---
title: "Fibonatix (UK) Limited SWIFT/BIC code FBONGB22XXX · United Kingdom | Elucidate"
description: "Licensed in the United Kingdom: Authorised Payment Institution (FCA). SWIFT/BIC code FBONGB22XXX for Fibonatix (UK) Limited, United Kingdom. Head-office BIC."
url: https://elucidate.co/directory/fibonatix-uk-limited-fbongb22
---

1.  [Directory](https://elucidate.co/directory)
2.  [United Kingdom](https://elucidate.co/directory/country/gb)
3.  Fibonatix (UK) Limited

![Fibonatix logo](https://elucidate.co/images/banks/e0/e08ff67668458195.webp)

United Kingdom · Payments & e-money

# Fibonatix (UK) Limited

Fibonatix (UK) Limited is a private limited company registered in England and Wales, with its registered office in Manchester. The FCA authorises it as an authorised payment institution (FRN 768776). HMRC registers it as a money service business. According to Companies House, Tal Miller holds 75% or more of its shares and voting rights. It sells payment gateway and card-processing services to online merchants and says it specialises in high-risk sectors such as CBD, dating, nutraceuticals and forex.

Register status

Licensed in the United Kingdom

Authorised Payment Institution · FCA

Prudential licence

[2 licences and registrations ↓](https://elucidate.co/directory/fibonatix-uk-limited-fbongb22#licences)

BIC **FBONGB22XXX** LEI **[2138004DY7JBUMEL4X69](https://search.gleif.org/#/record/2138004DY7JBUMEL4X69)** [Licence no. **768776**](https://elucidate.co/directory/fibonatix-uk-limited-fbongb22#licences) Reverse billing Head-office BIC only [Claim this profile](https://elucidate.co/directory/fibonatix-uk-limited-fbongb22#claim)

## Licences and registrations

Held by Fibonatix (UK) Limited (LEI 2138004DY7JBUMEL4X69). 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 | 768776 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2018-07-13 | — | - 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 | XXML00000204009 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2025-01-01 | — | - Money remittance | [Search the register ↗](https://www.gov.uk/guidance/money-laundering-regulations-supervised-business-register) |

Trading names on the register: Fibonatix (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:** FBONGB22XXX head office
- **Connection to Swift:** 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:** 2026-01-03
- **Last updated:** 2026-01-03

## Overview

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/fibonatix-uk-limited-fbongb22#overview-sources)

Customers

Not published

Employees

4

headcount · This entity · 31 Dec 2024 · [regulatory filing ↗](https://find-and-update.company-information.service.gov.uk/company/09738892/filing-history/MzQ4NjQwMTM2MWFkaXF6a2N4/document?format=xhtml&download=1)

Ownership

Privately held

Firm type

Merchant acquiring and processing

Trades as Fibonatix

- **Ownership:** Companies House lists Tal Miller as the only person with significant control, holding 75% or more of the shares and voting rights.
- **Major shareholder:** Tal Miller
- **Head office:** 18 Lower Byrom St., M3 4AP Manchester, United Kingdom
- **Company register:** Companies House 09738892
- **Incorporated:** 19 Aug 2015

### Online

- **Websites & references:** [fibonatix.com ↗](https://www.fibonatix.com/) did not load when checked
- **Official social accounts:** None found

