United Kingdom · Payments & e-money
Ebury Mass Payments Limited
Ebury Mass Payments Limited is a private limited company registered in England and Wales. The Financial Conduct Authority (FCA) authorises it as a payment institution under the Payment Services Regulations 2017 (Firm Reference Number 577057). Ebury Mass Payments Holdco Limited owns all of its shares, and it names Banco Santander, S.A. as its ultimate controlling party. It provides high-volume cross-border payments and FX, mainly for payroll, pension and insurance payments, to large multinational and publicly traded companies. It was called FrontierPay Limited until May 2020. Its board approved a plan to wind it down on 9 December 2025.
Licences and registrations
Held by Ebury Mass Payments Limited (LEI 21380049QLRWWUS8N676). 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 | 577057 | United Kingdom | Active | 2018-02-26 | — |
|
Search the register ↗ |
Trading names on the register: Global Corporate Payments (FCA-PSD), Ebury (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.
Other register entries with this LEI
Shown for reference: they share the LEI but are not merged into this page
Regulatory status
FSB · global systemically important banks
2025 list
- G-SIB
- Santander
- Relation
- In a G-SIB groupGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
- Bucket
- 1 of 5 · extra capital buffer 1.0% of risk-weighted assets
- On the list since
- 2011
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- EBMAGB2LXXX 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 EBMAGB2L 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
- FROTGB2L
- BIC first registered
- 2024-04-10
- Last updated
- 2026-03-07
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
100% Ebury Mass Payments Holdco Limited
Firm type
FX and business payments
Trades as Ebury
- Standing
- On 9 December 2025 the board approved a plan to wind down the company and cease operations in an orderly way. According to its accounts for the year to 30 April 2026, it has submitted a formal wind-down notice to the FCA and intends to apply to cancel its payment institution authorisation. Trading is expected to end by December 2026, with its business transferring to a fellow Ebury group company.
- Ownership
- Ebury Mass Payments Holdco Limited owns all of the firm's shares. The firm names Banco Santander, S.A. as its ultimate controlling party, based on Santander's 61.60% interest in the shareholder of its immediate parent.
- Direct parent
- Ebury Mass Payments Holdco Limited ↗, United Kingdom 100%
- Ultimate owner
- Banco Santander, S.A., Spain
- Head office
- Fourth Floor, 80-100 Victoria Street, Cardinal Place, SW1E 5JL London, United Kingdom
- Company register
- Companies House 07061945
- Incorporated
- 30 Oct 2009
- Former names
- FRONTIERPAY LIMITED · THE FX FIRM LIMITED
Online
- Websites & references
- ebury.com ↗
- Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- App
- App Store ↗
Sources · 10 pages consulted
- find-and-update.company-information.service.gov.uk/company/07061945
- find-and-update.company-information.service.gov.uk/company/07061945/officers
- find-and-update.company-information.service.gov.uk/company/07061945/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/07061945/filing-history
- find-and-update.company-information.service.gov.uk/company/07061945/filing-history/MzU0MDUxNDAxN2FkaXF6a2N4/document?format=pdf&download=0
- ebury.com/group-legal-entities
- ebury.com/products/business-accounts/mass-payments
- ebury.com/en/legal
- lei.bloomberg.com/leis/view/21380049QLRWWUS8N676
- lei.bloomberg.com/leis/view/213800ZAU6YC3YT1IK21
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, with Firm Reference Number 577057. According to its 2026 accounts, it intends to apply to cancel this authorisation as part of its wind-down.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 577057 | In its own name | Active | ebury.com ↗ |
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 safeguards client funds in segregated client money accounts at Barclays Bank PLC and that these are externally audited.
- Safeguarding bank
- Barclays Bank PLC United Kingdom
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 makes bulk cross-border payroll, pension, insurance and expense payments through file uploads and an online platform. Its accounts report payments in 91 currencies to 170 countries in the year to 30 April 2026.
It serves corporate clients from the United Kingdom under its FCA authorisation and pays out to about 170 countries.
- Revenue
- GBP 14.6m
- Sells to
- Enterprises · Financial institutions
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Juan Manuel Fernandez Lobato Director
- Executive
- Karan Ghuwalewala Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The board approved a plan to wind down the firm and cease operations, transferring its business to a fellow group company.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Sam Alexander Bennett resigned as a director on 26 September 2025.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Karan Ghuwalewala as a director on 15 August 2025.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Owain Walters resigned as a director on 25 July 2025, after serving as a director since the firm's incorporation in 2009.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Jose Garcia Esteban resigned as a director on 4 October 2024.
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
- EBMAGB2LXXX
- How the BIC breaks down
- EBMABank
- GBCountry · United Kingdom
- 2LLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 21380049QLRWWUS8N676
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 577057
- 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
- 56ac9671123f
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.ebury.com ↗
- Country · region
- United Kingdom · Europe & Central Asia
- FSB G-SIB list
- In a G-SIB group · Santander list of 2025
- 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
- Ebury Partners Limited · United Kingdom213800HUGB31PIZSSY46 ↗
- Ultimate parent
- Banco Santander S.A. · Spain5493006QMFDDMYWIAM13 ↗
- FSB G-SIB list
- In a G-SIB group · Santander bucket 1 · 2025 listGLEIF records a G-SIB entity as this legal entity’s ultimate parent. The bucket applies to the group, and membership does not make this entity a bank.
The Banco Santander S.A. group has 97 institutions in the directory, in 36 countries: 88 hold a BIC and 9 do not.
Including Banco Santander S.A, Banco Santander Totta, SA, Banco Santander S.A, Banco Santander S.A, Banco Santander S.A. (France).
See the Banco Santander S.A. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 80-100 VICTORIA STREET CARDINAL PLACE FLOOR 4 LONDON SW1E 5JL UNITED KINGDOM
- Operational address
- 80-100 VICTORIA STREET CARDINAL PLACE FLOOR 4 LONDON LONDON SW1E 5JL 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>EBMAGB2LXXX</BICFI>
<LEI>21380049QLRWWUS8N676</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>EBMAGB2LXXX</BICFI>
<LEI>21380049QLRWWUS8N676</LEI>
<Nm>EBURY MASS PAYMENTS LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>80-100 VICTORIA STREET CARDINAL PLACE FLOOR 4 LONDON SW1E 5JL</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 - 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: ebury.com (official website).
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