United Kingdom · Payments & e-money
Key Currency Limited
Key Currency Limited is a private limited company registered in England and Wales, with its head office in Truro, Cornwall. The Financial Conduct Authority (FCA) authorises it as an Authorised Payment Institution under reference 753989. HM Revenue & Customs registers it as a money service business. Since 1 May 2024, Key Currency Trustee Limited has held 75% or more of its shares, and its filed accounts refer to an Employee Ownership Trust. The firm arranges currency exchange and international money transfers for personal and business clients through account managers. Visa Global Services Inc. provides the payment services for its US clients.
Licences and registrations
Held by Key Currency Limited (LEI 213800YEERKSGMFRTY72). 2 entries on 2 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 | 753989 | United Kingdom | Active | 2018-04-25 | — |
|
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| HMRC MLR Supervised Business RegisterHMRCLinked by LEI. Matched by Elucidate on the UK company number the register gives. | Money Service BusinessMoney Transmitter / Remittance | XRML00000162801 | United Kingdom | Active | 2021-11-17 | — |
|
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- 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
- KECYGB22XXX 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 KECYGB22 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
- None: head-office BIC only
- BIC first registered
- 2024-07-06
- Last updated
- 2024-07-06
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Privately held
Key Currency Trustee Limited
Firm type
FX and business payments
Trades as Key Currency
- Ownership
- Key Currency Trustee Limited, a company limited by guarantee (Companies House 15354421), has held 75% or more of the shares and voting rights since 1 May 2024, and the group accounts refer to an Employee Ownership Trust.
- Direct parent
- Key Currency Trustee Limited, United Kingdom
- Head office
- Suite 1, CMA House, Newham Road, TR1 2SU Truro, United Kingdom (registered office: 42 Lytton Road, Barnet, Hertfordshire, EN5 5BY, United Kingdom)
- Company register
- Companies House 09603083
- Incorporated
- 21 May 2015
Online
- Websites & references
- keycurrency.co.uk ↗ did not load when checked
- Official social accounts
- None found
Sources · 8 pages consulted
- find-and-update.company-information.service.gov.uk/company/09603083/officers
- find-and-update.company-information.service.gov.uk/company/09603083/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/09603083/filing-history
- find-and-update.company-information.service.gov.uk/company/09603083/filing-history/MzU0NzM3MjA1NmFkaXF6a2N4/document?format=xhtml&download=1
- keycurrency.co.uk/
- keycurrency.co.uk/usclients/
- keycurrency.co.uk/how-it-works/
- keycurrency.co.uk/find-out-more-about-us/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- Visa Global Services Inc., United States Provides payment services for Key Currency Limited's US clients as a licensed money transmitter (NMLS ID 181032)
The FCA authorises the firm as an Authorised Payment Institution under reference 753989, and HMRC registers it as a money service business. For US clients, the firm states that Visa Global Services Inc. provides the payment services.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 753989 | In its own name | Active | register.fca.org.uk ↗ |
| HM Revenue & Customs United Kingdom | Money Service Business (Money Transmitter / Remittance) | XRML00000162801 | In its own name | Active | — |
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 all international money transfers go through safeguarded client accounts, and its audited accounts show GBP 16.5 million of safeguarded balances at 31 December 2025.
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
The firm arranges currency exchange and international transfers by telephone and email, with a dedicated account manager for each client. According to its website, its Spanish subsidiary Key Currency SL is registered with the Bank of Spain.
The firm serves clients from the UK under its FCA authorisation, and Visa Global Services Inc. provides the payment services for its US clients.
- Revenue
- GBP 20.9m
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in 2 countries
- United Kingdom · United States
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Clive John Cooke Director
- Executive
- Andrew John Gibson Director
- Executive
- James Stuart Pinkney Director
- Executive
- Jonathan Christopher Pinkney Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Key Currency Trustee Limited became the firm's person with significant control, and the three director-shareholders ceased to be persons with significant control.
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
- KECYGB22XXX
- How the BIC breaks down
- KECYBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800YEERKSGMFRTY72
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 753989
- Licence no. · HMRC-MLR
- XRML00000162801
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- 9691657654a6
Profile
- Type
- Payments & e-money · Money service businessPayment 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
- 2 entries on 2 registers
- Activities
- Payment services
- Money remittance
- Currency exchange
- Licensed in
- United Kingdom
- Website (register)
- www.keycurrency.co.uk ↗
- 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
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- CMA HOUSE FLOOR SUITE 1 NEWHAM ROAD TRURO TR12SU UNITED KINGDOM
- Operational address
- CMA HOUSE FLOOR 1 NEWHAM ROAD TRURO TRURO TR12SU 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>KECYGB22XXX</BICFI>
<LEI>213800YEERKSGMFRTY72</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>KECYGB22XXX</BICFI>
<LEI>213800YEERKSGMFRTY72</LEI>
<Nm>KEY CURRENCY LIMITED</Nm>
<PstlAdr>
<TwnNm>TRURO</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>CMA HOUSE FLOOR SUITE 1 NEWHAM ROAD TRURO TR12SU</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.
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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 - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- HMRC MLR Supervised Business Register—HM Revenue & Customs (HMRC) · register ↗ as at 24 September 2026
- 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: keycurrency.co.uk (official website).
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