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 3 payment-services activities.
Authorised 5 years ago.
About this institution
Verified active. Xchange Finance Limited operates under the UK Financial Conduct Authority licence reference 927212. The licence authorises safeguarding of customer funds, issuance of electronic money, and distribution and redemption of electronic money.
The licence has zero passporting; no EEA host states are listed.
Data note: licence granted on 19 April 2021. The register confirms the Financial Conduct Authority as the regulator, reference number 927212, and active status as at the last cross-check.
Licence timeline
3 dated eventsDated events for Xchange Finance 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
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
196/287
Xchange Finance Limited is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 196th oldest of the 287 dated United Kingdom EMI authorisations, one of 37 granted in 2021.
Is your money safe with Xchange Finance Limited?
Xchange Finance Limited 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 Xchange Finance Limited 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 Xchange Finance Limited a licensed e-money institution?
- Yes. Xchange Finance Limited holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 927212. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
- Who regulates Xchange Finance Limited?
- Xchange Finance 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 Xchange Finance Limited's licence or FRN number?
- Xchange Finance Limited's licence reference number is 927212. 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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