Sources · 17 pages consulted

1.  [find-and-update.company-information.service.gov.uk/company/09738892](https://find-and-update.company-information.service.gov.uk/company/09738892)
2.  [find-and-update.company-information.service.gov.uk/company/09738892/officers](https://find-and-update.company-information.service.gov.uk/company/09738892/officers)
3.  [find-and-update.company-information.service.gov.uk/company/09738892/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/09738892/persons-with-significant-control)
4.  [find-and-update.company-information.service.gov.uk/company/09738892/filing-history](https://find-and-update.company-information.service.gov.uk/company/09738892/filing-history)
5.  [find-and-update.company-information.service.gov.uk/company/09738892/filing-history/MzQ4NjQwMTM2MWFkaXF6a2N4/document?format=xhtml&download=1](https://find-and-update.company-information.service.gov.uk/company/09738892/filing-history/MzQ4NjQwMTM2MWFkaXF6a2N4/document?format=xhtml&download=1)
6.  [register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7](https://register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7)
7.  [fsc.gi/regulated-entity/fibonatix-uk-limited-25055](https://www.fsc.gi/regulated-entity/fibonatix-uk-limited-25055)
8.  [fibonatix.com/legal/](https://www.fibonatix.com/legal/)
9.  [fibonatix.com/resources/payment-edu/how-do-payment-gateways-work-understanding-the-basics/](https://www.fibonatix.com/resources/payment-edu/how-do-payment-gateways-work-understanding-the-basics/)
10.  [fibonatix.com/solutions/payment-gateway/](https://www.fibonatix.com/solutions/payment-gateway/)
11.  [fibonatix.com/solutions/payment-gateway/secure-credit-card-merchant-account-solutions-by-fibonatix/](https://www.fibonatix.com/solutions/payment-gateway/secure-credit-card-merchant-account-solutions-by-fibonatix/)
12.  [bank.lv/en/news-and-events/news-and-articles/news/17714-latvijas-banka-is-issuing-a-licence-to-si](https://www.bank.lv/en/news-and-events/news-and-articles/news/17714-latvijas-banka-is-issuing-a-licence-to-sia-fibonatix-lv-to-operate-as-a-payment-institution)
13.  [liaa.business.gov.lv/en/news/israeli-fintech-fibonatix-receives-latvijas-banka-licence-marking-new-latvia-isra](https://liaa.business.gov.lv/en/news/israeli-fintech-fibonatix-receives-latvijas-banka-licence-marking-new-latvia-israel-fintech)
14.  [paynetics.digital/client/fibonatix/](https://www.paynetics.digital/client/fibonatix/)
15.  [psr.org.uk/media/gsxk2v21/fps-participants-list-june-2024.pdf](https://www.psr.org.uk/media/gsxk2v21/fps-participants-list-june-2024.pdf)
16.  [fca.org.uk/news/warnings/fibonachiscom-clone-fca-authorised-firm](https://www.fca.org.uk/news/warnings/fibonachiscom-clone-fca-authorised-firm)
17.  [find-and-update.company-information.service.gov.uk/company/11524769](https://find-and-update.company-information.service.gov.uk/company/11524769)

## Authorisation

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/fibonatix-uk-limited-fbongb22#overview-sources)

- **Operates under:** Its own licences

The FCA authorises the firm as an authorised payment institution (FRN 768776), and HMRC supervises it as a money service business under the Money Laundering Regulations. It works with acquiring partners for card acceptance.

| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 768776 | In its own name | Active | [register.fca.org.uk ↗](https://register.fca.org.uk/s/firm?id=001b000003d3cv0AAA) |
| HM Revenue & Customs United Kingdom | Money Service Business (Money Transmitter / Remittance) | XXML00000204009 | In its own name | Active | — |
| Gibraltar Financial Services Commission Gibraltar | Payment Services Directive – incoming services from the United Kingdom (money remittance) | — | In its own name | Active | [fsc.gi ↗](https://www.fsc.gi/regulated-entity/fibonatix-uk-limited-25055) |

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/fibonatix-uk-limited-fbongb22#overview-sources)

- **Acquirer / processor:** Paynetics [paynetics.digital ↗](https://www.paynetics.digital/client/fibonatix/)
- **Payment schemes and card networks:** Visa Through a partner [paynetics.digital ↗](https://www.paynetics.digital/client/fibonatix/) Mastercard Through a partner [paynetics.digital ↗](https://www.paynetics.digital/client/fibonatix/) Faster Payments Access not stated [psr.org.uk ↗](https://www.psr.org.uk/media/gsxk2v21/fps-participants-list-june-2024.pdf)

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/fibonatix-uk-limited-fbongb22#overview-sources)

-   Payment gateway
-   Merchant acquiring

It sells a card payment gateway, merchant accounts, virtual terminal, pay-by-link and recurring billing to online merchants. It says it focuses on high-risk sectors such as CBD, dating, e-cigarettes, nutraceuticals and forex.

