United Kingdom · Payments & e-money
Bibby Foreign Exchange Limited
Bibby Foreign Exchange Limited is a private limited company incorporated in England and Wales, with its registered office in Liverpool. The FCA authorises it as an authorised payment institution under reference 671893. It is wholly owned by Bibby Financial Services (Fx) Limited, which belongs to Bibby Financial Services and the Bibby Line Group. Under the name Bibby FX, it offers businesses spot and forward foreign exchange contracts and international payments, on their own or alongside the group's invoice finance.
Licences and registrations
Held by Bibby Foreign Exchange Limited (LEI 213800DSLFNRYQXCJB22). 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 & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 671893 | United Kingdom | Active | 2018-05-02 | — |
|
Search the register ↗ |
- 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
- BIFXGB21XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of BIFXGB21 marks a passive participant.
- 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
- 2018-11-03
- Last updated
- 2018-11-03
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
100% Bibby Financial Services (Fx) Limited
Firm type
FX and business payments
Trades as Bibby FX
- Ownership
- Bibby Financial Services (Fx) Limited (Companies House 09343375) owns 100% of the firm, and Bibby Financial Services Limited heads the smallest group that consolidates it within the Bibby Line Group.
- Direct parent
- Bibby Financial Services (Fx) Limited, United Kingdom 100%
- Ultimate owner
- Bibby Line Group Limited, United Kingdom
- Head office
- Academy Place, 1-9 Brook Street, CM14 5NQ Brentwood, United Kingdom (registered office: 3rd Floor Walker House, Exchange Flags, Liverpool, L2 3YL, United Kingdom)
- Company register
- Companies House 09353026
- Incorporated
- 12 Dec 2014
Online
- Websites & references
- bibbyfinancialservices.com ↗
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗
Sources · 11 pages consulted
- find-and-update.company-information.service.gov.uk/company/09353026
- find-and-update.company-information.service.gov.uk/company/09353026/filing-history
- find-and-update.company-information.service.gov.uk/company/09353026/officers
- find-and-update.company-information.service.gov.uk/company/09353026/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/09353026/filing-history/MzU0NDQ3MzI5MGFkaXF6a2N4/document?format=pdf&download=0
- fsc.gi/regulated-entity/bibby-foreign-exchange-limited-22263?print=
- fca.org.uk/publication/foi/foi5424-information-provided.pdf
- bibbyfinancialservices.com/assets/documents/bltcaabb0e00358b2d2/blt2fda8b0b3960bf48/BFX-TCs-for-BFS-Clients.pdf?la=e
- bibbyfinancialservices.com/foreign-exchange
- bibbyfinancialservices.com/news/bibby-financial-services-targets-sme-growth-with-support-from-hsbc-uk
- en.wikipedia.org/wiki/Bibby_Financial_Services
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017, reference 671893. It provides its foreign exchange and payment services under this authorisation.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 671893 | In its own name | Active | bibbyfinancialservices.com ↗ |
| Gibraltar Financial Services Commission Gibraltar | Payment Services Directive: incoming services from the United Kingdom | — | In its own name | Active | fsc.gi ↗ |
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 accountsAccording to its terms, the firm pools client funds in a designated client account at an FCA-authorised bank, kept apart from its own funds. The terms do not name the bank.
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
It offers businesses spot currency conversion, forward contracts and same-day international payments through a dealer or an online portal. According to its terms, services are for business use only.
It serves business customers in the United Kingdom. The Gibraltar Financial Services Commission register also lists it with incoming payment services permissions from the United Kingdom.
- Revenue
- GBP 3.43m
- Sells to
- Small businesses · Enterprises
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Theovinder Singh Chatha Director (Chief Financial Officer, Bibby Financial Services)
- Executive
- Ian Stuart Ramsden Director
- Executive
- Niels Gooch Head of Sales - FX
- Executive
- Toby Weston Head of Trading
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Michael Damian McGowan stepped down as a director of the firm on 30 June 2026, after serving since its incorporation in 2014.
find-and-update.company-information.service.gov.uk ↗
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
- BIFXGB21XXX
- How the BIC breaks down
- BIFXBank
- GBCountry · United Kingdom
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800DSLFNRYQXCJB22
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 671893
- 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
- 6f85ed986479
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
- Licensed in
- United Kingdom
- 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
- Direct parent
- Bibby Financial Services Limited · United Kingdom213800XD81JIIVGC6X08 ↗
- Ultimate parent
- Bibby Line Group Limited · United Kingdom984500F1FA10D48F8657 ↗
The Bibby Line Group Limited group has 4 institutions in the directory, in 2 countries: all hold a BIC.
Including Bibby Factor France, Bibby Financial Services Limited, Bibby Financial Services Limited.
See the Bibby Line Group Limited group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 105 DUKE STREET LIVERPOOL L1 5JQ UNITED KINGDOM
- Operational address
- 105 DUKE STREET LIVERPOOL LIVERPOOL L1 5JQ 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+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>BIFXGB21XXX</BICFI>
<LEI>213800DSLFNRYQXCJB22</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>BIFXGB21XXX</BICFI>
<LEI>213800DSLFNRYQXCJB22</LEI>
<Nm>BIBBY FOREIGN EXCHANGE LIMITED</Nm>
<PstlAdr>
<TwnNm>LIVERPOOL</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>105 DUKE STREET LIVERPOOL L1 5JQ</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
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
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- 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: bibbyfinancialservices.com (official website) · original.
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