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 6 years ago.
About this institution
Verified active. xpate ltd holds a current UK e-money licence 901021 issued by the Financial Conduct Authority. Authorised to distribute and redeem electronic money, issue electronic money, and safeguard customer funds.
The licence remains confined to the UK; no EEA passporting is documented. Data note: licence granted 18 March 2020, and no EEA passporting is on record.
The register lists licence reference 901021 and confirms its active status as at the last cross-check.
Licence timeline
3 dated eventsDated events for xpate 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
151/287
xpate ltd is one of 474 e-money institutions on the United Kingdom register, 289 of which are currently active. Its licence is the 151st oldest of the 287 dated United Kingdom EMI authorisations, one of 39 granted in 2020.
Is your money safe with xpate ltd?
xpate 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 xpate 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 xpate ltd a licensed e-money institution?
- Yes. xpate ltd holds EMI authorisation from Financial Conduct Authority in United Kingdom, licence reference 901021. Its authorisation is currently active and is cross-checked against the FCA Financial Services Register.
- Who regulates xpate ltd?
- xpate 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 xpate ltd's licence or FRN number?
- xpate ltd's licence reference number is 901021. 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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