United Kingdom · Payments & e-money
Gemba Finance LTD
Gemba Finance Ltd is a private limited company incorporated in England and Wales in 2017. Its head office is at One Canada Square, Canary Wharf, London. The FCA has authorised the firm as an Authorised Payment Institution under the Payment Services Regulations 2017 since 13 March 2019 (FRN 804853). Its founder and chief executive, Alexander Legoshin, holds 75% or more of its shares. Under the Gemba brand it offers businesses multi-currency payment accounts with IBANs, domestic and cross-border payments and currency exchange. It also runs a white-label platform that lets partner firms offer these services under its authorisation. Stripe issues the commercial cards linked to Gemba accounts under its own e-money licences.
Licences and registrations
Held by Gemba Finance LTD (LEI 2138008LQAHZJRBA1V88). 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 - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 804853 | United Kingdom | Active | 2019-03-13 | — |
|
Search the register ↗ |
Trading names on the register: GEMBA (FCA-PSD)
- 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
- GEEIGB22XXX 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 GEEIGB22 marks reverse billing.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2019-06-01
- Last updated
- 2025-05-24
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Privately held
Firm type
Banking as a service
Trades as Gemba
- Ownership
- According to Companies House, Alexander Legoshin is the sole person with significant control, holding 75% or more of the shares and voting rights.
- Major shareholder
- Alexander Legoshin
- Head office
- Level 39, One Canada Square, Canary Wharf, E14 5AB London, United Kingdom
- Company register
- Companies House 11040011
- Incorporated
- 31 Oct 2017
- Founders
- Alexander Legoshin · Vladimir Dereviagin
Online
- Websites & references
- ge.mba ↗
my.ge.mba ↗ online banking login
docs.ge.mba ↗ API documentation
status.ge.mba ↗ status page
support.ge.mba ↗ help centre - Official social accounts
- None found
- Apps
- App Store ↗ · Google Play ↗
Sources · 15 pages consulted
- find-and-update.company-information.service.gov.uk/company/11040011
- find-and-update.company-information.service.gov.uk/company/11040011/officers
- find-and-update.company-information.service.gov.uk/company/11040011/persons-with-significant-control
- ge.mba/
- ge.mba/terms
- my.ge.mba/docs/tcagree
- ge.mba/pages/team
- ge.mba/pages/documents
- ge.mba/pages/faq
- support.ge.mba/en/articles/5521922
- ge.mba/posts/gemba-appoints-former-j-p-morgan-and-goldman-sachs-executive-robert-wade-as-fractio
- globenewswire.com/news-release/2026/01/14/3218434/0/en/Gemba-Appoints-Fintech-Veteran-Georg-Hauer-as-Strate
- prnewswire.com/news-releases/gemba-ignites-fintech-in-a-box-revolution-launches-on-microsoft--google-mar
- ge.mba/posts/gemba-to-join-jpmorganchase-fintech-forward-programme-to-accelerate-innovation-in-f
- ge.mba/pages/about
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- Stripe Payments UK Limited, United Kingdom Issuer of the Gemba commercial cards and of the e-money held on them for UK cardholders; Stripe Technology Europe Limited issues them for EEA cardholders
The FCA authorises the firm as an Authorised Payment Institution (FRN 804853), and its payment accounts are provided under that authorisation. Partner firms using its white-label platform operate under the firm's authorisation. Its commercial cards are issued by Stripe Payments UK Limited, which the FCA authorises as an electronic money institution. For EEA cardholders the issuer is Stripe Technology Europe Limited, which the Central Bank of Ireland authorises as an electronic money institution.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 804853 | 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
- Safeguarding
- Segregated safeguarding accountsThe firm states that as a UK payment institution it segregates clients' funds and uses them only to carry out clients' payment instructions. Funds moved onto a commercial card are safeguarded by the card issuer, Stripe.
- Card issuer · Safeguarding bank
- Stripe Payments UK Limited United Kingdom
- Card issuer · Safeguarding bank
- Stripe Technology Europe Limited Ireland
- Settlement bank
- ClearBank United Kingdom
- Settlement bank
- JPMorgan
- Settlement bank
- Dukascopy Bank Switzerland
- Settlement bank
- UBS Switzerland
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 offers payment accounts with IBANs in 16 currencies, including GBP, EUR, USD, CAD and CHF, with bulk payouts and account-to-card payouts. Its white-label platform lets partners launch branded banking portals under its authorisation. Stablecoin payouts and open banking are described as pilots.
The firm serves customers from the UK under its FCA authorisation. It offers international payments and issues Stripe commercial cards to cardholders in the UK and the EEA.
- Sells to
- Platforms and marketplaces · Small businesses · Enterprises · Financial institutions · Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Alexander Legoshin CEO and Founder; Director
- Chief financial officer
-
Denis Reznik
CFO
- Executive
- Ugis Latsons COO; Director
- Founder
- Vladimir Dereviagin Co-founder; Director
- Executive
-
Robert Wade
Fractional Chief Revenue Officer
- Executive
-
Parveen Dhanda
co-COO
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed Robert Wade, formerly of J.P. Morgan, as Fractional Chief Revenue Officer.
ge.mba ↗ -
Leadership
The firm appointed Georg Hauer, former General Manager of N26, as strategic advisor for UK, EU and US expansion.
globenewswire.com ↗ -
Other
The firm listed its white-label banking platform on the Microsoft Commercial Marketplace and Google Cloud Marketplace.
prnewswire.com ↗ -
Other
The firm was selected for the JPMorgan Chase Fintech Forward Programme, a 12-week accelerator developed with EY.
ge.mba ↗
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
- GEEIGB22XXX
- How the BIC breaks down
- GEEIBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 2138008LQAHZJRBA1V88
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 804853
- 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
- a11dee3e4afd
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
- Licensed in
- United Kingdom
- Website (register)
- www.ge.mba ↗
- 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
- UNITED KINGDOM
- Operational address
- 1 CANADA SQUARE CANARY WHARF LONDON LONDON E14 5AB 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>GEEIGB22XXX</BICFI>
<LEI>2138008LQAHZJRBA1V88</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>GEEIGB22XXX</BICFI>
<LEI>2138008LQAHZJRBA1V88</LEI>
<Nm>GEMBA FINANCE LTD</Nm>
</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.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2020-04-13 | Head office | — |
SEPA dates are when the institution became ready for the scheme.
An institution missing from T2 may still be reachable through an indirect participant.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
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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
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- FCA Financial Services Register - Payment Institutions & RAISPs—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: ge.mba (official website) · original; Denis Reznik: ge.mba (official website) · original; Robert Wade: ge.mba (official website) · original; Parveen Dhanda: ge.mba (official website) · original.
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