United Kingdom · Payments & e-money
Bilderlings Pay Limited
Bilderlings Pay Limited is a private limited company incorporated in England in December 2015 and headquartered in London. The Financial Conduct Authority (FCA) authorises it as an electronic money institution under firm reference number 900637. It is a wholly owned subsidiary of Bilderlings Holding SIA of Latvia. Trading as Bilder, a name adopted in 2025, it offers multi-currency accounts, cross-border payments, currency exchange and Mastercard payment cards to businesses, financial institutions and individuals.
Licences and registrations
Held by Bilderlings Pay Limited (LEI 2549003ENO36WUFKQE23). 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 | 900637 | United Kingdom | Active | 2018-05-01 | — |
|
Search the register ↗ |
Trading names on the register: Bilderlings Pay (FCA-EMI), Bilderlings (FCA-EMI), Bilder-Lings (FCA-EMI), BILDER (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.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- BIYSGB23XXX 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 BIYSGB23 directly.
- 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
- Other BIC with this LEI
- BIYSGB2A
- BIC first registered
- 2025-06-07
- Last updated
- 2025-06-07
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
100% Bilderlings Holding SIA
Firm type
E-money and accounts
Trades as Bilder
- Ownership
- The firm states that it is a wholly owned subsidiary of Bilderlings Holding SIA, a Latvian holding company.
- Direct parent
- Bilderlings Holding SIA, Latvia 100%
- Head office
- 13 Regent Street, SW1Y 4LR London, United Kingdom
- Company register
- Companies House 09908958
- Incorporated
- 9 Dec 2015
- Founders
- Jelizaveta Peškova · Aleksandrs Peškovs · Andrejs Kuzins
Online
- Websites & references
- bilderlings.com ↗
help.bilderlings.com ↗ help centre
portal.bilderlings.com ↗ client portal - Official social accounts
- LinkedIn ↗
Sources · 11 pages consulted
- register.fca.org.uk/s/firm?id=001b000003OZnigAAD
- find-and-update.company-information.service.gov.uk/company/09908958
- find-and-update.company-information.service.gov.uk/company/09908958/officers
- bilderlings.com/
- bilderlings.com/about-us
- bilderlings.com/legal-documents/safeguarding.html
- bilderlings.com/annual-strategic-report-2025.html
- bilderlings.com/fintech.html
- bilderlings.com/personal
- bilderlings.com/legal-documents/terms-and-conditions.html
- bilderlings.com/legal-documents/card-supplement-to-the-terms-and-conditions.html
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution, firm reference number 900637. Its crypto and stablecoin services are provided by a US-licensed crypto exchange that it does not name.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900637 | In its own name | Active | register.fca.org.uk ↗ |
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 states that it segregates 100% of relevant funds in designated safeguarding accounts at authorised credit institutions or with custodians, in line with FCA requirements.
- Payment schemes and card networks
- Swift Direct bilderlings.com ↗
SEPA Instant Credit Transfer Direct bilderlings.com ↗
Mastercard Direct bilderlings.com ↗
Faster Payments Access not stated bilderlings.com ↗
CHAPS Access not stated bilderlings.com ↗
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 accounts and payments in EUR, USD, GBP and CNY, virtual IBANs and SEPA access for licensed financial institutions, open banking payments and Mastercard debit cards. Its USDT and USDC services are provided by a US-licensed crypto exchange that it describes as a partner.
The firm says its services are available in the United Kingdom and more than 150 countries. Some of its business plans are limited to companies registered in the UK and the EEA.
- Revenue
- EUR 23.3m
- Sells to
- Small businesses · Enterprises · Financial institutions · Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Jelizaveta Peškova Founder, CEO
- Chair
- Aleksandrs Peškovs Founder, Chair of the Board
- Chief financial officer
- Svetlana Krasovska Director, Chief Financial Officer
- Compliance / MLRO
- Deniss Polakovs Director, Money Laundering Reporting Officer
- Compliance / MLRO
- Kevin Whyte Head of Regulatory and Financial crime Oversight
- Executive
- Dmitrijs Kuvsinovs Executive Officer, Head of Sales and Marketing
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm published its 2025 results, reporting revenue of EUR 23.3 million and safeguarded client funds of EUR 231.3 million.
bilderlings.com ↗ -
Leadership
The firm appointed founder Aleksandrs Peškovs as a director, according to Companies House.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Svetlana Krasovska as a director. The firm names her as its Chief Financial Officer.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Andrejs Zaharovs resigned as a director of the firm, according to Companies House.
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
- BIYSGB23XXX
- How the BIC breaks down
- BIYSBank
- GBCountry · United Kingdom
- 23Location
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 2549003ENO36WUFKQE23
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900637
- 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
- e7611350208e
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)
- bilderlings.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.
Addresses
- Registered address
- 13 REGENT STREET LONDON SW1Y 4LR UNITED KINGDOM
- Operational address
- 13 REGENT STREET LONDON LONDON SW1Y 4LR 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>BIYSGB23XXX</BICFI>
<LEI>2549003ENO36WUFKQE23</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>BIYSGB23XXX</BICFI>
<LEI>2549003ENO36WUFKQE23</LEI>
<Nm>BILDERLINGS PAY LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>13 REGENT STREET LONDON SW1Y 4LR</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
- 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: bilderlings.com (official website) · original.
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