---
title: "Finseta Payment Solutions Limited SWIFT/BIC code FXPSGB22XXX · United Kingdom | Elucidate"
description: "Licensed in the United Kingdom: Authorised E-Money Institution (FCA). SWIFT/BIC code FXPSGB22XXX for Finseta Payment Solutions Limited, United Kingdom."
url: https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22
---
1. [Directory](https://elucidate.co/directory)
2. [United Kingdom](https://elucidate.co/directory/country/gb)
3. Finseta Payment Solutions Limited
United Kingdom · Payments & e-money
# Finseta Payment Solutions Limited
Finseta Payment Solutions Limited is a Northern Ireland company managed from London. It is wholly owned by Finseta plc, whose shares trade on AIM. The FCA authorises it as an electronic money institution under the Electronic Money Regulations 2011, with firm reference number 941406. Under the Finseta brand it offers multi-currency accounts, international payments and spot and forward currency contracts to businesses and high-net-worth individuals.
Register status
Licensed in the United Kingdom
Authorised E-Money Institution · FCA
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#licences)
BIC **FXPSGB22XXX** LEI **[254900EXFG23JQSL5W27](https://search.gleif.org/#/record/254900EXFG23JQSL5W27)** [Licence no. **941406**](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#licences) Reverse billing [**1** branch code](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#branches) [Claim this profile](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#claim)
## Licences and registrations
Held by Finseta Payment Solutions Limited (LEI 254900EXFG23JQSL5W27). 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 Linked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 941406 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2021-08-04 | — | - Payment services - E-money / stored value | [Search the register ↗](https://register.fca.org.uk/s/) |
Trading names on the register: Finseta (FCA-EMI), Cornerstone FS (FCA-EMI), Cornerstone (FCA-EMI)
- 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
- [Cornerstone Payment Solutions Ltd No BIC Payments & e-money Prudential licence Inactive since 16 May 2018 United Kingdom · Licensed by FCA · 521572 (FCA-PSD) · LEI 254900EXFG23JQSL5W27 (also mapped to a BIC) LEI matched by Elucidate to GLEIF on name and country only. Not merged: the register name differs from the name on this BIC.](https://elucidate.co/directory/cornerstone-payment-solutions-ltd-cc7b30ec6fa4)
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** FXPSGB22XXX 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:** [1 branch code](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#branches)
- **BIC first registered:** 2021-08-07
- **Last updated:** 2025-01-04
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#overview-sources)
Customers
1,389
active customers · Group · 30 Jun 2026 · [interim report ↗](https://www.investments.halifax.co.uk/research-centre/news-centre/article/?id=36212678&type=rns)
Employees
37
headcount · This entity · 31 Dec 2025 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0)
Ownership
Group subsidiary
100% Finseta PLC
Firm type
FX and business payments
Trades as Finseta
- **Standing:** The firm took its current name on 24 April 2024. Before that it was Cornerstone Payment Solutions Ltd (March 2022 to April 2024), FXPress Payment Services Ltd (March 2017 to March 2022) and PlutusFX Ltd (2010 to 2017).
- **Ownership:** Finseta plc, a company quoted on AIM (ticker FIN), owns 100% of the firm directly. The firm's 2025 accounts state that there is no ultimate controlling party.
- **Direct parent:** [Finseta PLC ↗](https://search.gleif.org/#/record/213800O4IL2RXZ2BZ956), United Kingdom 100%
- **Head office:** 14-18 Copthall Avenue, EC2R 7DJ London, United Kingdom (registered office: 1 Elmfield Avenue, Warrenpoint, Newry, County Down, Northern Ireland, BT34 3HQ)
- **Company register:** Companies House NI602461
- **Incorporated:** 12 Mar 2010
- **Former names:** Cornerstone Payment Solutions Ltd · FXPress Payment Services Ltd · PlutusFX Ltd
### Online
- **Websites & references:** [finseta.com ↗](https://finseta.com/) [investors.finseta.com ↗](https://investors.finseta.com/) investor hub of the parent, Finseta plc [customer.app.finseta.com ↗](https://customer.app.finseta.com/) client login portal [broker.app.fxpress-payments.com ↗](https://broker.app.fxpress-payments.com/) partner login portal (former FXPress domain)
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/finseta1) · [X ↗](https://twitter.com/_Finseta) · [Instagram ↗](https://www.instagram.com/_Finseta/)
Sources · 13 pages consulted
1. [find-and-update.company-information.service.gov.uk/company/NI602461](https://find-and-update.company-information.service.gov.uk/company/NI602461)
2. [find-and-update.company-information.service.gov.uk/company/NI602461/officers](https://find-and-update.company-information.service.gov.uk/company/NI602461/officers)
3. [find-and-update.company-information.service.gov.uk/company/NI602461/filing-history](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history)
