Transfergo Ltd

Headline fees on the published free / standard plan, taken from the institution’s own fee schedule.

Plan

Personal multi-currency account

Monthly fee

Free

Card issuance

GBP 4.99 (Physical GoCard)

Free ATM / month

GBP 500 UK/EEA · GBP 200 RoW (3 withdrawals)

ATM fee

1.5% UK/EEA (min GBP 1) · 3.0% RoW (min GBP 1)

FX markup

From 0.5% (0.2% in-account conversions)

SEPA transfer

From 0.2% on send

SWIFT transfer

Corridor-dependent

First two transfers free; remittance-first product so card fees apply once you take the GoCard.

Verified 8 May 2026·Source ↗

About this institution

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

1. 21 Oct 2026

   Cross-checked against the Financial Conduct Authority register

   Automated daily verification of licence status and reference.

2. 06 Jul 2026

   First verified and added to this directory

3. 22 Jan 2024

   Licence granted by the Financial Conduct Authority

Position in the United Kingdom register

Transfergo Ltd is one of 476 e-money institutions on the United Kingdom register, 291 of which are currently active. Its licence is the 243rd oldest of the 289 dated United Kingdom EMI authorisations, one of 10 granted in 2024.

Is your money safe with Transfergo Ltd?

Transfergo 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 Transfergo Ltd is permitted to carry out under its licence, as recorded in the register.

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

Frequently asked questions

Is Transfergo Ltd a licensed e-money institution?

Yes. Transfergo Ltd holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 991295. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.

Who regulates Transfergo Ltd?

Transfergo 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 Transfergo Ltd's licence or FRN number?

Transfergo Ltd's licence reference number is 991295. 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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