United Kingdom · Payments & e-money
Digital Completion UK LTD.
Trading asPEXA UK · PEXA
Digital Completion UK Ltd is a private limited company registered in England and Wales, with its office in Leeds. It trades as PEXA. The Financial Conduct Authority (FCA) authorises it as a payment institution, and HM Revenue & Customs (HMRC) supervises it as a money service business under the Money Laundering Regulations. DigCom UK Holdings Limited owns the firm directly and is wholly owned by PEXA Group Limited, which is listed on the Australian Securities Exchange (ASX). The firm runs a digital platform through which lenders and conveyancers in England and Wales complete property transactions. The platform settles the money and lodges the title registration. It launched remortgage completions in 2022 and received FCA authorisation in April 2025, which allowed it to extend the service to sale and purchase transactions.
Licences and registrations
Held by Digital Completion UK LTD. (LEI 894500DU3LOU620L8495). 2 entries on 2 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 & RAISPsFCA | Authorised Payment InstitutionPayment Institution | 1013734 | United Kingdom | Active | 2025-04-30 | — |
|
Search the register ↗ |
| HMRC MLR Supervised Business RegisterHMRC | Money Service BusinessMoney Transmitter / Remittance | XMML00000199000 | United Kingdom | Active | 2025-04-25 | — |
|
Search the register ↗ |
Trading names on the register: PEXA UK (FCA-PSD, HMRC-MLR), PEXA (FCA-PSD, HMRC-MLR)
- 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.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
DigCom UK Holdings Limited
Firm type
Payment infrastructure
Trades as PEXA
- Ownership
- DigCom UK Holdings Limited owns the firm directly and is itself a wholly owned subsidiary of PEXA Group Limited (ASX: PXA) of Australia.
- Direct parent
- DigCom UK Holdings Limited, United Kingdom
- Ultimate owner
- PEXA Group Limited, Australia
- Head office
- Suite 5a, West Village, 114 Wellington Street, LS1 1BA Leeds, United Kingdom
- Company register
- Companies House 12830944
- Incorporated
- 21 Aug 2020
Online
- Websites & references
- pexa.co.uk ↗
developer.pexa.co.uk ↗ developer and API documentation
help.pexa.co.uk ↗ help centre
app.pexauk.co.uk ↗ platform sign-in - Official social accounts
- LinkedIn ↗ · Facebook ↗ · YouTube ↗
Sources · 13 pages consulted
- find-and-update.company-information.service.gov.uk/company/12830944
- find-and-update.company-information.service.gov.uk/company/12830944/officers
- pexa.co.uk
- pexa.co.uk/about/pexa-uk-team/
- pexa.co.uk/company-news/
- pexa.co.uk/authentication-policy/
- pexa.co.uk/solutions/pexa-pay/
- pexa.co.uk/company-news/pexa-uk-announces-change-in-leadership-structure-for-next-phase-of-uk-growth
- pexa.co.uk/company-news/pexa-hits-critical-uk-milestone-with-fca-approval-ahead-of-sale-and-purchase
- pexa-group.com/content-hub/news/natwest-goes-live-with-pexa/
- pexa-group.com/content-hub/news/pexa-receives-formal-commitment-from-leading-uk-bank-natwest-for-impleme
- pexa.co.uk/company-news/mastercard-and-pexa-partner-to-explore-synchronised-settlement-to-create-gre
- bankofengland.co.uk/payments/access-to-uk-payment-systems-for-non-bank-payment-service-providers
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as a payment institution under the Payment Services Regulations 2017 (Financial Services Register Number 1013734). HMRC supervises it as a money service business under the Money Laundering Regulations (registration XMML00000199000).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 1013734 | In its own name | Active | — |
| HM Revenue & Customs United Kingdom | Money Service Business (Money Transmitter / Remittance) registration under the Money Laundering Regulations | XMML00000199000 | 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
- Safeguarding
- Segregated safeguarding accountsThe firm states that non-lender money in a transaction is held in an FCA-regulated safeguarding account. It does not name the bank that holds that account.
- Payment schemes and card networks
- PEXA Pay (settlement in Bank of England RTGS) Access not stated bankofengland.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
The firm runs PEXA Pay, which it describes as a payment scheme for lender funds that settles through the Bank of England's RTGS system. PEXA Pay works alongside a safeguarding account for non-lender money, and the firm also acts as a third-party managed account provider to conveyancers.
The firm serves mortgage lenders and conveyancers in England and Wales.
- Sells to
- Financial institutions · Other
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Krystle Kocik Co-Chief Executive Officer
- Chief executive
- Simon Wright Co-Chief Executive Officer
- Chair
- John Hooper Independent Chair
- Chief financial officer
- Noelle Doherty Chief Financial Officer, UK
- Executive
- Parisha Kanani General Counsel and Company Secretary, UK
- Executive
- Russell Cohen Director (Chief Executive Officer and Group Managing Director, PEXA Group)
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm announced a partnership with Mastercard to test synchronised settlement for property purchases through Mastercard's account-to-account sandbox.
pexa.co.uk ↗ -
Leadership
Krystle Kocik and Simon Wright became Co-Chief Executive Officers on 1 July 2026, after Joe Pepper left on 30 June 2026.
pexa.co.uk ↗ -
Leadership
Five directors resigned on 16 April 2026 and Russell Cohen was appointed a director on 20 April 2026.
find-and-update.company-information.service.gov.uk ↗ -
Other
NatWest went live on the firm's platform for fee-assisted remortgage completions and plans to add sale and purchase transactions later.
pexa-group.com ↗ -
Other
The firm and National Westminster Bank Plc formally committed to an implementation programme for remortgage and sale and purchase transactions.
pexa-group.com ↗ -
Licence
The FCA authorised the firm as a payment institution, allowing it to act as a third-party managed account provider for conveyancers.
pexa.co.uk ↗ -
Leadership
Glenn King resigned as a director of the firm on 28 February 2025.
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
- Licence no. · FCA-PSD
- 1013734
- Licence no. · HMRC-MLR
- XMML00000199000
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate on the UK company number the register gives
- Elucidate firm ID
- d9f7f2ada805
Profile
- Type
- Payments & e-money · Money service businessPayment 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.
- Main licence class
- Payment Institution
- Activities
- Money remittance
- Payment services
- Licensed in
- United Kingdom · Europe & Central Asia
- First registered
- 2025-04-25
- Website
- www.pexa.co.uk ↗
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
- Address on the register
- Suite 5a, West Village, 114 Wellington Street, Leeds, LS1 1BA
- Country
- United Kingdom
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<LEI>894500DU3LOU620L8495</LEI>
<Nm>DIGITAL COMPLETION UK LTD.</Nm>
<PstlAdr>
<PstCd>LS1 1BA</PstCd>
<TwnNm>Leeds</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>Suite 5a, West Village</AdrLine>
<AdrLine>114 Wellington Street</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
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 →Registers for this page
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · source ↗ as at 25 September 2026
- HMRC MLR Supervised Business Register—HM Revenue & Customs (HMRC) · source ↗ as at 24 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.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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