---
title: "Agpaytech LTD SWIFT/BIC code AGPYGB22XXX · United Kingdom | Elucidate"
description: "Licensed in the United Kingdom: Authorised Payment Institution (FCA). SWIFT/BIC code AGPYGB22XXX for Agpaytech LTD, United Kingdom. Head-office BIC."
url: https://elucidate.co/directory/agpaytech-ltd-agpygb22
---
1. [Directory](https://elucidate.co/directory)
2. [United Kingdom](https://elucidate.co/directory/country/gb)
3. Agpaytech LTD
United Kingdom · Payments & e-money
# Agpaytech LTD
Legal name in the LEI record AGPAYTECH LTD.
AGPAYTECH LTD. is a private limited company incorporated in England and Wales in 2012 and based in London. The FCA authorises it as an Authorised Payment Institution under firm reference number 585091. According to Companies House, Richard Amoah holds 75% or more of its shares and voting rights. Under the ATL Money Transfer brand it sends consumer remittances, mainly to Africa, and it also offers payment services and white-label remittance platforms to businesses.
Register status
Licensed in the United Kingdom
Authorised Payment Institution · FCA
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/agpaytech-ltd-agpygb22#licences)
BIC **AGPYGB22XXX** LEI **[98450000B02D137A7292](https://search.gleif.org/#/record/98450000B02D137A7292)** [Licence no. **585091**](https://elucidate.co/directory/agpaytech-ltd-agpygb22#licences) Reverse billing Head-office BIC only [Claim this profile](https://elucidate.co/directory/agpaytech-ltd-agpygb22#claim)
## Licences and registrations
Held by Agpaytech Ltd. (LEI 98450000B02D137A7292). 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 - Payment Institutions & RAISPs](https://elucidate.co/directory/register/fca-psd) FCA Linked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 585091 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2018-04-26 | — | - Payment services | [Search the register ↗](https://register.fca.org.uk/s/) |
Trading names on the register: ATLFx (FCA-PSD), ATL Money (FCA-PSD), Afrikash.com (FCA-PSD), AfriKash (FCA-PSD)
- 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.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** AGPYGB22XXX head office
- **Connection to Swift:** Reverse billing
- **Swift GPI:** Not on the member list
- **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:** 2019-12-07
- **Last updated:** 2023-08-01
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/agpaytech-ltd-agpygb22#overview-sources)
Customers
Not published
Employees
Not published
Ownership
Privately held
Firm type
Money remittance
Trades as ATL Money Transfer
- **Standing:** According to the ATL Money Transfer website, Agpaytech has temporarily stopped onboarding new customers and accepting new funds from payment service users. It says this is part of a voluntary undertaking with the FCA. No start date was published in the sources reviewed.
- **Ownership:** Companies House records Richard Amoah as the sole person with significant control, holding 75% or more of the shares and voting rights.
- **Major shareholder:** Richard Amoah
- **Head office:** 3rd Floor, 86-90 Paul Street, EC2A 4NE London, United Kingdom
- **Company register:** Companies House 07952651
- **Incorporated:** 16 Feb 2012
- **Former name:** ATLANTIQUE FINANCIAL SERVICES LIMITED
### Online
- **Websites & references:** [agpaytech.com ↗](https://www.agpaytech.com/) [atlmoneytransfer.com ↗](https://www.atlmoneytransfer.com/) ATL Money Transfer consumer remittance site [agpaytech.co.uk ↗](https://www.agpaytech.co.uk/) business services site
- **Official social accounts:** None found
Sources · 10 pages consulted
1. [find-and-update.company-information.service.gov.uk/company/07952651](https://find-and-update.company-information.service.gov.uk/company/07952651)
2. [find-and-update.company-information.service.gov.uk/company/07952651/officers](https://find-and-update.company-information.service.gov.uk/company/07952651/officers)
3. [find-and-update.company-information.service.gov.uk/company/07952651/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/07952651/persons-with-significant-control)
4. [find-and-update.company-information.service.gov.uk/company/07952651/filing-history](https://find-and-update.company-information.service.gov.uk/company/07952651/filing-history)
5. [register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7](https://register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7)
6. [psr.org.uk/media/gsxk2v21/fps-participants-list-june-2024.pdf](https://www.psr.org.uk/media/gsxk2v21/fps-participants-list-june-2024.pdf)
7. [agpaytech.com/](https://www.agpaytech.com/)
8. [atlmoneytransfer.com/](https://www.atlmoneytransfer.com/)
9. [agpaytech.co.uk/about](https://www.agpaytech.co.uk/about)
10. [infinitcard.com/pages/business-partner-details/3495935860](https://www.infinitcard.com/pages/business-partner-details/3495935860)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/agpaytech-ltd-agpygb22#overview-sources)
- **Operates under:** Its own licences
The FCA authorises the firm as an Authorised Payment Institution under the Payment Services Regulations, firm reference number 585091. The firm says it has agreed with the FCA to pause onboarding new customers and accepting new funds.
| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 585091 | In its own name | Active | — |
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](https://elucidate.co/directory/agpaytech-ltd-agpygb22#overview-sources)
- **Payment schemes and card networks:** Faster Payments Access not stated [psr.org.uk ↗](https://www.psr.org.uk/media/gsxk2v21/fps-participants-list-june-2024.pdf)
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](https://elucidate.co/directory/agpaytech-ltd-agpygb22#overview-sources)
- International money transfer
- Cash pick-up
- Mobile top-up
- Payment gateway
Under the ATL Money Transfer brand it sends money from the UK to Africa and Europe by bank transfer, cash pickup and mobile wallet top-up. For businesses it offers payment services, white-label remittance platforms and what it calls a regulatory umbrella.
