United Kingdom · Payments & e-money
Capital One (Europe) PLC
Capital One (Europe) plc is a public limited company incorporated in England and Wales and based in Nottingham. The FCA authorises it for consumer credit activities and as an authorised payment institution, under firm reference number 204440. It is wholly controlled by Capital One Financial Corporation of the United States, which holds 75% or more of its shares. It issues Capital One-branded Mastercard credit cards to UK consumers, including credit-builder and balance transfer cards, and offers a free credit score service called CreditWise. It traded as Capital One Bank (Europe) plc until November 2010.
Licences and registrations
Held by Capital One (Europe) PLC (LEI 5493000D3IOFMWNUFH38). 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 | 204440 | United Kingdom | Active | 2018-05-29 | — |
|
Search the register ↗ |
Trading names on the register: Luma (FCA-PSD), Capital One (Europe) (FCA-PSD), Capital One (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
- CPNUGB22XXX 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 CPNUGB22 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
- 2023-06-03
- Last updated
- 2023-06-03
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Capital One Financial Corporation
Firm type
Lending or buy now, pay later
Trades as Capital One UK
- Ownership
- Capital One Financial Corporation, a Virginia corporation, has held 75% or more of the shares and voting rights directly since 26 July 2022, according to Companies House.
- Direct parent
- Capital One Financial Corporation ↗, United States
- Head office
- Trent House, Station Street, NG2 3HX Nottingham, United Kingdom
- Company register
- Companies House 03879023
- Incorporated
- 17 Nov 1999
- Former names
- CAPITAL ONE BANK (EUROPE) PLC · CAPITAL ONE FINANCIAL SERVICES PLC · STORMFIELD SYSTEMS LIMITED
Online
- Websites & references
- capitalone.co.uk ↗
jobs.capitalone.co.uk ↗ careers site
creditwise.capitalone.co.uk ↗ CreditWise credit score service
quickcheck.capitalone.co.uk ↗ QuickCheck eligibility checker - Official social accounts
- X ↗ · Facebook ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 10 pages consulted
- find-and-update.company-information.service.gov.uk/company/03879023
- find-and-update.company-information.service.gov.uk/company/03879023/officers
- find-and-update.company-information.service.gov.uk/company/03879023/persons-with-significant-control
- register.fca.org.uk/s/firm?id=001b000000MfJwkAAF
- fca.org.uk/news/warnings/capital-1-europe-trading-and-investing-clone-fca-authorised-firm
- capitalone.co.uk/
- capitalone.co.uk/compliance/legal-information
- capitalone.co.uk/aboutus/our-team
- capitalone.co.uk/aboutus/who-are-capital-one
- capitalone.co.uk/creditcards/quotation-ts-and-cs
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm under reference number 204440 and lists it as authorised since 1 December 2001. The FCA also authorises it as an authorised payment institution under the Payment Services Regulations, a status registered since 29 May 2018.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised firm (consumer credit and other regulated activities) | 204440 | In its own name | Active | register.fca.org.uk ↗ |
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 204440 | 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
- Payment schemes and card networks
- Mastercard Access not stated capitalone.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
It issues Mastercard credit cards to UK consumers, mainly credit-builder cards for people with limited or impaired credit histories and balance transfer cards, and runs the free CreditWise credit score service.
It serves consumers resident in the United Kingdom.
- Sells to
- Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Austin Bingham Chief Executive Officer
- Executive
- Lisa Walker Chief Counsel; director and company secretary
- Executive
- Paul Brown Chief Commercial Officer
- Executive
- Simon Lister Chief Business Officer
- Executive
- Paul Stanyon Head of Risk & Fraud Strategy
- Executive
- Lucy Marie Hagues Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed Austin Bingham as a director on 24 September 2025. He now leads the UK business as Chief Executive Officer.
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.
Regulator warnings
Researched 29 Sep 2026 · Sources
-
Impersonation Financial Conduct Authority, United Kingdom
The FCA warned that a clone firm calling itself Capital 1 Europe Trading and Investing was using the firm's details. The FCA states that the genuine firm has no connection with the clone.
fca.org.uk ↗
Entries on regulators’ consumer-warning lists that name the firm or its brand. An impersonation warning is about fraudsters posing as the firm, not about the firm itself.
Identifiers
Head-office record
- BIC
- CPNUGB22XXX
- How the BIC breaks down
- CPNUBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 5493000D3IOFMWNUFH38
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 204440
- 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
- a901dac148a7
- Companies House no.
- 03879023 ↗
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
- Website (register)
- www.capitalone.co.uk ↗
- 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
- Ultimate parent
- Capital One Financial Corporation · United StatesZUE8T73ROZOF6FLBAR73 ↗
The Capital One Financial Corporation group has 2 institutions in the directory, in 2 countries: all hold a BIC.
Including Capital One, N.A..
See the Capital One Financial Corporation group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Persons with significant control
Companies House · company 03879023 ↗ · as at 9 October 2026
Companies House lists 1 person with significant control for Capital One (Europe) PLC: 1 company.
| Name | Type | Nature of control | Notified |
|---|---|---|---|
| Capital One Financial Corporation | Company · United States | 75–100% of shares · 75–100% of votes · Can appoint or remove directors | 26 July 2022 |
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 ↗Addresses
- Registered address
- TRENT HOUSE STATION STREET NOTTINGHAM NG2 3HX UNITED KINGDOM
- Operational address
- TRENT HOUSE STATION STREET NOTTINGHAM NOTTINGHAM NG2 3HX 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>CPNUGB22XXX</BICFI>
<LEI>5493000D3IOFMWNUFH38</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>CPNUGB22XXX</BICFI>
<LEI>5493000D3IOFMWNUFH38</LEI>
<Nm>CAPITAL ONE (EUROPE) PLC</Nm>
<PstlAdr>
<TwnNm>NOTTINGHAM</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>TRENT HOUSE STATION STREET NOTTINGHAM NG2 3HX</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.
Claim this profile
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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.
- Persons with significant control—Companies House · source ↗ 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.
Assess the financial crime risk behind a BIC
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