United Kingdom · Payments & e-money
Hifx Europe Limited
HiFX Europe Limited is a private limited company registered in England and Wales, with its registered office in Bracknell. The FCA authorises it as a payment institution under the Payment Services Regulations 2017, reference 462444. The firm trades as Xe and provides the Xe Money Transfer service to customers in the United Kingdom. It is a subsidiary of Euronet Worldwide, Inc., which is listed on NASDAQ. It offers foreign exchange and international payment services to consumers and businesses. It also provides the international payments service offered under the John Lewis Money and CA Britline names.
Licences and registrations
Held by Hifx Europe Limited (LEI 213800H3COEKQ1BZJU21). 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 | 462444 | United Kingdom | Active | 2018-01-13 | — |
|
Search the register ↗ |
Trading names on the register: XE (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
- HIFXGB2LXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under HIFXGB2L directly.
- Swift GPI
- Live member
- Payment schemes and systems
- SCT Inst · TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2005-01-01
- Last updated
- 2026-01-08
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
Euronet Worldwide, Inc.
Firm type
FX and business payments
Trades as Xe
- Ownership
- The firm's terms describe it as a wholly owned subsidiary of Euronet Worldwide, Inc., and Companies House records one corporate person with significant control holding 75% or more of the shares.
- Direct parent
- Euronet Worldwide, Inc. ↗, United States
- Head office
- 1 Arlington Square, Downshire Way, RG12 1WA Bracknell, United Kingdom
- Company register
- Companies House 03517451
- Incorporated
- 26 Feb 1998
- Former names
- HiFX Limited · HiFX Plc · Wildchange Limited
Online
- Websites & references
- xe.com ↗
help.xe.com ↗ help centre with UK regulatory information and terms
transfer.xe.com ↗ document host for regulatory and complaints PDFs
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · TikTok ↗
Sources · 13 pages consulted
- help.xe.com/hc/en-gb/articles/360020236157-United-Kingdom-UK-Regulatory-Information
- help.xe.com/hc/en-gb/articles/360019800437-United-Kingdom-UK-Consumer-Terms
- register.fca.org.uk/s/firm?id=001b000000MfYX6AAN
- find-and-update.company-information.service.gov.uk/company/03517451
- find-and-update.company-information.service.gov.uk/company/03517451/officers
- find-and-update.company-information.service.gov.uk/company/03517451/persons-with-significant-control
- fsc.gi/regulated-entity/hifx-europe-limited-17805
- fca.org.uk/news/warnings/hifx-clone
- xe.com/
- transfer.xe.com/docs/regulatoryinfo_xemtuk.pdf
- britline.com/support/bips_security_about-xe
- help.internationalpayments.johnlewismoney.com/hc/en-gb/sections/33132640061585
- en.wikipedia.org/wiki/XE.com
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as a payment institution under the Payment Services Regulations 2017, reference 462444. The Gibraltar Financial Services Commission register lists it with incoming money remittance permission from the United Kingdom.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 462444 | In its own name | Active | register.fca.org.uk ↗ |
| Gibraltar Financial Services Commission Gibraltar | Payment Services Directive: incoming services from the United Kingdom (money remittance) | — | In its own name | Active | fsc.gi ↗ |
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
- Insurance or guaranteeThe firm states that it safeguards relevant funds with a comparable guarantee from an authorised insurer or credit institution until payout, and that these funds are not protected by the Financial Services Compensation Scheme.
- Payment schemes and card networks
- Swift Direct
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
It sells spot foreign exchange with onward payment to third parties, as well as forward trades, limit orders and a cash pickup service. It also provides the international payments service offered to UK clients under the John Lewis Money and CA Britline names.
It serves UK-registered customers under its FCA authorisation and is registered to provide money remittance in Gibraltar. The group serves EEA clients through its sister company Xe Europe B.V.
- Sells to
- Consumers · Small businesses · Enterprises · Financial institutions
- Serves customers in 2 countries
- United Kingdom · Gibraltar
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Juan C. Bianchi Director (also EVP and CEO, Money Transfer segment, Euronet Worldwide)
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Companies House recorded a new person with significant control, a Delaware-law company based in Leawood, Kansas, replacing an Amsterdam-based company.
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 Financial Conduct Authority, United Kingdom
The FCA warned that fraudsters using the website hifx-asia.com were posing as the firm, then named HiFX PLC.
fca.org.uk ↗
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
- HIFXGB2LXXX
- How the BIC breaks down
- HIFXBank
- GBCountry · United Kingdom
- 2LLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800H3COEKQ1BZJU21
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 462444
- 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
- e8defbf5128e
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.xe.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
- Euronet Worldwide, Inc. · United StatesYG3575C4DSHJPA5KET68 ↗
The Euronet Worldwide, Inc. group has 7 institutions in the directory, in 6 countries: 6 hold a BIC and 1 does not.
Including Euronet 360 Finance Limited, Ria Lithuania Uab, Ria Payment Institution, EP, S.A., Dandelion Payments, Inc., Xe Corporation.
See the Euronet Worldwide, Inc. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 1 ARLINGTON SQUARE, DOWNSHIRE WAY BRACKNELL RG12 1WA UNITED KINGDOM
- Operational address
- 1 ARLINGTON SQUARE, DOWNSHIRE WAY BRACKNELL BRACKNELL RG12 1WA 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>HIFXGB2LXXX</BICFI>
<LEI>213800H3COEKQ1BZJU21</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>HIFXGB2LXXX</BICFI>
<LEI>213800H3COEKQ1BZJU21</LEI>
<Nm>HIFX EUROPE LIMITED</Nm>
<PstlAdr>
<TwnNm>BRACKNELL</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>1 ARLINGTON SQUARE, DOWNSHIRE WAY BRACKNELL RG12 1WA</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.
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 Instant Credit TransferISO 20022 messages | 2021-12-06 | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“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. Source: European Central Bank, List of TIPS participants and reachable parties.
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ 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: xe.com (official website).
Assess the financial crime risk behind a BIC
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