---
title: "Hifx Europe Limited SWIFT/BIC code HIFXGB2LXXX · United Kingdom | Elucidate"
description: "Licensed in the United Kingdom: Authorised Payment Institution (FCA). SWIFT/BIC code HIFXGB2LXXX for Hifx Europe Limited, United Kingdom. Head-office BIC."
url: https://elucidate.co/directory/hifx-europe-limited-hifxgb2l
---
1. [Directory](https://elucidate.co/directory)
2. [United Kingdom](https://elucidate.co/directory/country/gb)
3. Hifx Europe Limited
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.
Register status
Licensed in the United Kingdom
Authorised Payment Institution · FCA
Prudential licence
[1 licence or registration ↓](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#licences)
BIC **HIFXGB2LXXX** LEI **[213800H3COEKQ1BZJU21](https://search.gleif.org/#/record/213800H3COEKQ1BZJU21)** [Licence no. **462444**](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#licences) Connected to Swift Swift GPI live member Head-office BIC only [Group: Euronet Worldwide, Inc.](https://elucidate.co/directory/group/YG3575C4DSHJPA5KET68) [Claim this profile](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#claim)
## 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 & 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 | 462444 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2018-01-13 | — | - Payment services | [Search the register ↗](https://register.fca.org.uk/s/) |
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 Swift
- **Swift GPI:** Live member
- **Payment schemes and systems:** [SCT Inst · TIPS](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#schemes)
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2005-01-01
- **Last updated:** 2026-01-08
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#overview-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. ↗](https://search.gleif.org/#/record/YG3575C4DSHJPA5KET68), 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 ↗](https://www.xe.com/) [help.xe.com ↗](https://help.xe.com/hc/en-gb) help centre with UK regulatory information and terms [transfer.xe.com ↗](https://transfer.xe.com/) document host for regulatory and complaints PDFs [Wikipedia ↗](https://en.wikipedia.org/wiki/XE.com) group article
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/xecurrencyauthority/) · [X ↗](https://twitter.com/xe) · [Facebook ↗](https://www.facebook.com/xecom) · [Instagram ↗](https://www.instagram.com/xe_global/) · [YouTube ↗](https://www.youtube.com/@xe_global) · [TikTok ↗](https://www.tiktok.com/@xe_global?lang=en)
Sources · 13 pages consulted
1. [help.xe.com/hc/en-gb/articles/360020236157-United-Kingdom-UK-Regulatory-Information](https://help.xe.com/hc/en-gb/articles/360020236157-United-Kingdom-UK-Regulatory-Information)
2. [help.xe.com/hc/en-gb/articles/360019800437-United-Kingdom-UK-Consumer-Terms](https://help.xe.com/hc/en-gb/articles/360019800437-United-Kingdom-UK-Consumer-Terms)
3. [register.fca.org.uk/s/firm?id=001b000000MfYX6AAN](https://register.fca.org.uk/s/firm?id=001b000000MfYX6AAN)
4. [find-and-update.company-information.service.gov.uk/company/03517451](https://find-and-update.company-information.service.gov.uk/company/03517451)
5. [find-and-update.company-information.service.gov.uk/company/03517451/officers](https://find-and-update.company-information.service.gov.uk/company/03517451/officers)
6. [find-and-update.company-information.service.gov.uk/company/03517451/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/03517451/persons-with-significant-control)
7. [fsc.gi/regulated-entity/hifx-europe-limited-17805](https://www.fsc.gi/regulated-entity/hifx-europe-limited-17805)
8. [fca.org.uk/news/warnings/hifx-clone](https://www.fca.org.uk/news/warnings/hifx-clone)
9. [xe.com/](https://www.xe.com/)
10. [transfer.xe.com/docs/regulatoryinfo\_xemtuk.pdf](https://transfer.xe.com/docs/regulatoryinfo_xemtuk.pdf)
11. [britline.com/support/bips\_security\_about-xe](https://www.britline.com/support/bips_security_about-xe)
12. [help.internationalpayments.johnlewismoney.com/hc/en-gb/sections/33132640061585](https://help.internationalpayments.johnlewismoney.com/hc/en-gb/sections/33132640061585)
13. [en.wikipedia.org/wiki/XE.com](https://en.wikipedia.org/wiki/XE.com)
## Authorisation
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#overview-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 ↗](https://register.fca.org.uk/s/firm?id=001b000000MfYX6AAN) |
| 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/hifx-europe-limited-17805) |
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/hifx-europe-limited-hifxgb2l#overview-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. [help.xe.com ↗](https://help.xe.com/hc/en-gb/articles/360019800437-United-Kingdom-UK-Consumer-Terms)
