--- title: "Eurochange LTD SWIFT/BIC code EURHGB21XXX · United Kingdom | Elucidate" description: "Licensed in the United Kingdom: Authorised Payment Institution (FCA). SWIFT/BIC code EURHGB21XXX for Eurochange LTD, United Kingdom. Head-office BIC." url: https://elucidate.co/directory/eurochange-ltd-eurhgb21 --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Eurochange LTD United Kingdom · Payments & e-money # Eurochange LTD Legal name in the LEI record EUROCHANGE LIMITED Eurochange Limited is a private limited company incorporated in England and Wales, with its head office in Stevenage. The FCA authorises it as a payment institution (reference 534703), and HMRC registers it as a money service business. Western Union Ireland Holdings Limited, a subsidiary of The Western Union Company, has owned it since 7 April 2025. It sells travel money in UK branches and online, provides Western Union transfers as a Western Union agent and offers a prepaid Mastercard issued by PrePay Technologies Limited. Register status Licensed in the United Kingdom Authorised Payment Institution · FCA Prudential licence [2 licences and registrations ↓](https://elucidate.co/directory/eurochange-ltd-eurhgb21#licences) BIC **EURHGB21XXX** LEI **[2138006TR5OJ2EC1JB20](https://search.gleif.org/#/record/2138006TR5OJ2EC1JB20)** [Licence no. **534703**](https://elucidate.co/directory/eurochange-ltd-eurhgb21#licences) Passive participant (no connection) Head-office BIC only [Claim this profile](https://elucidate.co/directory/eurochange-ltd-eurhgb21#claim) ## Licences and registrations Held by Eurochange Limited (LEI 2138006TR5OJ2EC1JB20). 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 & RAISPs](https://elucidate.co/directory/register/fca-psd) FCA Linked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 534703 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2018-04-19 | — | - Payment services | [Search the register ↗](https://register.fca.org.uk/s/) | | [HMRC MLR Supervised Business Register](https://elucidate.co/directory/register/hmrc-mlr) HMRC Linked by LEI. Matched by Elucidate on the UK company number the register gives. | Money Service BusinessMoney Transmitter / Remittance | XPML00000164676 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2021-06-01 | — | - Money remittance - Currency exchange | [Search the register ↗](https://www.gov.uk/guidance/money-laundering-regulations-supervised-business-register) | Trading names on the register: NM Money (FCA-PSD, HMRC-MLR), Eurochange (FCA-PSD, HMRC-MLR) - 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:** EURHGB21XXX head office - **Connection to Swift:** Passive participant (no connection) - **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:** 2018-11-03 - **Last updated:** 2018-11-03 ## Overview Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/eurochange-ltd-eurhgb21#overview-sources) Customers Not published Employees 779 headcount · This entity · 30 Jun 2024 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/02519424/filing-history/MzQ2MDYwNzU3NmFkaXF6a2N4/document?format=pdf&download=0) Ownership Group subsidiary Western Union Ireland Holdings Limited Firm type Bureau de change Trades as eurochange - **Standing:** On 7 April 2025 Corsair sold the firm to a subsidiary of The Western Union Company. Western Union Ireland Holdings Limited is recorded as its person with significant control from that date. - **Ownership:** Western Union Ireland Holdings Limited, a subsidiary of The Western Union Company, has held 75% or more of the shares since 7 April 2025. - **Direct parent:** Western Union Ireland Holdings Limited, Ireland - **Ultimate owner:** The Western Union Company, United States - **Head office:** Essex House, Meadway Corporate Centre, Rutherford Close, SG1 2EF Stevenage, United Kingdom - **Company register:** Companies House 02519424 - **Incorporated:** 6 Jul 1990 - **Former names:** EUROCHANGE PLC · FX CURRENCY SERVICES PLC · FX CURRENCY SERVICES LIMITED · FX INVESTMENTS LIMITED · EUROCHANGE GROUP LIMITED · LAW 261 LIMITED ### Online - **Websites & references:** [eurochange.co.uk ↗](https://www.eurochange.co.uk/) did not load when checked [morrisonstravelmoney.com ↗](https://morrisonstravelmoney.com/) Morrisons Travel Money site carrying the firm's regulatory statement (FCA reference 534703) [ulsterbanktravelmoney.com ↗](https://ulsterbanktravelmoney.com/) Ulster Bank travel money site carrying the firm's regulatory statement (FCA reference 534703) [Wikipedia ↗](https://en.wikipedia.org/wiki/Eurochange) - **Official social accounts:** None found Sources · 16 pages consulted 1. [find-and-update.company-information.service.gov.uk/company/02519424](https://find-and-update.company-information.service.gov.uk/company/02519424) 2. [find-and-update.company-information.service.gov.uk/company/02519424/officers](https://find-and-update.company-information.service.gov.uk/company/02519424/officers) 3. [find-and-update.company-information.service.gov.uk/company/02519424/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/02519424/persons-with-significant-control) 