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Licensed EMIsSee verified EMIs

SPEND LTD.

United Kingdom
Not yet ratedActiveEMI
View on register

Regulator

Financial Conduct Authority

Licence number

931540

Authorised since

22 Jul 2021

EEA passports

0

Profile rates

Data-derived · A is broadest

Three named tiers comparing this institution against the rest of the European register.

Reach
DomesticTier D

No EEA passporting on record.

Scope
SpecialistTier C

Authorised for 3 payment-services activities.

Tenure
MatureTier B

Authorised 5 years ago.

About this institution

Verified active. SPEND LTD. holds a current UK e-money licence issued by the FCA - licence reference 931540. The licence authorises the issuance of electronic money, safeguarding of customer funds, and the distribution and redemption of electronic money.

The licence does not list any passported operations within the EEA.

Licence granted on 22 July 2021. The Financial Conduct Authority reference 931540 confirms SPEND LTD. as an active electronic money institution in the United Kingdom.

Licence timeline

3 dated events

Dated events for SPEND LTD., from the register record and this directory’s daily cross-checks. Status changes are recorded as they are observed.

  1. Cross-checked against the Financial Conduct Authority register

    Automated daily verification of licence status and reference.

  2. First verified and added to this directory

  3. 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

205/287

SPEND LTD. is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 205th oldest of the 287 dated United Kingdom EMI authorisations, one of 37 granted in 2021.

Is your money safe with SPEND LTD.?

SPEND 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.

How e-money safeguarding works → Verify on the register →

Authorised activities (PSD2 / EMD2)

Payment-services activities SPEND LTD. is permitted to carry out under its licence, as recorded in the register.

  • Safeguarding of customer fundsSAFEGUARDING
  • Distribution and redemption of electronic moneyEMI_DISTRIBUTION
  • Issuance of electronic moneyEMI_ISSUANCE

Frequently asked questions

Is SPEND LTD. a licensed e-money institution?
Yes. SPEND LTD. holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 931540. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
Who regulates SPEND LTD.?
SPEND 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 SPEND LTD.'s licence or FRN number?
SPEND LTD.'s licence reference number is 931540. 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.

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