4. [find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0)
5. [finseta.com/](https://finseta.com/)
6. [finseta.com/legal/terms-and-conditions/](https://finseta.com/legal/terms-and-conditions/)
7. [finseta.com/legal/how-is-your-money-protected/](https://finseta.com/legal/how-is-your-money-protected/)
8. [finseta.com/about-us/meet-the-team/](https://finseta.com/about-us/meet-the-team/)
9. [finseta.com/about-us/our-story/](https://finseta.com/about-us/our-story/)
10. [investments.halifax.co.uk/research-centre/news-centre/article/?id=36212678&type=rns](https://www.investments.halifax.co.uk/research-centre/news-centre/article/?id=36212678&type=rns)
11. [investegate.co.uk/announcement/rns/finseta-plc--fin/appointment-of-interim-cfo/9413626](https://www.investegate.co.uk/announcement/rns/finseta-plc--fin/appointment-of-interim-cfo/9413626)
12. [investegate.co.uk/announcement/rns/cornerstone-fs--csfs/agreement-with-mastercard-/8001006](https://www.investegate.co.uk/announcement/rns/cornerstone-fs--csfs/agreement-with-mastercard-/8001006)
13. [directorstalkinterviews.com/finseta-raises-0-9-million-as-retail-offer-closes/4121249192](https://www.directorstalkinterviews.com/finseta-raises-0-9-million-as-retail-offer-closes/4121249192)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#overview-sources)
- **Operates under:** Several models
- **Licensed firm it operates under:** PSI-Pay Ltd, United Kingdom issuer of the Finseta Corporate Card pursuant to a licence by Mastercard
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011. PSI-Pay Ltd issues the Finseta Corporate Card under a licence from Mastercard. The firm's terms describe its forward and spot FX contracts as unregulated.
| Authority | Licence or registration | Number | Held | Status | Source |
| --- | --- | --- | --- | --- | --- |
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 941406 | In its own name | Active | [register.fca.org.uk ↗](https://register.fca.org.uk/s/firm?id=0014G00002aMlHTQA0) |
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/finseta-payment-solutions-limited-fxpsgb22#overview-sources)
- **Safeguarding:** Segregated safeguarding accountsAccording to its 2025 accounts, the firm safeguards customer funds in segregated accounts with Banking Circle, as the Electronic Money Regulations 2011 require. [finseta.com ↗](https://finseta.com/legal/how-is-your-money-protected/)
- **Safeguarding bank · Settlement bank:** Banking Circle [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0)
- **Card issuer:** PSI-Pay Ltd United Kingdom [finseta.com ↗](https://finseta.com/)
- **Sponsor bank:** Barclays United Kingdom [finseta.com ↗](https://finseta.com/about-us/meet-the-team/)
- **Settlement bank:** Currency Cloud [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0)
- **Settlement bank:** Velocity Trade International [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0)
- **Payment schemes and card networks:** Faster Payments Through a partner [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0) Mastercard Through a partner [finseta.com ↗](https://finseta.com/)
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/finseta-payment-solutions-limited-fxpsgb22#overview-sources)
- International money transfer
- Multi currency accounts
- FX conversion
- FX hedging
- Payouts and mass payments
- Domestic payments
- Debit cards
The firm works as a matched-principal FX broker, selling spot and forward currency contracts alongside e-money accounts and payments. Its 2025 accounts say it has been reviewing how to provide the Finseta Corporate Card since take-up of the card fell short of expectations.
The firm's 2025 accounts state that all of its activities took place in the United Kingdom. Sister companies in the group serve Canada and the Dubai International Financial Centre.
- **Revenue:** GBP 13mThis entity · 31 Dec 2025 · [annual report ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0)
- **Sells to:** Small businesses · Enterprises · Consumers
- **Serves customers in:** United Kingdom
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#overview-sources)
- **Chief executive:**  James Hickman Chief Executive Officer Confirmed 29 Sep 2026 · [finseta.com ↗](https://finseta.com/about-us/meet-the-team/)
- **Chief financial officer:**  Andrew Richards Chief Financial Officer Confirmed 29 Sep 2026 · [finseta.com ↗](https://finseta.com/about-us/meet-the-team/)
- **Compliance / MLRO:**  Nick Wilson MLRO Confirmed 29 Sep 2026 · [finseta.com ↗](https://finseta.com/about-us/meet-the-team/)
- **Executive:** Jordanna Curtis Chief Operating Officer and Company Secretary Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/officers)
- **Executive:**  Rob O'Brien Chief Commercial Officer Confirmed 29 Sep 2026 · [finseta.com ↗](https://finseta.com/about-us/meet-the-team/)
- **Executive:** Declan Jones Chief Product Officer Confirmed 29 Sep 2026 · [finseta.com ↗](https://finseta.com/about-us/meet-the-team/)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#overview-sources)
1. Sep 2026
Other
Finseta plc reported that one of the group's smaller banking partners withdrew a currency corridor after 30 June 2026.
