--- title: "Enfuce UK Ltd · Authorised E-Money Institution (FCA) · United Kingdom | Elucidate" description: "Enfuce UK Ltd is authorised by FCA as an authorised e-money institution in the United Kingdom. Licence 993783. LEI 213800G4ANXOVQM1BN74. Register status, licences, activities and ownership." url: https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801 --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Enfuce UK Ltd United Kingdom · Payments & e-money # Enfuce UK Ltd Trading as Enfuce Enfuce UK Ltd is a private limited company registered in England and Wales, with offices in London. The FCA has authorised it as an electronic money institution since 26 February 2024, under firm reference number 993783. It is a wholly owned subsidiary of Enfuce Financial Services Oy of Finland. According to its accounts, it acts as card issuer and BIN sponsor for prepaid, debit and credit card programmes of fintechs, financial institutions and corporate clients. Programme partners distribute the cards to cardholders. Register status Licensed in the United Kingdom Authorised E-Money Institution · FCA Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801#licences) BIC **No BIC** LEI **[213800G4ANXOVQM1BN74](https://search.gleif.org/#/record/213800G4ANXOVQM1BN74)** [Licence no. **993783**](https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801#licences) [Group: Enfuce Financial Services Oy](https://elucidate.co/directory/group/7437005L23SW64SA2V69) ## Licences and registrations Held by Enfuce UK Ltd (LEI 213800G4ANXOVQM1BN74). 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 Institutions](https://elucidate.co/directory/register/fca-emi) FCA | Authorised E-Money InstitutionE-Money / Stored Value Institution | 993783 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2024-02-26 | — | - Payment services - E-money / stored value | [Search the register ↗](https://register.fca.org.uk/s/) | Trading names on the register: Enfuce (FCA-EMI) - 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](https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801#overview-sources) Customers Not published Employees 34 headcount · This entity · 31 Dec 2025 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/13978639/filing-history/MzUwODQxODQyN2FkaXF6a2N4/document?format=pdf&download=0) Ownership Group subsidiary 100% Enfuce Financial Services Oy Firm type Banking as a service Trades as Enfuce - **Ownership:** Enfuce Financial Services Oy of Finland owns 100% of the firm, which its 2025 accounts describe as a wholly owned subsidiary. - **Direct parent:** [Enfuce Financial Services Oy ↗](https://search.gleif.org/#/record/7437005L23SW64SA2V69), Finland 100% - **Head office:** 90 High Holborn, WC1V 6LJ London, United Kingdom (registered office: 1 Chapel Street, Warwick, Warwickshire, CV34 4HL, United Kingdom) - **Company register:** Companies House 13978639 - **Incorporated:** 15 Mar 2022 - **Founders:** Denise Johansson · Monika Liikamaa · Niklas Apellund ### Online - **Websites & references:** [enfuce.com ↗](https://enfuce.com/) [docs.enfuce.com ↗](https://docs.enfuce.com/) developer documentation - **Official social accounts:** [LinkedIn ↗](https://fi.linkedin.com/company/enfuce) · [X ↗](https://x.com/enfuce) · [Instagram ↗](https://www.instagram.com/_enfuce_/?hl=en) Sources · 16 pages consulted 1. [find-and-update.company-information.service.gov.uk/company/13978639](https://find-and-update.company-information.service.gov.uk/company/13978639) 2. [find-and-update.company-information.service.gov.uk/company/13978639/officers](https://find-and-update.company-information.service.gov.uk/company/13978639/officers) 3. [find-and-update.company-information.service.gov.uk/company/13978639/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/13978639/persons-with-significant-control) 4. [find-and-update.company-information.service.gov.uk/company/13978639/filing-history](https://find-and-update.company-information.service.gov.uk/company/13978639/filing-history) 5. [find-and-update.company-information.service.gov.uk/company/13978639/filing-history/MzUwODQxODQyN2FkaXF6a2N4/document?format=pdf&download=0](https://find-and-update.company-information.service.gov.uk/company/13978639/filing-history/MzUwODQxODQyN2FkaXF6a2N4/document?format=pdf&download=0) 6. [register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CWmx](https://register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CWmx) 7. [enfuce.com](https://enfuce.com/) 8. [enfuce.com/uk-cardholders](https://enfuce.com/uk-cardholders) 9. [enfuce.com/platform/licensing](https://enfuce.com/platform/licensing) 10. [enfuce.com/who-we-are](https://enfuce.com/who-we-are) 11. [enfuce.com/who-we-are/newsroom/enfuce-receives-e-money-licence-to-boost-uk-expansion](https://enfuce.com/who-we-are/newsroom/enfuce-receives-e-money-licence-to-boost-uk-expansion) 12. [enfuce.com/who-we-are/newsroom/denise-johansson-takes-the-reins-as-sole-ceo-of-enfuce-as-company-is-](https://enfuce.com/who-we-are/newsroom/denise-johansson-takes-the-reins-as-sole-ceo-of-enfuce-as-company-is-on-track-to-10x-revenue-by-2030) 13. [enfuce.com/who-we-are/newsroom/consortium-of-vitruvian-partners-visa-and-maki-vc-take-stake-in-finni](https://enfuce.com/who-we-are/newsroom/consortium-of-vitruvian-partners-visa-and-maki-vc-take-stake-in-finnish-issuer-processing-powerhouse-enfuce) 