United Kingdom · Payments & e-money
Fire Financial Services Limited
Fire Financial Services Limited is a private limited company incorporated in England and Wales in 2018, with its head office in London. The FCA authorises it as an electronic money institution under reference 900983, and it trades as Fire and fire.com. It is wholly owned by the Irish company of the same name (Fire-EU), which the Central Bank of Ireland authorises as a payment institution and which Colm Lyon ultimately controls. The firm offers sterling and euro accounts, bank transfers, Mastercard debit cards, FX payouts and open banking payments, principally to UK businesses, through a web app and the Fire Payments API.
Licences and registrations
Held by Fire Financial Services Limited (LEI 6488M029H0IA850KMQ79). 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 | 900983 | United Kingdom | Active | 2019-06-28 | — |
|
Search the register ↗ |
Trading names on the register: fire.com (FCA-EMI), Fire (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.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- FIFVGB21XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of FIFVGB21 marks a passive participant.
- 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
- 2018-12-01
- Last updated
- 2018-12-01
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
100% Fire Financial Services Limited (Fire-EU)
Firm type
E-money and accounts
Trades as Fire (fire.com)
- Ownership
- Fire Financial Services Limited (Fire-EU), an Irish company, owns 100% of the firm. According to the 2025 accounts, Burren Tech Holdings Limited of the Isle of Man owns a majority of Fire-EU and Colm Lyon ultimately controls it.
- Direct parent
- Fire Financial Services Limited (Fire-EU), Ireland 100%
- Ultimate owner
- Burren Tech Holdings Limited, Isle of Man
- Major shareholder
- Fire Financial Services Limited (Fire-EU, Ireland) 100% · 30 Apr 2025
- Head office
- The Rise, 41 Luke Street, EC2A 4DP London, United Kingdom
- Company register
- Companies House 11549793
- Incorporated
- 3 Sep 2018
- Founder
- Colm Lyon
Online
- Websites & references
- fire.com ↗
business.fire.com ↗ Fire for Business customer sign-in - Official social accounts
- LinkedIn ↗ · X ↗
Sources · 16 pages consulted
- find-and-update.company-information.service.gov.uk/company/11549793
- find-and-update.company-information.service.gov.uk/company/11549793/officers
- find-and-update.company-information.service.gov.uk/company/11549793/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/11549793/filing-history
- find-and-update.company-information.service.gov.uk/company/11549793/filing-history/MzUwMTM0NjcxOWFkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/s/firm?id=0010X00004T8diIQAR
- fire.com/
- fire.com/about/regulatory-status/
- fire.com/about/team/
- fire.com/about/
- fire.com/legal/business-terms-conditions/
- fire.com/legal/personal-terms-conditions/
- fire.com/legal/how-we-keep-your-money-safe/
- fire.com/support/faqs/
- centralbank.ie/news/article/fire-financial-services-limited-(clone)---central-bank-of-ireland-issues-war
- psr.org.uk/media/gsxk2v21/fps-participants-list-june-2024.pdf
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, reference 900983, since 28 June 2019. Its Irish parent, Fire-EU, holds a separate payment institution authorisation from the Central Bank of Ireland (C58301).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900983 | 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.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it segregates customer funds from its own assets and safeguards them in designated safeguarding accounts at regulated financial institutions. It states that it does not invest or lend these funds.
- Payment schemes and card networks
- Faster Payments Access not stated find-and-update.company-information.service.gov.uk ↗
Bacs Access not stated find-and-update.company-information.service.gov.uk ↗
Mastercard Through a partner find-and-update.company-information.service.gov.uk ↗
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
The firm provides e-money accounts with UK account numbers, Faster Payments and Bacs transfers, Mastercard debit cards, multi-currency payouts and open banking payment acceptance. It sells these mainly to businesses integrating payments through its API. UK-resident individuals can also open personal accounts.
The firm serves customers in the UK under its FCA authorisation. The Fire group serves Irish and EEA customers through its Irish sister entity.
- Revenue
- GBP 1.38m
- Sells to
- Small businesses · Enterprises · Financial institutions · Platforms and marketplaces · Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Colm Lyon CEO and founder; director and company secretary
- Chair
-
Michael Smith
Chair - Fire UK
- Compliance / MLRO
-
Chris Townsend
Compliance, Risk & Oversight Officer, MLRO - Fire UK
- Executive
-
Chris Davies
Director - Fire UK (non-executive)
- Executive
-
Mark DeRocher
Chief Operating Officer (Fire group)
- Executive
-
David Wilson
Chief Technology Officer (Fire group)
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Patrick Donohoe stepped down as a director and as company secretary of the firm on 20 May 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Patrick Donohoe as a director and company secretary on 29 September 2025.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Paul Davey resigned as a director and company secretary on 25 September 2024. Colm Lyon became company secretary.
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.
Regulator warnings
Researched 29 Sep 2026 · Sources
-
Impersonation Central Bank of Ireland, Ireland
The Central Bank of Ireland warned that a clone firm was using the name, address and authorisation number of the Irish sister company Fire-EU in an inheritance scam.
centralbank.ie ↗ -
Impersonation Central Bank of Ireland, Ireland
The Central Bank of Ireland warned that a fraudulent firm was cloning Fire Financial Services Limited, trading as fire.com and Fire.
centralbank.ie ↗
Entries on regulators’ consumer-warning lists that name the firm or its brand. An impersonation warning is about fraudsters posing as the firm, not about the firm itself.
Identifiers
Head-office record
- BIC
- FIFVGB21XXX
- How the BIC breaks down
- FIFVBank
- GBCountry · United Kingdom
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 6488M029H0IA850KMQ79
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900983
- 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
- a6fbf17041d4
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
- 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
- THE RISE 41 LUKE STREET LONDON EC2A 4DP UNITED KINGDOM
- Operational address
- 41 LUKE STREET LONDON LONDON EC2A 4DP 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
<FinInstnId>
<BICFI>FIFVGB21XXX</BICFI>
<LEI>6488M029H0IA850KMQ79</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>FIFVGB21XXX</BICFI>
<LEI>6488M029H0IA850KMQ79</LEI>
<Nm>FIRE FINANCIAL SERVICES LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>THE RISE 41 LUKE STREET LONDON EC2A 4DP</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
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: fire.com (official website) · original; Michael Smith: fire.com (official website) · original; Chris Townsend: fire.com (official website) · original; Chris Davies: fire.com (official website) · original; Mark DeRocher: fire.com (official website) · original; David Wilson: fire.com (official website) · original.
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