- **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](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#overview-sources)
- International money transfer
- FX conversion
- FX hedging
- Cash pick-up
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](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#overview-sources)
- **Executive:** Juan C. Bianchi Director (also EVP and CEO, Money Transfer segment, Euronet Worldwide) Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/03517451/officers)
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#overview-sources)
1. Jul 2025
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 ↗](https://find-and-update.company-information.service.gov.uk/company/03517451/persons-with-significant-control)
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](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#overview-sources)
1. 15 Jun 2015
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 ↗](https://www.fca.org.uk/news/warnings/hifx-clone)
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:** 1. HIFX Bank 2. GB Country · United Kingdom 3. 2L Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 213800H3COEKQ1BZJU21
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/213800H3COEKQ1BZJU21)
- **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-money
- **Regulation:** Prudential licence
- **Register licences:** [1 entry on 1 register](https://elucidate.co/directory/hifx-europe-limited-hifxgb2l#licences)
- **Activities:** - Payment services
- **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb)
- **Website (register):** [www.xe.com ↗](https://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 States[YG3575C4DSHJPA5KET68 ↗](https://search.gleif.org/#/record/YG3575C4DSHJPA5KET68)
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](https://elucidate.co/directory/euronet-360-finance-limited-epcsgb2l), [Ria Lithuania Uab](https://elucidate.co/directory/ria-lithuania-uab-rilalt22), [Ria Payment Institution, EP, S.A.](https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912), [Dandelion Payments, Inc.](https://elucidate.co/directory/dandelion-payments-inc-riaius66), [Xe Corporation](https://elucidate.co/directory/xe-corporation-hifxcatt).
[See the Euronet Worldwide, Inc. group →](https://elucidate.co/directory/group/YG3575C4DSHJPA5KET68)
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
```xml
HIFXGB2LXXX
213800H3COEKQ1BZJU21
```
### 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
HIFXGB2LXXX
213800H3COEKQ1BZJU21
HIFX EUROPE LIMITED
BRACKNELL
GB
1 ARLINGTON SQUARE, DOWNSHIRE WAY BRACKNELL RG12 1WA
```
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.
## Related institutions
### Same group
- [Euronet 360 Finance Limited BIC EPCSGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900009 (FCA-EMI) · LEI 549300YW06JHD2TT6Z37](https://elucidate.co/directory/euronet-360-finance-limited-epcsgb2l)
- [Ria Lithuania Uab BIC RILALT22 Payments & e-money Prudential licence Lithuania · Licensed by Bank of Lithuania · LB002021 (EBA-PSD2) · LEI 549300VDSXMAERRE0J80](https://elucidate.co/directory/ria-lithuania-uab-rilalt22)
- [Ria Payment Institution, EP, S.A. No BIC Payments & e-money Prudential licence Spain · Licensed by Bank of Spain · 6842 (EBA-PSD2) · LEI 959800MZ9RKV1PTRP895](https://elucidate.co/directory/ria-payment-institution-ep-s-a-4ea3a7a4c912)
- [Dandelion Payments, Inc. BIC RIAIUS66 Money service business AML registration only United States · Registered with FinCEN (FINCEN-MSB) · LEI UUUAZ6TU8W2Q6HG0WH41](https://elucidate.co/directory/dandelion-payments-inc-riaius66)
- [Xe Corporation BIC HIFXCATT Money service business AML registration only Canada · Registered with FINTRAC · C100000469 (FINTRAC-MSB) · LEI 9845007E6BD2E3F3D183](https://elucidate.co/directory/xe-corporation-hifxcatt)
- [Hifx Australia Pty LTD BIC HIFXAU2S Financial institution Not on a tracked register Australia · Not on a tracked register · LEI 894500UUX2FYTG9YFH69](https://elucidate.co/directory/hifx-australia-pty-ltd-hifxau2s)
[All 7 institutions in the Euronet Worldwide, Inc. group →](https://elucidate.co/directory/group/YG3575C4DSHJPA5KET68)
### 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 Hifx Europe 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
- **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 ↗](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: [xe.com](https://www.xe.com/) (official website).
## Assess the financial crime risk behind a BIC
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[Book a demo](https://elucidate.co/demo-request)
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.