United Kingdom · Payments & e-money
Larstal Limited
Trading asAstroPay
Larstal Limited is a private limited company registered in England and Wales. It trades as AstroPay. The Financial Conduct Authority (FCA) authorises it as an electronic money institution under the Electronic Money Regulations 2011, reference 901001. It is the UK entity of the AstroPay group, which runs separate licensed entities in Denmark, the Isle of Man and Brazil. It offers UK customers a digital wallet for storing e-money, sending and receiving payments and using a virtual Visa card issued by Wallester AS. It also offers payment processing to merchants. From April 2024 it operated under a voluntary undertaking with the FCA restricting new business. An updated undertaking replaced it in July 2025.
Licences and registrations
Held by Larstal Limited (LEI 6488810FR7VTT1FQ8888). 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 InstitutionsFCA | Authorised E-Money InstitutionE-Money / Stored Value Institution | 901001 | United Kingdom | Active | 2019-12-03 | — |
|
Search the register ↗ |
Trading names on the register: AstroPay (FCA-EMI)
- 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.
Its LEI is not mapped to a BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Not published
Firm type
E-money and accounts
Trades as AstroPay
- Standing
- On 11 April 2024 Larstal entered into a voluntary undertaking with the FCA. It stopped onboarding customers and stopped providing e-money and payment services without FCA consent. In July 2025 an updated voluntary undertaking replaced it, and the firm says this allows it to resume onboarding UK customers.
- Ownership
- Larstal belongs to the AstroPay group. Its shareholders and persons with significant control could not be confirmed from a primary source.
- Head office
- C/O Kirk Rice Llp, Victoria House, 178- 180 Fleet Road, GU51 4DA Fleet, United Kingdom
- Company register
- Companies House 11970628
- Incorporated
- 30 Apr 2019
Online
- Websites & references
- astropay.com ↗
getapp.astropaycard.com ↗ legacy domain hosting AstroPay terms and conditions
developers-wallet.astropay.com ↗ developer documentation
status.astropay.com ↗ status page - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · TikTok ↗
- Apps
- Google Play ↗ · App Store ↗
Sources · 13 pages consulted
- register.fca.org.uk/s/firm?id=0010X00004VrOzRQAV
- find-and-update.company-information.service.gov.uk/company/11970628
- find-and-update.company-information.service.gov.uk/company/11970628/officers
- astropay.com/business/partners
- astropay.com/united-kingdom/t-c-agreement-for-individuals
- astropay.com/united-kingdom/cards
- astropay.com/united-kingdom/earnings
- astropay.com/united-kingdom/t-c-agreement-for-legal-entities
- astropay.com/united-kingdom/privacy-and-cookies-policy-for-legal-entities
- astropay.com/blog/we-are-back-in-business---now-welcoming-new-uk-users
- financial-ombudsman.org.uk/decision/DRN-5617801.pdf
- fintechfutures.com/paytech/uk-s-fca-imposes-restrictions-on-e-money-firm-astropay
- thepaypers.com/fraud-and-fincrime/news/fca-imposes-restrictions-on-astropay
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises Larstal as an electronic money institution under the Electronic Money Regulations 2011 (FRN 901001). Since April 2024 it has operated under a voluntary undertaking with the FCA, which was replaced by an updated undertaking in July 2025.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 901001 | 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 normal AstroPay account balances are not covered by the FSCS but are safeguarded. Its 2024 FCA undertaking required relevant funds to be ringfenced in designated safeguarding accounts.
- Card issuer
- Wallester AS Estonia
- Payment schemes and card networks
- Visa Through a partner astropay.com ↗
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
In the UK, Larstal offers an e-money wallet with peer-to-peer transfers, currency exchange and a virtual Visa card. It also offers AstroPay prepaid vouchers, an interest-bearing Earnings feature through Bondsmith and payment processing for merchants.
Larstal serves customers in the United Kingdom under its FCA authorisation. Other AstroPay group entities serve the EEA, the Isle of Man and Brazil.
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in
- United Kingdom
Recent events 2 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
Larstal entered into an updated voluntary undertaking with the FCA, which replaced the April 2024 undertaking and allowed UK onboarding to resume.
astropay.com ↗ -
Enforcement
Larstal agreed a voluntary undertaking with the FCA to stop onboarding, stop issuing e-money and providing payment services without consent, and ringfence funds.
financial-ombudsman.org.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
- Licence no. · FCA-EMI
- 901001
- BIC
- Holds no BIC in Swift’s directory
- How the LEI was matched
- Matched by Elucidate on the UK company number the register gives
- Elucidate firm ID
- d5fa022f7a6e
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.
- Main licence class
- E-Money / Stored Value Institution
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom · Europe & Central Asia
- First registered
- 2019-12-03
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
The Larstal Limited group has 2 institutions in the directory, in 2 countries: none holds a BIC.
Including Larstal Denmark ApS.
See the Larstal Limited group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Address on the register
- C/O Kirk Rice Llp Victoria House, 178- 180 Fleet Road, Fleet, GU51 4DA
- 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, with its LEI
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<LEI>6488810FR7VTT1FQ8888</LEI>
<Nm>Larstal Limited</Nm>
<PstlAdr>
<PstCd>GU51 4DA</PstCd>
<TwnNm>Fleet</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>C/O Kirk Rice Llp Victoria House</AdrLine>
<AdrLine>178- 180 Fleet Road</AdrLine>
</PstlAdr>
</FinInstnId>- The address line repeats the town or postcode. Remove the repeat if your payment system rejects it.
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 →Register for this page
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · source ↗ 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.
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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