[investments.halifax.co.uk ↗](https://www.investments.halifax.co.uk/research-centre/news-centre/article/?id=36212678&type=rns)
2. May 2026
Leadership
Joshua Best resigned as a director of the firm on 21 May 2026.
[find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history)
3. Apr 2026
Funding
The parent, Finseta plc, raised about GBP 0.9 million before expenses through a placing, subscription and retail offer at 8.5 pence per share.
[directorstalkinterviews.com ↗](https://www.directorstalkinterviews.com/finseta-raises-0-9-million-as-retail-offer-closes/4121249192)
4. Feb 2026
Leadership
Andrew Richards became chief financial officer and a director of the firm on 20 February 2026, succeeding Judy Happe.
[find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/officers)
5. Sep 2025
Other
The firm completed UK agency banking in the third quarter of 2025, giving it its own sort code and indirect Faster Payments access.
[find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461/filing-history/MzUzMDA5OTIwMmFkaXF6a2N4/document?format=pdf&download=0)
6. Feb 2025
Other
The firm launched the Finseta Corporate Card, which PSI-Pay Ltd issues under a Mastercard licence.
[finseta.com ↗](https://finseta.com/about-us/our-story/)
7. Apr 2024
Other
The firm changed its name from Cornerstone Payment Solutions Ltd to Finseta Payment Solutions Limited on 24 April 2024.
[find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/NI602461)
8. Jan 2024
Other
The parent, then Cornerstone FS plc, signed an agreement with Mastercard to launch a corporate card scheme.
[investegate.co.uk ↗](https://www.investegate.co.uk/announcement/rns/cornerstone-fs--csfs/agreement-with-mastercard-/8001006)
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:** FXPSGB22XXX
- **How the BIC breaks down:** 1. FXPS Bank 2. GB Country · United Kingdom 3. 22 Location · reverse billing 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 254900EXFG23JQSL5W27
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/254900EXFG23JQSL5W27)
- **Licence no. · FCA-EMI:** 941406
- **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 to GLEIF on name, country and address.
- **Register-entry ID:** 87503c3299ec
## Profile
- **Type:** Payments & e-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22#licences)
- **Activities:** - Payment services - E-money / stored value
- **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb)
- **Website (register):** [www.finseta.com ↗](https://www.finseta.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
- **Direct parent:** Finseta PLC · United Kingdom[213800O4IL2RXZ2BZ956 ↗](https://search.gleif.org/#/record/213800O4IL2RXZ2BZ956)
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
## Addresses
- **Registered address:** 1 ELMFIELD AVENUE WARRENPOINT NEWRY BT34 3HQ UNITED KINGDOM
- **Operational address:** COPTHALL HOUSE FLOOR 4 14-18 COPTHALL AVENUE LONDON LONDON EC2R 7DJ 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
FXPSGB22XXX
254900EXFG23JQSL5W27
```
### 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
FXPSGB22XXX
254900EXFG23JQSL5W27
FINSETA PAYMENT SOLUTIONS LIMITED
GB
1 ELMFIELD AVENUE WARRENPOINT NEWRY BT34 3HQ
```
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.
## Network
### Branch codes
| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [FXPSGB22123](https://elucidate.co/directory/finseta-payment-solutions-limited-fxpsgb22-123) | FINSETA PAYMENT SOLUTIONS LTD - ANCILLARY SERVICES | London | COPTHALL HOUSE FLOOR 4 14-18 COPTHALL AVENUE LONDON LONDON EC2R 7DJ UNITED KINGDOM | — | 2025-03-01 |
[See every BIC in United Kingdom →](https://elucidate.co/directory/country/gb#bics)
## Related institutions
### Same name, different BIC
- [Finseta Payment Solutions Limited BIC FINZGB2L Financial institution Not on a tracked register United Kingdom · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/finseta-payment-solutions-limited-finzgb2l)
### 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 Finseta Payment Solutions 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 - E-Money Institutions**—Financial Conduct Authority (FCA) · [register ↗](https://register.fca.org.uk/s/) 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: [finseta.com](https://finseta.com/) (official website) · [original](https://finseta.com/wp-content/uploads/2025/09/LET20LOGO-PrimaryBlue.webp); James Hickman: [finseta.com](https://finseta.com/about-us/meet-the-team/) (official website) · [original](https://finseta.com/wp-content/uploads/2024/09/James-Hickman.jpg); Andrew Richards: [finseta.com](https://finseta.com/about-us/meet-the-team/) (official website) · [original](https://finseta.com/wp-content/uploads/2026/04/Untitled-design-41.png); Nick Wilson: [finseta.com](https://finseta.com/about-us/meet-the-team/) (official website) · [original](https://finseta.com/wp-content/uploads/2023/09/Finseta-1st-100-1-2048x1638.jpg); Rob O'Brien: [finseta.com](https://finseta.com/about-us/meet-the-team/) (official website) · [original](https://finseta.com/wp-content/uploads/2025/05/IMG_9949-1536x2048.jpg).
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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.
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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.