United Kingdom · Payments & e-money
Blabla Connect Limited
Swift Payment Technologies Limited is a private limited company registered in England and Wales, formerly named BlaBla Connect Limited. The FCA authorises it as an electronic money institution under the Electronic Money Regulations 2011, with Firm Reference Number 900662. Ragheb Elsergani holds 75% or more of its shares, and the firm's losses are funded by loans from a related party, Sygma Telecommunications FZ-LLC. Under the PassTo brand it offers UK consumers international money transfers and airtime top-ups, and it also runs the BlaBla Connect international calling app.
Licences and registrations
Held by Blabla Connect Limited (LEI 984500906759B5B91E46). 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 InstitutionListed as Swift Payment Technologies LimitedGLEIF legal name: BLABLA CONNECT LIMITED | 900662 | United Kingdom | Active | 2018-04-30 | — |
|
Search the register ↗ |
The register name differs from the legal name in GLEIF. This can follow a rename. Treat the LEI match as indicative.
Trading names on the register: PassTo (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
- BLCCGB22XXX head office
- Connection to Swift
- Reverse billingThe institution is connected to Swift. Messages sent to it are billed to the institution, not to the sender. The “2” in the eighth character of BLCCGB22 marks 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
- 2020-09-05
- Last updated
- 2021-03-18
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Privately held
Firm type
Money remittance
Trades as PassTo
- Standing
- The firm changed its name from BlaBla Connect Limited to Swift Payment Technologies Limited on 19 August 2025. Its accounts for 2025 show no remittance fee income for the year. Its strategic report says it plans to refocus its consumer offering.
- Ownership
- Ragheb Elsergani, a director, holds 75% or more of the shares, and the 2025 accounts name him as the ultimate controlling party.
- Major shareholder
- Ragheb Elsergani
- Head office
- 60 Cannon Street, EC4N 6NP London, United Kingdom (registered office: Suite 631, The Linen Hall, 162-168 Regent Street, London, England, W1B 5TG)
- Company register
- Companies House 08246355
- Incorporated
- 9 Oct 2012
- Former name
- BLABLA CONNECT LIMITED
Online
- Websites & references
- passto.co.uk ↗
app.passto.co.uk ↗ PassTo web app (login and sign-up) - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- Google Play ↗ · App Store ↗
Sources · 12 pages consulted
- find-and-update.company-information.service.gov.uk/company/08246355
- find-and-update.company-information.service.gov.uk/company/08246355/officers
- find-and-update.company-information.service.gov.uk/company/08246355/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/08246355/filing-history
- find-and-update.company-information.service.gov.uk/company/08246355/filing-history/MzU0NzY1NDk1M2FkaXF6a2N4/document?format=pdf&download=0
- passto.co.uk/
- passto.co.uk/terms-and-conditions
- passto.co.uk/security
- passto.co.uk/about-us
- passto.co.uk/contact-us
- apps.apple.com/gb/app/passto-global-money-transfer/id1354449369
- play.google.com/store/apps/details?id=com.blablawallet&hl=en_IN
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 Firm Reference Number 900662.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised E-Money Institution | 900662 | In its own name | Active | passto.co.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 keeps customer funds separate from its own, in safeguarding accounts at UK banks it does not name.
- Payment schemes and card networks
- Faster Payments Access not stated apps.apple.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
Through the PassTo app it sends money from the UK to bank accounts, mobile wallets and cash pick-up points in over 60 countries, including India, Pakistan, Bangladesh, Nigeria and the Philippines.
It serves senders in the UK under its FCA authorisation, and its website says recipients can be paid in over 60 countries.
- Revenue
- GBP 2,986
- Sells to
- Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Ragheb El-Sergani CEO; director
- Executive
- AbdelRahman El-Sergani VP; director
- Executive
- Muhammad El-Sergani COO; director
- Executive
- Manjit Singh Sehmi Director
- Executive
- Nigel John Swift Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm changed its name from BlaBla Connect Limited to Swift Payment Technologies Limited and moved its registered office to Regent Street, London.
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
- BLCCGB22XXX
- How the BIC breaks down
- BLCCBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 984500906759B5B91E46
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900662
- 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
- 0fa033a58c3b
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
- 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
- 26 GROSVENOR STREET LONDON W1K 4QW UNITED KINGDOM
- Operational address
- 26 GROSVENOR STREET LONDON LONDON W1K 4QW 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>BLCCGB22XXX</BICFI>
<LEI>984500906759B5B91E46</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>BLCCGB22XXX</BICFI>
<LEI>984500906759B5B91E46</LEI>
<Nm>BLABLA CONNECT LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>26 GROSVENOR STREET LONDON W1K 4QW</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: passto.co.uk (official website) · original.
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