United Kingdom · Payments & e-money
Isx Financial UK LTD
ISX Financial UK Ltd is a private limited company incorporated in the United Kingdom in 2016, with its registered office in London. The Financial Conduct Authority (FCA) authorises it as an electronic money institution under the Electronic Money Regulations 2011, with firm reference 901034. It is a wholly owned subsidiary of Xryma Plc of Cyprus, formerly ISX Financial EU Plc. It trades as ISX Financial, ISXPay, ISXMoney, PaidBy and flykk, and offers corporate e-money accounts, payments, open banking and identity verification, mainly to businesses. Its name was iSignthis UK Ltd until June 2020.
Licences and registrations
Held by Isx Financial UK LTD (LEI 2138007BDV9IRS8AYD07). 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 | 901034 | United Kingdom | Active | 2020-09-11 | — |
|
Search the register ↗ |
Trading names on the register: Paydentity (FCA-EMI), Paidby (FCA-EMI), iSXPay (FCA-EMI), iSXMoney (FCA-EMI), Flykk (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
- ISFIGB22XXX 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 ISFIGB22 marks reverse billing.
- 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
- 3 branch codes
- Other BIC with this LEI
- ISFIGB32
- BIC first registered
- 2021-06-05
- Last updated
- 2026-05-16
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
100% Xryma Plc
Firm type
E-money and accounts
Trades as ISX Financial
- Standing
- The firm's parent, ISX Financial EU Plc, changed its name to Xryma Plc in March 2026. The firm's own name did not change.
- Ownership
- Xryma Plc of Cyprus, formerly ISX Financial EU Plc, owns 100% of the firm.
- Direct parent
- Xryma Plc, Cyprus 100%
- Head office
- Fieldfisher Riverbank House, 2 Swan Lane, EC4R 3TT London, United Kingdom
- Company register
- Companies House 10002662
- Incorporated
- 12 Feb 2016
- Former name
- ISIGNTHIS UK LTD
Online
- Websites & references
- isx.financial ↗
isx.money ↗ ISXMoney customer login portal - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗
Sources · 12 pages consulted
- register.fca.org.uk/s/firm?id=0010X00004dtOC7QAM
- find-and-update.company-information.service.gov.uk/company/10002662
- find-and-update.company-information.service.gov.uk/company/10002662/officers
- isx.financial/aboutisxuk
- isx.financial/legalprivacyuk
- isx.financial/fundsafeguardsuk
- isx.financial/contact
- isx.financial/corporateaccounts
- isx.financial/complaintsmanagementuk
- isx.financial/
- prnewswire.com/news-releases/isx-financial-eu-plc-announces-corporate-name-change-to-xryma-plc-302722301
- webdisclosure.com/press-release/xryma-plc-etr-xryma-plc-reports-steady-h1-2026-results-while-positioning-th
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 (firm reference 901034). According to the FCA register, the authorisation has applied since 11 September 2020 and covers issuing e-money and providing payment services.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 901034 | In its own name | Active | register.fca.org.uk ↗ |
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 it holds customer funds in segregated accounts, separate from its own funds, at credit institutions in the United Kingdom.
- Payment schemes and card networks
- Swift Direct isx.financial ↗
Faster Payments Access not stated isx.financial ↗
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 issues UK corporate e-money accounts with their own sort codes and account numbers under its BIC ISFIGB22. It also offers multi-currency accounts in 23 currencies, PaidBy open banking payments, mass payouts and Paydentity identity verification.
According to its UK legal notice, it serves customers in the UK, Gibraltar, the Channel Islands, the Isle of Man and the rest of the world outside the EEA. Its Cypriot parent serves customers in the EEA.
- Sells to
- Small businesses · Enterprises · Financial institutions · Consumers
- Serves customers in 5 countries
- United Kingdom · Gibraltar · Jersey · Guernsey · Isle of Man
Leadership
Researched 29 Sep 2026 · Sources
- Chair
-
Paul Barnes
Independent Chairman
- Chief financial officer
- Ajay Treon Executive Director & Group CFO
- Compliance / MLRO
-
Serge Prostran
Chief Compliance Officer
- Executive
-
Paul Musgrave
Executive General Manager UK
- Executive
- Christakis (Takis) Taoushanis Independent Non-Executive Director
- Executive
- Vincent Gros Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
The firm's parent, ISX Financial EU Plc, changed its name to Xryma Plc after shareholder approval.
prnewswire.com ↗ -
Leadership
The firm appointed Vincent Gros as a director on 14 March 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Nikogiannis Karantzis, Group Chief Executive Officer of the parent, resigned as a director of the firm on 16 October 2025.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Group Chief Financial Officer Ajay Treon as a director on 30 September 2025.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Panikos Pouros as an independent non-executive director on 26 June 2024.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Director Harinder Pal Singh resigned from the firm's board on 5 October 2023.
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
- ISFIGB22XXX
- How the BIC breaks down
- ISFIBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 2138007BDV9IRS8AYD07
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 901034
- 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
- 19d00cd4d082
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.isx.financial ↗
- 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
- Xryma PLC · Cyprus213800NGHVYL5PFZI692 ↗
The Xryma PLC group has 3 institutions in the directory, in 2 countries: all hold a BIC.
Including Xryma PLC.
See the Xryma PLC group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- FIELDFISHER, RIVERBANK HOUSE 2 SWAN LANE LONDON EC4R 3TT UNITED KINGDOM
- Operational address
- 25 LEXINGTON STREET FLOOR 1 LONDON LONDON W1F 9AG 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>ISFIGB22XXX</BICFI>
<LEI>2138007BDV9IRS8AYD07</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>ISFIGB22XXX</BICFI>
<LEI>2138007BDV9IRS8AYD07</LEI>
<Nm>ISX FINANCIAL UK LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>FIELDFISHER, RIVERBANK HOUSE 2 SWAN LANE LONDON EC4R 3TT</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.
Network
Branch network
All 3 branch BICs connect to the head office. They are all in London, and no function or registration year splits them further.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| ISFIGB22GBB | — | London | 25 LEXINGTON STREET FLOOR 1 LONDON LONDON W1F 9AG UNITED KINGDOM | 2138007BDV9IRS8AYD07 | 2026-05-16 |
| ISFIGB22GBR | — | London | 25 LEXINGTON STREET FLOOR 1 LONDON LONDON W1F 9AG UNITED KINGDOM | 2138007BDV9IRS8AYD07 | 2026-05-16 |
| ISFIGB22IBU | — | London | 25 LEXINGTON STREET FLOOR 1 LONDON LONDON W1F 9AG UNITED KINGDOM | 2138007BDV9IRS8AYD07 | 2026-05-16 |
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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: isx.financial (official website) · original; Paul Barnes: isx.financial (official website) · original; Serge Prostran: isx.financial (official website) · original; Paul Musgrave: isx.financial (official website) · original.
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