United Kingdom · Payments & e-money

incuto Limited

BICNo BIC LEINo LEI mapped Licence no.917341

Licences and registrations

Held by incuto Limited. 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 & RAISPsFCA	Small Payment InstitutionPayment Institution	917341	United Kingdom	Active	2020-09-30	—	Payment services	Search the register ↗

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.

Swift network

Swift’s ISO 9362 BIC directory

Holds no BIC in Swift’s directory. No LEI is matched to this entry, and BICs are linked by LEI only.

Identifiers

Licence no. · FCA-PSD: 917341
BIC: Holds no BIC in Swift’s directory
LEI: No LEI mapped
Companies House no.: 10228476 ↗
Elucidate firm ID: e96060e842f9

Profile

Type: Payments & e-money
Regulation: Small-firm registration
Main licence class: Payment Institution
Activities: Payment services
Licensed in: United Kingdom · Europe & Central Asia
First registered: 2020-09-30
Website: www.incuto.com ↗

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

No LEI is matched to this entry, so GLEIF relationship records cannot be linked.

Persons with significant control

Companies House · company 10228476 ↗ · as at 9 October 2026

Companies House lists 1 person with significant control for Incuto Limited: 1 individual.

Name	Type	Nature of control	Notified
John Gilbert Neasham	Individual	Significant influence or control	13 January 2023

Companies report persons with significant control to Companies House. Elucidate has not verified them.

A person with significant control holds more than 25% of the shares or votes, can appoint or remove the board, or has significant influence or control. Dates of birth and addresses are not shown.

Matched on the Companies House number that the FCA register gives for this firm.

See the register at Companies House ↗

Addresses

Address on the register: Holiday House, Valley Drive, Ilkley, LS29 8PB
Country: United Kingdom

ISO 20022 identification

As an agent in a Swift cross-border payment message (CBPR+)

This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.

Identified by: Name and postal address. No LEI or clearing code is mapped in the directory
Postal address: Hybrid: town, postcode and country in their own elements, the rest in one address line

<FinInstnId>
  <Nm>incuto Limited</Nm>
  <PstlAdr>
    <PstCd>LS29 8PB</PstCd>
    <TwnNm>Ilkley</TwnNm>
    <Ctry>GB</Ctry>
    <AdrLine>Holiday House, Valley Drive</AdrLine>
  </PstlAdr>
</FinInstnId>

CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.

The values are as published by the register. Check them against your own records before use.

Sources & method

Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.

An institution missing from these registers is not necessarily unregulated.

Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.

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 →

FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · source ↗ as at 25 September 2026
Persons with significant control—Companies House · source ↗ as at 9 October 2026

Assess the financial crime risk behind a licence

A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.

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