14. [electroverse.com/legal/business/enfuce-terms](https://electroverse.com/legal/business/enfuce-terms) 15. [openbankingexpo.com/news/enfuce-obtains-emi-licence-from-uk-regulator/](https://www.openbankingexpo.com/news/enfuce-obtains-emi-licence-from-uk-regulator/) 16. [fintechmagazine.com/news/marten-mickos-joins-enfuce-financial-services-as-chairman](https://fintechmagazine.com/news/marten-mickos-joins-enfuce-financial-services-as-chairman) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801#overview-sources) - **Operates under:** Its own licences The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011. Its authorisation covers issuing e-money and cards for its programme partners. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Financial Conduct Authority (FCA) United Kingdom | Authorised Electronic Money Institution | 993783 | In its own name | Active | [enfuce.com ↗](https://enfuce.com/uk-cardholders) | 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](https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801#overview-sources) - **Safeguarding:** Segregated safeguarding accountsThe firm says it keeps cardholders' money apart from its own in a designated safeguarding bank account, as the Electronic Money Regulations 2011 require. [enfuce.com ↗](https://enfuce.com/uk-cardholders) - **Safeguarding bank:** Visa Currencycloud United Kingdom [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/13978639/filing-history/MzUwODQxODQyN2FkaXF6a2N4/document?format=pdf&download=0) - **Payment schemes and card networks:** Visa Access not stated [enfuce.com ↗](https://enfuce.com/platform/licensing) Mastercard Access not stated [enfuce.com ↗](https://enfuce.com/platform/licensing) 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](https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801#overview-sources) - Card-issuing platform - Prepaid cards - Debit cards - Banking as a service The firm issues cards through programme partners, such as Octopus Electroverse, that handle applications, apps and cardholder support. It does not issue cards directly to cardholders. The firm runs the Enfuce group's UK card programmes under its FCA authorisation. Its 2025 accounts attribute all revenue to the United Kingdom. - **Revenue:** GBP 5.04mThis entity · 31 Dec 2025 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/13978639/filing-history/MzUwODQxODQyN2FkaXF6a2N4/document?format=pdf&download=0) - **Sells to:** Financial institutions · Enterprises · Platforms and marketplaces - **Serves customers in:** United Kingdom - **Latest funding round:** Follow-on investment round · EUR 8.5m Nov 2023 Led by Vitruvian Partners [enfuce.com ↗](https://enfuce.com/who-we-are/newsroom/consortium-of-vitruvian-partners-visa-and-maki-vc-take-stake-in-finnish-issuer-processing-powerhouse-enfuce) - **Total raised:** EUR 68.5m to Nov 2023 · [enfuce.com ↗](https://enfuce.com/who-we-are/newsroom/consortium-of-vitruvian-partners-visa-and-maki-vc-take-stake-in-finnish-issuer-processing-powerhouse-enfuce) ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801#overview-sources) - **Chief executive:** Fernley Blackler CEO (UK) and CFO Confirmed 29 Sep 2026 · [enfuce.com ↗](https://enfuce.com/who-we-are) - **Chair:** Laurence Krieger Chairman of the Enfuce UK Board of Directors Confirmed 29 Sep 2026 · [enfuce.com ↗](https://enfuce.com/who-we-are/newsroom/enfuce-receives-e-money-licence-to-boost-uk-expansion) - **Compliance / MLRO:** Daniel Alter Chief Risk Officer and Money Laundering Reporting Officer (UK) Confirmed 29 Sep 2026 · [enfuce.com ↗](https://enfuce.com/who-we-are) - **Founder:** Denise Johansson Director; group CEO & Co-founder Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/13978639/officers) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/enfuce-uk-ltd-df2aae230801#overview-sources) 1. Jul 2026 Leadership Enfuce Financial Services Oy, the parent, appointed Mårten Mickos as its chairman. [fintechmagazine.com ↗](https://fintechmagazine.com/news/marten-mickos-joins-enfuce-financial-services-as-chairman) 2. Mar 2026 Leadership Monika Liikamaa stepped down as group co-CEO and as a director of the firm. Denise Johansson became sole group CEO and joined the firm's board. [enfuce.com ↗](https://enfuce.com/who-we-are/newsroom/denise-johansson-takes-the-reins-as-sole-ceo-of-enfuce-as-company-is-on-track-to-10x-revenue-by-2030) 3. Sep 2025 Leadership Janet Lynne Johnston resigned as a director of the firm on 19 September 2025. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/13978639/officers) 4. Mar 2025 Funding Enfuce Financial Services Oy subscribed GBP 300,000 of new shares in the firm on 25 March 2025. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/13978639/filing-history) 5. Feb 2024 Licence The FCA authorised the firm as an electronic money institution on 26 February 2024. The firm appointed Laurence Krieger as chairman of its board. [enfuce.com ↗](https://enfuce.com/who-we-are/newsroom/enfuce-receives-e-money-licence-to-boost-uk-expansion) 6. Nov 2023 Funding The parent, Enfuce Financial Services Oy, raised EUR 8.5 million in a round led by Vitruvian Partners, with Visa and Maki.vc taking part. [enfuce.com ↗](https://enfuce.com/who-we-are/newsroom/consortium-of-vitruvian-partners-visa-and-maki-vc-take-stake-in-finnish-issuer-processing-powerhouse-enfuce) 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-EMI:** 993783 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** [213800G4ANXOVQM1BN74 ↗](https://search.gleif.org/#/record/213800G4ANXOVQM1BN74) - **How the LEI was matched:** Matched by Elucidate on the UK company number the register gives - **Companies House no.:** [13978639 ↗](https://find-and-update.company-information.service.gov.uk/company/13978639) - **Elucidate firm ID:** df2aae230801 ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** E-Money / Stored Value Institution - **Activities:** - Payment services - E-money / stored value - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) · Europe & Central Asia - **First registered:** 2024-02-26 - **Website:** [www.enfuce.com ↗](https://www.enfuce.com/) 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:** Enfuce Financial Services Oy · Finland[7437005L23SW64SA2V69 ↗](https://search.gleif.org/#/record/7437005L23SW64SA2V69) The Enfuce Financial Services Oy group has 2 institutions in the directory, in 2 countries: none holds a BIC. Including [Enfuce License Services Oy](https://elucidate.co/directory/enfuce-license-services-oy-079ae8b4029a). [See the Enfuce Financial Services Oy group →](https://elucidate.co/directory/group/7437005L23SW64SA2V69) 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 [13978639 ↗](https://find-and-update.company-information.service.gov.uk/company/13978639) · as at 9 October 2026 The company states that no person or legal entity has significant control over it. 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 ↗](https://find-and-update.company-information.service.gov.uk/company/13978639/persons-with-significant-control) ## Addresses - **Address on the register:** Enfuce UK Ltd, 1 Primrose Street, London, EC2A 2JN - **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 one address line ```xml 213800G4ANXOVQM1BN74 Enfuce UK Ltd EC2A 2JN London GB Enfuce UK Ltd, 1 Primrose Street ``` 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. ## Related institutions ### Same group - [Enfuce License Services Oy No BIC Payments & e-money Prudential licence Finland · Licensed by Finnish Financial Supervisory Authority · 29925023 (EBA-PSD2) · LEI 743700WRC8QM4A5D3G23](https://elucidate.co/directory/enfuce-license-services-oy-079ae8b4029a) [All 2 institutions in the Enfuce Financial Services Oy group →](https://elucidate.co/directory/group/7437005L23SW64SA2V69) ### Other payments & e-money institutions in the United Kingdom - [Stonex Financial LTD BIC IGLUGB2L Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 446717 (FCA-PSD) · also on FINTRAC-MSB · LEI 549300AWF3TOHRYL7754](https://elucidate.co/directory/stonex-financial-ltd-iglugb2l) - [Dex International Limited · trading as DEXREMIT No BIC Payments & e-money Crypto Money service business Prudential licence United Kingdom · Licensed by FCA · 503929 (FCA-PSD) · also on HMRC-MLR, FINTRAC-MSB · LEI 9845003995D06S994R04](https://elucidate.co/directory/dex-international-limited-ff2b0c01c725) - [Euronet Payment Services Ltd · trading as Ria Money Transfer, Ria No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 504630 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/euronet-payment-services-ltd-6f4dec33a392) - [Instinet Europe Limited BIC ISNTGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 140822 (FCA-PSD) · LEI 213800MXAKR2LA1VBM44](https://elucidate.co/directory/instinet-europe-limited-isntgb2l) - [Isx Financial UK LTD BIC ISFIGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 901034 (FCA-EMI) · LEI 2138007BDV9IRS8AYD07](https://elucidate.co/directory/isx-financial-uk-ltd-isfigb22) - [Western Union Payment Services GB Limited · trading as Manning House, WU No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 816890 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/western-union-payment-services-gb-limited-0741de977896) - [A to Z 4U Ltd · trading as SAAK REMIT, Saakpay No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 570837 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/a-to-z-4u-ltd-25c2ca0fa3b5) - [Allied Wallet Limited No BIC Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900124 (FCA-EMI) · also on FCA-PSD · LEI 213800HO66BDXP716G24](https://elucidate.co/directory/allied-wallet-limited-8983cc2e32eb) [See all →](https://elucidate.co/directory/search?type=payments&cc=GB) [Other entries on FCA-EMI →](https://elucidate.co/directory/register/fca-emi) 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 →](https://elucidate.co/directory/methodology) Register for this page - **FCA Financial Services Register - E-Money Institutions**—Financial Conduct Authority (FCA) · [source ↗](https://register.fca.org.uk/s/) 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 ↗](https://download.companieshouse.gov.uk/en_pscdata.html) 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 licence A licence records what an institution is authorised to do; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.