It serves senders from the UK under its FCA authorisation, and its transfers pay out mainly in West and Central Africa.
- **Sells to:** Consumers · Small businesses · Platforms and marketplaces
- **Serves customers in:** United Kingdom
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/agpaytech-ltd-agpygb22#overview-sources)
- **Executive:** Abdoul Aziz Sylla Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/07952651/officers)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/agpaytech-ltd-agpygb22#overview-sources)
1. Oct 2024
Leadership
Richard Amoah resigned as a director of the firm on 10 October 2024. He remains its person with significant control.
[find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/07952651/filing-history)
2. Mar 2024
Leadership
The firm appointed Abdoul Aziz Sylla as a director on 18 March 2024.
[find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/07952651/filing-history)
3. Oct 2023
Leadership
Directors Dhruv Patel and Maria Oluwarantimi Fearon resigned from the board on 2 October 2023.
[find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/07952651/filing-history)
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:** AGPYGB22XXX
- **How the BIC breaks down:** 1. AGPY Bank 2. GB Country · United Kingdom 3. 22 Location · reverse billing 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 98450000B02D137A7292
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/98450000B02D137A7292)
- **Licence no. · FCA-PSD:** 585091
- **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:** 60d852f9b22f
- **Companies House no.:** [07952651 ↗](https://find-and-update.company-information.service.gov.uk/company/07952651)
## Profile
- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/agpaytech-ltd-agpygb22#licences)
- **Activities:** - Payment services
- **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb)
- **Website (register):** [www.agpaytech.com ↗](https://www.agpaytech.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
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.
## Persons with significant control
Companies House · company [07952651 ↗](https://find-and-update.company-information.service.gov.uk/company/07952651) · as at 9 October 2026
Companies House lists 1 person with significant control for Agpaytech Ltd.: 1 individual.
| Name | Type | Nature of control | Notified |
| --- | --- | --- | --- |
| Richard Amoah | Individual | 75–100% of shares · 75–100% of votes · Can appoint or remove directors · Can appoint or remove directors as a trustee · Can appoint or remove directors as a firm member · Significant influence or control · Significant influence or control as a trustee · Significant influence or control as a firm member | 6 April 2016 |
Companies report persons with significant control to Companies House. Elucidate has not verified them.
A person with significant control holds more than 25% of the shares or votes, can appoint or remove the board, or has significant influence or control. Dates of birth and addresses are not shown.
Matched on the Companies House number that the FCA register gives for this firm.
[See the register at Companies House ↗](https://find-and-update.company-information.service.gov.uk/company/07952651/persons-with-significant-control)
## Addresses
- **Registered address:** 86-90 PAUL STREET FLOOR 3RD LONDON EC2A 4NE UNITED KINGDOM
- **Operational address:** 86-90 PAUL STREET FLOOR 3RD LONDON LONDON EC2A 4NE 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
```xml
AGPYGB22XXX
98450000B02D137A7292
```
### 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
```xml
AGPYGB22XXX
98450000B02D137A7292
AGPAYTECH LTD
LONDON
GB
86-90 PAUL STREET FLOOR 3RD LONDON EC2A 4NE
```
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.
## Related institutions
### Other payments & e-money institutions in the United Kingdom
- [Stonex Financial LTD BIC IGLUGB2L Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 446717 (FCA-PSD) · also on FINTRAC-MSB · LEI 549300AWF3TOHRYL7754](https://elucidate.co/directory/stonex-financial-ltd-iglugb2l)
- [Dex International Limited · trading as DEXREMIT No BIC Payments & e-money Crypto Money service business Prudential licence United Kingdom · Licensed by FCA · 503929 (FCA-PSD) · also on HMRC-MLR, FINTRAC-MSB · LEI 9845003995D06S994R04](https://elucidate.co/directory/dex-international-limited-ff2b0c01c725)
- [Euronet Payment Services Ltd · trading as Ria Money Transfer, Ria No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 504630 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/euronet-payment-services-ltd-6f4dec33a392)
- [Instinet Europe Limited BIC ISNTGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 140822 (FCA-PSD) · LEI 213800MXAKR2LA1VBM44](https://elucidate.co/directory/instinet-europe-limited-isntgb2l)
- [Isx Financial UK LTD BIC ISFIGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 901034 (FCA-EMI) · LEI 2138007BDV9IRS8AYD07](https://elucidate.co/directory/isx-financial-uk-ltd-isfigb22)
- [Western Union Payment Services GB Limited · trading as Manning House, WU No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 816890 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/western-union-payment-services-gb-limited-0741de977896)
- [A to Z 4U Ltd · trading as SAAK REMIT, Saakpay No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 570837 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/a-to-z-4u-ltd-25c2ca0fa3b5)
- [Allied Wallet Limited No BIC Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900124 (FCA-EMI) · also on FCA-PSD · LEI 213800HO66BDXP716G24](https://elucidate.co/directory/allied-wallet-limited-8983cc2e32eb)
[See all →](https://elucidate.co/directory/search?type=payments&cc=GB)
Claim this profile
## Work at Agpaytech LTD?
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3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.
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 →](https://elucidate.co/directory/methodology)
Credits for this page
- **FCA Financial Services Register - Payment Institutions & RAISPs**—Financial Conduct Authority (FCA) · [register ↗](https://register.fca.org.uk/s/) as at 25 September 2026
- **Persons with significant control**—Companies House · [source ↗](https://download.companieshouse.gov.uk/en_pscdata.html) as at 9 October 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.
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.