United Kingdom · Payments & e-money
Wise Payments Limited
Wise Payments Limited is a private limited company incorporated in England and Wales in 2010, with its head office in London. The FCA authorises it as an electronic money institution under the Electronic Money Regulations 2011, with firm reference number 900507. It is wholly controlled by Wise Financial Holdings Ltd, and Wise Group plc of Jersey has been the group's ultimate parent since May 2026. Trading as Wise, it provides multi-currency accounts, international transfers and debit cards to personal and business customers in the UK.
Licences and registrations
Held by Wise Payments Limited (LEI 213800U4GNTXRFYZKG18). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900507 | United Kingdom | Active | 2018-06-07 | — |
|
Search the register ↗ |
Trading names on the register: Wise (FCA-EMI)
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Other register entries with this LEI
Shown for reference: they share the LEI but are not merged into this page
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- TRWIGB2BXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under TRWIGB2B directly.
- Swift GPI
- Live member
- Payment schemes and systems
- No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2022-11-19
- Last updated
- 2025-03-06
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Wise Financial Holdings Ltd
Firm type
E-money and accounts
Trades as Wise
- Ownership
- Wise Financial Holdings Ltd (Companies House 13214905) holds 75% or more of the shares and voting rights. That company sits under Wise plc, which has itself been owned by the Jersey-incorporated Wise Group plc since 8 May 2026.
- Direct parent
- Wise Financial Holdings Ltd, United Kingdom
- Ultimate owner
- Wise Group plc, Jersey
- Head office
- 1st Floor, Worship Square, 65 Clifton Street, EC2A 4JE London, United Kingdom
- Company register
- Companies House 07209813
- Incorporated
- 31 Mar 2010
- Founders
- Kristo Käärmann · Taavet Hinrikus
- Former names
- TransferWise Ltd · Exchange Solutions Ltd
Online
- Websites & references
- wise.com ↗
status.wise.com ↗ service status page (group)
docs.wise.com ↗ API documentation (group)
wise.com/owners ↗ investor relations (group)
Wikipedia ↗ group article
Wikidata Q140991428 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 15 pages consulted
- find-and-update.company-information.service.gov.uk/company/07209813
- find-and-update.company-information.service.gov.uk/company/07209813/officers
- find-and-update.company-information.service.gov.uk/company/07209813/persons-with-significant-control
- wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region
- wise.com/help/articles/4IusAofIppsIGPcs7sEIXI/how-our-uk-entity-wise-payments-ltd-safeguards-custo
- wise.com/help/articles/2949821/how-wise-keeps-your-money-safe
- wise.com/help/articles/2932699/who-is-the-fca
- wise.com/
- bankofengland.co.uk/news/2018/april/non-bank-psp-access-to-the-payments-system-announcement
- owners.wise.com/news-releases/news-release-details/wise-group-plc-reports-full-year-2026-financial-result
- ogier.com/news-and-insights/deals/ogier-advises-wise-plc-on-corporate-reorganisation-and-establishm
- investegate.co.uk/announcement/rns/wise-class-a--wise/scheme-of-arrangement/9540136
- gov.uk/government/publications/disclosure-notice-31-august-2023
- euronews.com/business/2026/06/01/wise-under-belgian-investigation-over-alleged-money-laundering-contro
- en.wikipedia.org/wiki/Wise_(company)
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011, with permission to issue e-money and provide payment services. Since April 2018 it has been a direct participant in Faster Payments, settling through a Bank of England settlement account.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900507 | In its own name | Active | wise.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm says it safeguards customer funds through cash at banks, mainly government bonds and a comparable insurance guarantee, kept apart from its own money.
- Safeguarding bank
- Barclays Bank PLC United Kingdom
- Safeguarding bank
- Citibank N.A. United States
- Safeguarding bank
- JPMorgan Chase Bank, N.A. United States
- Safeguarding bank
- Deutsche Bank AG, London Germany
- Safeguarding bank
- Hamburg Commercial Bank Germany
- Safeguarding bank
- Bank of America United States
- Payment schemes and card networks
- Faster Payments Direct bankofengland.co.uk ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
The firm issues e-money and provides payment services to UK customers. Its services cover the Wise account for holding and converting 40+ currencies, international transfers and a debit card. Investment features (Interest and Stocks) come from the sister company Wise Assets UK Ltd.
The firm is the Wise group's UK contracting entity. Customers in the EEA, the US and other regions are served by separate group companies under their own licences.
- Payment volume
- USD 243bncross-border volume
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Rohan Basu Director
- Executive
- Matthew John Briers Director
- Executive
- Jacintha Hamilton-Love Director
- Executive
- Lars Trunin Director
- Executive
- Jane Fahey Company Secretary
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Companies House records that the firm appointed Jacintha Hamilton-Love as a director on 25 September 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Co-founder Kristo Käärmann resigned as a director of the firm on 4 June 2026, according to Companies House.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
A UK scheme of arrangement made Jersey-incorporated Wise Group plc the group's ultimate parent on 8 May 2026, ahead of a Nasdaq primary listing.
ogier.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- TRWIGB2BXXX
- How the BIC breaks down
- TRWIBank
- GBCountry · United Kingdom
- 2BLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800U4GNTXRFYZKG18
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900507
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- dfdf71e3d030
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- wise.com ↗
- Country · region
- United Kingdom · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 2010
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 65 WORSHIP SQUARE, 1F, CLIFTON STREET LONDON EC2A 4JE UNITED KINGDOM
- Operational address
- WORSHIP SQUARE FLOOR 1 65 CLIFTON STREET LONDON LONDON EC2A 4JE UNITED KINGDOM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>TRWIGB2BXXX</BICFI>
<LEI>213800U4GNTXRFYZKG18</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>TRWIGB2BXXX</BICFI>
<LEI>213800U4GNTXRFYZKG18</LEI>
<Nm>WISE PAYMENTS LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>65 WORSHIP SQUARE, 1F, CLIFTON STREET LONDON EC2A 4JE</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: wise.com (official website).
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