4. [find-and-update.company-information.service.gov.uk/company/02519424/filing-history](https://find-and-update.company-information.service.gov.uk/company/02519424/filing-history) 5. [find-and-update.company-information.service.gov.uk/company/02519424/filing-history/MzQ2MDYwNzU3NmFkaXF6a2N4/document?format=pdf&download=0](https://find-and-update.company-information.service.gov.uk/company/02519424/filing-history/MzQ2MDYwNzU3NmFkaXF6a2N4/document?format=pdf&download=0) 6. [eurochange.co.uk/company/legal/regulatory-requirements](https://www.eurochange.co.uk/company/legal/regulatory-requirements) 7. [eurochange.co.uk/company/legal/quick-transfer-terms-and-conditions](https://www.eurochange.co.uk/company/legal/quick-transfer-terms-and-conditions) 8. [eurochange.co.uk/travel-money/card](https://www.eurochange.co.uk/travel-money/card) 9. [eurochange.co.uk/transfer-money/western-union](https://www.eurochange.co.uk/transfer-money/western-union) 10. [travelprepaid.mastercard.com/media/228357/902200\_uk\_eurochange\_tmc\_tcs\_r5\_011223\_gd11496\_vaw.pdf](https://travelprepaid.mastercard.com/media/228357/902200_uk_eurochange_tmc_tcs_r5_011223_gd11496_vaw.pdf) 11. [businesswire.com/news/home/20250408366869/en/Corsair-Completes-Sale-of-eurochange-to-The-Western-Union-Com](https://www.businesswire.com/news/home/20250408366869/en/Corsair-Completes-Sale-of-eurochange-to-The-Western-Union-Company-Finalizes-Exit-from-NoteMachine) 12. [insidermedia.com/news/south-eastsouth-west/us-investment-firm-completes-sale-of-eurochange-to-western-unio](https://www.insidermedia.com/news/south-eastsouth-west/us-investment-firm-completes-sale-of-eurochange-to-western-union-company-subsidiary) 13. [pressat.co.uk/releases/eurochange-wins-best-currency-travel-card-at-the-moneynet-awards-f9a45fe2bb30c1b](https://pressat.co.uk/releases/eurochange-wins-best-currency-travel-card-at-the-moneynet-awards-f9a45fe2bb30c1bb5cb7bef72dfdd937/) 14. [businessinthemidlands.co.uk/eurochange-launches-the-travel-money-card-powered-by-mastercard/](https://businessinthemidlands.co.uk/eurochange-launches-the-travel-money-card-powered-by-mastercard/) 15. [lei.bloomberg.com/leis/view/2138006TR5OJ2EC1JB20](https://lei.bloomberg.com/leis/view/2138006TR5OJ2EC1JB20) 16. [en.wikipedia.org/wiki/Eurochange](https://en.wikipedia.org/wiki/Eurochange) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/eurochange-ltd-eurhgb21#overview-sources) - **Operates under:** Several models - **Licensed firm it operates under:** Western Union Western Union agent for money transfer services The FCA authorises the firm as a payment institution under the Payment Services Regulations 2017 (reference 534703) for its Quick Transfer international payments. HMRC supervises its currency exchange business as a money service business. It offers Western Union transfers as a Western Union agent, and PrePay Technologies Limited issues its prepaid card. | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Financial Conduct Authority United Kingdom | Authorised Payment Institution | 534703 | In its own name | Active | [eurochange.co.uk ↗](https://www.eurochange.co.uk/company/legal/quick-transfer-terms-and-conditions) | | HM Revenue & Customs United Kingdom | Money Service Business (money remittance, currency exchange) | XPML00000164676 | 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](https://elucidate.co/directory/eurochange-ltd-eurhgb21#overview-sources) - **Card issuer:** PrePay Technologies Limited United Kingdom [eurochange.co.uk ↗](https://www.eurochange.co.uk/travel-money/card) - **Payment schemes and card networks:** Mastercard Through a partner [eurochange.co.uk ↗](https://www.eurochange.co.uk/travel-money/card) 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/eurochange-ltd-eurhgb21#overview-sources) - Bureau de change - International money transfer - Prepaid cards - Cash pick-up - FX conversion It sells foreign currency banknotes in its branches, online and by home delivery. It also offers Quick Transfer international payments, Western Union send and receive services and a multi-currency prepaid Mastercard. The firm describes a network of over 240 branches in England, Scotland, Wales and Northern Ireland. Its 2024 accounts state that all turnover arose in the United Kingdom. - **Revenue:** GBP 47.5mThis entity · 30 Jun 2024 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/02519424/filing-history/MzQ2MDYwNzU3NmFkaXF6a2N4/document?format=pdf&download=0) - **Sells to:** Consumers · Small businesses · Financial institutions - **Serves customers in:** United Kingdom ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/eurochange-ltd-eurhgb21#overview-sources) - **Chief executive:** Charles Somerville Stewart Managing Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/02519424/officers) - **Executive:** Graham Baker Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/02519424/officers) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/eurochange-ltd-eurhgb21#overview-sources) 1. Sep 2026 Leadership Aamir Hanif stepped down as a director of the firm on 18 September 2026. