United Kingdom · Payments & e-money
Fairmay LTD
Fairmay Ltd is a private limited company incorporated in England and Wales on 11 February 2021, with its registered office in London. The Financial Conduct Authority (FCA) has authorised it as an electronic money institution since 31 March 2026, under firm reference 1015576. According to its latest filed accounts, Sergejs Loks holds 57.58% of its issued share capital. The firm promotes GBP business accounts and virtual cards for UK small and medium-sized businesses through a pre-launch waitlist.
Licences and registrations
Held by Fairmay LTD (LEI 213800762CKFRDXS4U96). 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 InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 1015576 | United Kingdom | Active | 2026-03-31 | — |
|
Search the register ↗ |
- 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
- FARYGB22XXX 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 FARYGB22 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
- 2026-07-04
- Last updated
- 2026-07-04
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Privately held
Firm type
E-money and accounts
Trades as Fairmay
- Standing
- The FCA authorised the firm as an electronic money institution on 31 March 2026. At 30 March 2026 it had not started trading, and in September 2026 its website showed a pre-launch waitlist. The High Court made a winding-up order against the firm on 3 December 2025 and rescinded it on 21 January 2026.
- Ownership
- According to its accounts for the period to 30 March 2026, Sergejs Loks holds 57.58% of the issued share capital. The Companies House filings also list the director Ingus Linkevics as a person with significant control.
- Major shareholders
- Sergejs Loks 57.58% · 30 Mar 2026
Ingus Linkevics - Head office
- 86-90 Paul Street, EC2A 4NE London, United Kingdom
- Company register
- Companies House 13195810
- Incorporated
- 11 Feb 2021
Online
- Websites & references
- fairmay.co.uk ↗
fairmay.com ↗ alternative domain serving the same pre-launch page (canonical fairmay.co.uk) - Official social accounts
- None found
Sources · 8 pages consulted
- find-and-update.company-information.service.gov.uk/company/13195810
- find-and-update.company-information.service.gov.uk/company/13195810/officers
- find-and-update.company-information.service.gov.uk/company/13195810/filing-history
- find-and-update.company-information.service.gov.uk/company/13195810/filing-history/MzU0MTY0ODQ1MmFkaXF6a2N4/document?format=pdf&download=0
- find-and-update.company-information.service.gov.uk/company/13195810/filing-history/MzUwMjg3OTUzMmFkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CWmx
- fairmay.co.uk/
- fairmay.com/author/ingus/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011, firm reference 1015576, with effect from 31 March 2026. Its register permissions cover issuing e-money and providing payment services.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 1015576 | 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.
Products and markets
Researched 29 Sep 2026 · Sources
The firm's pre-launch website advertises GBP accounts, virtual cards, carbon tracking and advertising-spend insights for UK small and medium-sized businesses. At 30 March 2026 it had not started trading.
The firm's website targets UK small and medium-sized businesses, and its only known licence is from the FCA.
- Sells to
- Small businesses
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Ingus Linkevics Director
- Executive
- Howard Spencer Gibbs Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed Howard Spencer Gibbs as a director on 1 September 2026.
find-and-update.company-information.service.gov.uk ↗ -
Licence
The FCA authorised the firm as an electronic money institution on 31 March 2026.
find-and-update.company-information.service.gov.uk ↗ -
Other
The High Court rescinded the winding-up order on 21 January 2026 and dismissed the petition after the petition debt was paid.
find-and-update.company-information.service.gov.uk ↗ -
Other
The High Court made a winding-up order against the firm on 3 December 2025, on a petition presented by Addleshaw Goddard LLP.
find-and-update.company-information.service.gov.uk ↗ -
Funding
The firm allotted shares on 15 and 16 September 2025, and Sergejs Loks became a person with significant control.
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
- FARYGB22XXX
- How the BIC breaks down
- FARYBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800762CKFRDXS4U96
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 1015576
- 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
- eda638680449
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
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.fairmay.com ↗
- 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.
Addresses
- Registered address
- 83 VICTORIA STREET LONDON SW1H 0HW UNITED KINGDOM
- Operational address
- 83 VICTORIA STREET LONDON LONDON SW1H 0HW 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>FARYGB22XXX</BICFI>
<LEI>213800762CKFRDXS4U96</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>FARYGB22XXX</BICFI>
<LEI>213800762CKFRDXS4U96</LEI>
<Nm>FAIRMAY LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>83 VICTORIA STREET LONDON SW1H 0HW</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 - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 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.
- 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: fairmay.co.uk (official website) · original.
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