 years ago.
About this institution
Verified active. Sendspend Limited holds a current Small EMI licence issued by the Financial Conduct Authority. The entity is cross-checked against the FCA register under reference 932841, licence granted 19 April 2021. Authorised activities as recorded in the register are safeguarding of customer funds and issuance of electronic money.
The register lists no EEA passporting arrangements on record for Sendspend Limited. The entity's authorisation continues to the United Kingdom jurisdiction only.
Data note: no cross-border host states are documented. FCA reference 932841 confirms the Small EMI status and active operational standing as at the last register cross-check.
Licence timeline
3 dated eventsDated events for Sendspend Limited, 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
Small EMI registration 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
195/287
Sendspend Limited is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 195th oldest of the 287 dated United Kingdom EMI authorisations, one of 37 granted in 2021. As a small-EMI registration it operates domestically only - 71 of the 474 United Kingdom entries use this lighter regime.
Is your money safe with Sendspend Limited?
Sendspend Limited holds a small-EMI registration 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. Small-EMI regimes are national and domestic-only; the exact safeguarding arrangements are worth confirming with the firm and its regulator.
Authorised activities (PSD2 / EMD2)
Payment-services activities Sendspend Limited is permitted to carry out under its licence, as recorded in the register.
- Issuance of electronic moneyEMI_ISSUANCE
- Safeguarding of customer fundsSAFEGUARDING
Frequently asked questions
- Is Sendspend Limited a licensed e-money institution?
- Yes. Sendspend Limited holds Small EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 932841. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
- Who regulates Sendspend Limited?
- Sendspend Limited 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 Sendspend Limited's licence or FRN number?
- Sendspend Limited's licence reference number is 932841. 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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