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/02519424/officers) 2. May 2025 Other The firm moved its accounting reference date, extending the current period from 29 June 2025 to 28 December 2025. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/02519424/filing-history) 3. Apr 2025 Leadership Philip Bowcock resigned as a director and Graham Baker and Aamir Hanif were appointed on 7 April 2025. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/02519424/filing-history) 4. Apr 2025 Merger / acquisition Corsair completed the sale of the firm to a subsidiary of The Western Union Company on 7 April 2025. [businesswire.com ↗](https://www.businesswire.com/news/home/20250408366869/en/Corsair-Completes-Sale-of-eurochange-to-The-Western-Union-Company-Finalizes-Exit-from-NoteMachine) 5. Jul 2024 Other The firm incorporated a wholly owned subsidiary, Ignite FXCorp Limited, with company number 15823902. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/02519424/filing-history/MzQ2MDYwNzU3NmFkaXF6a2N4/document?format=pdf&download=0) 6. Jun 2024 Other The firm launched the eurochange Travel Money Card, a prepaid Mastercard issued by PrePay Technologies Limited. [businessinthemidlands.co.uk ↗](https://businessinthemidlands.co.uk/eurochange-launches-the-travel-money-card-powered-by-mastercard/) 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:** EURHGB21XXX - **How the BIC breaks down:** 1. EURH Bank 2. GB Country · United Kingdom 3. 21 Location · passive 4. XXX Branch · head office - **Branch description:** Not recorded in the directory - **LEI:** 2138006TR5OJ2EC1JB20 - **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/2138006TR5OJ2EC1JB20) - **Licence no. · FCA-PSD:** 534703 - **Licence no. · HMRC-MLR:** XPML00000164676 - **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file. Register entries: Matched by Elucidate on the UK company number the register gives. - **Register-entry ID:** b3b34ca0ffb8 - **Companies House no.:** [02519424 ↗](https://find-and-update.company-information.service.gov.uk/company/02519424) ## Profile - **Type:** Payments & e-money · Money service business - **Regulation:** Prudential licence - **Register licences:** [2 entries on 2 registers](https://elucidate.co/directory/eurochange-ltd-eurhgb21#licences) - **Activities:** - Payment services - Money remittance - Currency exchange - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) - **Website (register):** [www.eurochange.co.uk ↗](https://www.eurochange.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 GLEIF’s relationship records name no parent for this LEI, and no group page is published for it. ## Persons with significant control Companies House · company [02519424 ↗](https://find-and-update.company-information.service.gov.uk/company/02519424) · as at 9 October 2026 Companies House lists 1 person with significant control for Eurochange Limited: 1 company. | Name | Type | Nature of control | Notified | | --- | --- | --- | --- | | Western Union Ireland Holdings Limited | Company · Ireland | 75–100% of shares | 7 April 2025 | 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/02519424/persons-with-significant-control) ## Addresses - **Registered address:** RUSSEL HOUSE MEADWAY CO ELVICTA BUSINESS PARK CRICKHOWELL NP8DF UNITED KINGDOM - **Operational address:** ESSEX HOUSE MEADWAY CORPORATE CENTRE RUTHERFORD CLOSE STEVENAGE STEVENAGE SG1 2EF 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+:** Debtor agent, creditor agent or an intermediary agent ### CBPR+ For cross-border payments on Swift: the BIC, with the LEI and clearing code where known ```xml EURHGB21XXX 2138006TR5OJ2EC1JB20 ``` ### 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 ```xml EURHGB21XXX 2138006TR5OJ2EC1JB20 EUROCHANGE LTD GB RUSSEL HOUSE MEADWAY CO ELVICTA BUSINESS PARK CRICKHOWELL NP8DF ``` This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent. Swift’s two address fields do not agree on a town, so the full record gives the address as address lines only. 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. ## Related institutions ### 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) Claim this profile ## Work at Eurochange LTD? Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page. 1. 01 **Submit** Tell us who you are, using your work email. 2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days. 3. 03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time. 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 →](https://elucidate.co/directory/methodology) Credits for this page - **FCA Financial Services Register - Payment Institutions & RAISPs**—Financial Conduct Authority (FCA) · [register ↗](https://register.fca.org.uk/s/) as at 25 September 2026 - **HMRC MLR Supervised Business Register**—HM Revenue & Customs (HMRC) · [register ↗](https://www.gov.uk/guidance/money-laundering-regulations-supervised-business-register) as at 24 September 2026 - **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 BIC A BIC identifies an institution; 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, built for correspondent banking and counterparty due diligence. [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.