United Kingdom · Payments & e-money
Interpay UK Limited
Interpay UK Limited is a private limited company registered in Northern Ireland under company number NI646806. It trades as TransferMate. The FCA has authorised it as an electronic money institution under the Electronic Money Regulations 2011 since 3 October 2019, reference 900930. It is a subsidiary of the Irish company Transfermate Limited, and its ultimate parent is Clune Technology Investment Group Limited, controlled by Terry Clune. According to its accounts, it provides foreign exchange and cross-border payment services to corporate customers and issues e-money.
Licences and registrations
Held by Interpay UK Limited (LEI 635400W7OL9OEEVQMM96). 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 | 900930 | United Kingdom | Active | 2019-10-03 | — |
|
Search the register ↗ |
Trading names on the register: Transfermate (FCA-EMI), 'Transfermate Global Payments (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
- INYEGB21XXX 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 INYEGB21 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
- 2019-04-06
- Last updated
- 2019-04-06
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
Transfermate Limited
Firm type
FX and business payments
Trades as TransferMate
- Ownership
- Transfermate Limited of Ireland is the direct parent, and Clune Technology Investment Group Limited is the ultimate holding company, with Terry Clune as the ultimate controlling party.
- Direct parent
- Transfermate Limited ↗, Ireland
- Ultimate owner
- Clune Technology Investment Group Limited, Ireland
- Major shareholder
- Terry Clune (person with significant control, ownership of shares 75% or more)
- Head office
- IDA Business and Technology Park, Ring Road, R95 ETN5 Kilkenny, Ireland (registered office: Unit 7a-7b Weavers Court, Weavers Business Park, Belfast, Northern Ireland, BT12 5GH)
- Company register
- Companies House NI646806
- Incorporated
- 2017
- Founder
- Terry Clune
Online
- Websites & references
- transfermate.com ↗
transfermate.io ↗ client platform sign-in and account registration (group)
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 12 pages consulted
- find-and-update.company-information.service.gov.uk/company/NI646806/filing-history/MzUyODA3MTM2NmFkaXF6a2N4/document?format=pdf&download=0
- find-and-update.company-information.service.gov.uk/company/NI646806/officers
- find-and-update.company-information.service.gov.uk/company/NI646806/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/NI646806/filing-history
- transfermate.com/company/regulations
- transfermate.com/
- transfermate.com/legal/terms-and-conditions
- transfermate.com/company/security
- cdn.prod.website-files.com/641b1c191794fb3d99c5f72b/66449d2064039c8781e44064_4.Interpay_UK_Product_Disclosure_Statem
- transfermate.com/post/transfermate-appoints-gary-conroy-as-new-ceo-succeeding-sinead-fitzmaurice
- transfermate.com/post/transfermate-secures-70m-funding-round
- en.wikipedia.org/wiki/TransferMate
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. The authorisation dates from 3 October 2019 and covers payment services and e-money issuance. Other TransferMate group entities hold the brand's licences in the EEA, the US and other countries.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority (FCA) United Kingdom | Authorised Electronic Money Institution | 900930 | In its own name | Active | transfermate.com ↗ |
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 accountsAccording to its 2025 accounts, the firm holds customer funds in designated, segregated safeguarded 'user fund' bank accounts and does not commingle them with its own funds.
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
According to its accounts, the firm is a specialist foreign exchange provider to corporate customers making and receiving international payments. It also issues multi-currency e-money global accounts.
It serves customers from the UK under its FCA authorisation. It also issues TransferMate global accounts to Australian clients, which TransferMate PTY Limited distributes. Its accounts report revenue from the UK, Europe, the USA and the rest of the world.
- Revenue
- GBP 7.46m
- Sells to
- Enterprises · Platforms and marketplaces
- Serves customers in 2 countries
- United Kingdom · Australia
- Latest funding round
- USD 70m May 2022
- Total raised
- USD 130m to May 2022 · transfermate.com ↗
Leadership
Researched 29 Sep 2026 · Sources
- Founder
- Terry Clune Director and Company Secretary; founder of TransferMate
- Executive
- Gary Patrick Conroy Director (Chief Executive Officer of the TransferMate group)
- Executive
- Bríd Saruwatari Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Sinead Fitzmaurice resigned as a director on 14 May 2025. The firm appointed Gary Conroy and Bríd Saruwatari as directors the same day.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
TransferMate announced that Gary Conroy would succeed Sinéad Fitzmaurice as its group Chief Executive Officer.
transfermate.com ↗ -
Funding
The firm issued 417,610 new GBP 1 ordinary shares in 2024, raising its share capital to GBP 729,609, according to its accounts.
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.
Identifiers
Head-office record
- BIC
- INYEGB21XXX
- How the BIC breaks down
- INYEBank
- GBCountry · United Kingdom
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 635400W7OL9OEEVQMM96
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900930
- 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
- 9b1aa2557648
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
- Website (register)
- www.transfermate.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
- Transfermate Limited · Ireland635400WPBTE8VUXI6L87 ↗
Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- ARNOTT HOUSE FLOOR 3 12-16 BRIDGE STREET BELFAST BT1 1LU UNITED KINGDOM
- Operational address
- ARNOTT HOUSE FLOOR 3 12-16 BRIDGE STREET BELFAST BELFAST BT1 1LU 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>INYEGB21XXX</BICFI>
<LEI>635400W7OL9OEEVQMM96</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>INYEGB21XXX</BICFI>
<LEI>635400W7OL9OEEVQMM96</LEI>
<Nm>INTERPAY UK LIMITED</Nm>
<PstlAdr>
<TwnNm>BELFAST</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>ARNOTT HOUSE FLOOR 3 12-16 BRIDGE STREET BELFAST BT1 1LU</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
- 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: transfermate.com (official website) · original.
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