The firm says it serves B2C merchants worldwide and B2B merchants only in the UK and EEA. The Gibraltar Financial Services Commission lists it as providing money remittance services into Gibraltar from the United Kingdom.

- **Sells to:** Small businesses · Enterprises
- **Serves customers in 2 countries:** United Kingdom · Gibraltar

## Leadership

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/fibonatix-uk-limited-fbongb22#overview-sources)

- **Chief executive:** Tal Miller Director; CEO of Fibonatix Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/09738892/officers)

## Recent events

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/fibonatix-uk-limited-fbongb22#overview-sources)

1.  Jun 2026

    Licence

    Latvijas Banka licensed the sister company SIA Fibonatix (LV) as a payment institution to provide payment acceptance services.

    [bank.lv ↗](https://www.bank.lv/en/news-and-events/news-and-articles/news/17714-latvijas-banka-is-issuing-a-licence-to-sia-fibonatix-lv-to-operate-as-a-payment-institution)

2.  Mar 2026

    Other

    The sister company Fibonatix Financial Services Limited was dissolved on 10 March 2026, according to Companies House.

    [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/11524769)

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:** FBONGB22XXX
- **How the BIC breaks down:** 1. FBON Bank 2. GB Country · United Kingdom 3. 22 Location · reverse billing 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 2138004DY7JBUMEL4X69
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/2138004DY7JBUMEL4X69)
- **Licence no. · FCA-PSD:** 768776
- **Licence no. · HMRC-MLR:** XXML00000204009
- **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:** 01c58cdd7fc9
- **Companies House no.:** [09738892 ↗](https://find-and-update.company-information.service.gov.uk/company/09738892)

## Profile

- **Type:** Payments & e-money · Money service business
- **Regulation:** Prudential licence
- **Register licences:** [2 entries on 2 registers](https://elucidate.co/directory/fibonatix-uk-limited-fbongb22#licences)
- **Activities:** - Payment services - Money remittance
- **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb)
- **Website (register):** [fibonatix.com ↗](http://fibonatix.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.

## Persons with significant control

Companies House · company [09738892 ↗](https://find-and-update.company-information.service.gov.uk/company/09738892) · as at 9 October 2026

Companies House lists 1 person with significant control for Fibonatix (UK) Limited: 1 individual.

| Name | Type | Nature of control | Notified |
| --- | --- | --- | --- |
| Tal Miller | Individual | 75–100% of shares · 75–100% of votes | 6 April 2016 |

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/09738892/persons-with-significant-control)

## Addresses

- **Registered address:** THE BONDED WAREHOUSE 18 LOWER BYROM STREET MANCHESTER M3 4AP UNITED KINGDOM
- **Operational address:** THE BONDED WAREHOUSE 18 LOWER BYROM STREET MANCHESTER MANCHESTER M3 4AP 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

```xml
<FinInstnId>
  <BICFI>FBONGB22XXX</BICFI>
  <LEI>2138004DY7JBUMEL4X69</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

```xml
<FinInstnId>
  <BICFI>FBONGB22XXX</BICFI>
  <LEI>2138004DY7JBUMEL4X69</LEI>
  <Nm>FIBONATIX (UK) LIMITED</Nm>
  <PstlAdr>
    <TwnNm>MANCHESTER</TwnNm>
    <Ctry>GB</Ctry>
    <AdrLine>THE BONDED WAREHOUSE 18 LOWER BYROM STREET MANCHESTER M3 4AP</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.

## 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 Fibonatix (UK) Limited?

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.
-   **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: [fibonatix.com](https://www.fibonatix.com/) (official website) · [original](https://www.fibonatix.com/wp-content/themes/fibonatix/assets/images/h-logo.png).

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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.