--- title: "Larstal Limited · Authorised E-Money Institution (FCA) · United Kingdom | Elucidate" description: "Larstal Limited is authorised by FCA as an authorised e-money institution in the United Kingdom. Licence 901001. LEI 6488810FR7VTT1FQ8888. Register status, licences, activities and ownership." url: https://elucidate.co/directory/larstal-limited-d5fa022f7a6e --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Larstal Limited United Kingdom · Payments & e-money # Larstal Limited Trading as AstroPay 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. Register status Licensed in the United Kingdom Authorised E-Money Institution · FCA Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/larstal-limited-d5fa022f7a6e#licences) BIC **No BIC** LEI **[6488810FR7VTT1FQ8888](https://search.gleif.org/#/record/6488810FR7VTT1FQ8888)** [Licence no. **901001**](https://elucidate.co/directory/larstal-limited-d5fa022f7a6e#licences) [Group: Larstal Limited](https://elucidate.co/directory/group/6488810FR7VTT1FQ8888) ## 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 Institutions](https://elucidate.co/directory/register/fca-emi) FCA | Authorised E-Money InstitutionE-Money / Stored Value Institution | 901001 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2019-12-03 | — | - Payment services - E-money / stored value | [Search the register ↗](https://register.fca.org.uk/s/) | 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](https://elucidate.co/directory/larstal-limited-d5fa022f7a6e#overview-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 ↗](https://www.astropay.com/) [getapp.astropaycard.com ↗](https://getapp.astropaycard.com/) legacy domain hosting AstroPay terms and conditions [developers-wallet.astropay.com ↗](https://developers-wallet.astropay.com/) developer documentation [status.astropay.com ↗](https://status.astropay.com/) status page - **Official social accounts:** [LinkedIn ↗](https://uy.linkedin.com/company/astropay-llp) · [X ↗](https://twitter.com/AstroPay_OK) · [Facebook ↗](https://www.facebook.com/AstroPay.official/) · [Instagram ↗](https://www.instagram.com/astropay_ok/) · [YouTube ↗](https://www.youtube.com/channel/UCaKqMBgYhO13ZPhRJDdtkKg) · [TikTok ↗](https://www.tiktok.com/@astropayglobal) - **Apps:** [Google Play ↗](https://play.google.com/store/apps/details?id=com.astropaycard.android) · [App Store ↗](https://apps.apple.com/us/app/astropay-online-money-wallet/id1128476912) Sources · 13 pages consulted 1. [register.fca.org.uk/s/firm?id=0010X00004VrOzRQAV](https://register.fca.org.uk/s/firm?id=0010X00004VrOzRQAV) 2. [find-and-update.company-information.service.gov.uk/company/11970628](https://find-and-update.company-information.service.gov.uk/company/11970628) 3. [find-and-update.company-information.service.gov.uk/company/11970628/officers](https://find-and-update.company-information.service.gov.uk/company/11970628/officers) 4. [astropay.com/business/partners](https://www.astropay.com/business/partners) 5. [astropay.com/united-kingdom/t-c-agreement-for-individuals](https://www.astropay.com/united-kingdom/t-c-agreement-for-individuals) 6. [astropay.com/united-kingdom/cards](https://www.astropay.com/united-kingdom/cards) 7. [astropay.com/united-kingdom/earnings](https://www.astropay.com/united-kingdom/earnings) 8. [astropay.com/united-kingdom/t-c-agreement-for-legal-entities](https://www.astropay.com/united-kingdom/t-c-agreement-for-legal-entities) 9. [astropay.com/united-kingdom/privacy-and-cookies-policy-for-legal-entities](https://www.astropay.com/united-kingdom/privacy-and-cookies-policy-for-legal-entities) 10. [astropay.com/blog/we-are-back-in-business---now-welcoming-new-uk-users](https://www.astropay.com/blog/we-are-back-in-business---now-welcoming-new-uk-users) 11. [financial-ombudsman.org.uk/decision/DRN-5617801.pdf](https://www.financial-ombudsman.org.uk/decision/DRN-5617801.pdf) 12. [fintechfutures.com/paytech/uk-s-fca-imposes-restrictions-on-e-money-firm-astropay](https://www.fintechfutures.com/paytech/uk-s-fca-imposes-restrictions-on-e-money-firm-astropay) 13. [thepaypers.com/fraud-and-fincrime/news/fca-imposes-restrictions-on-astropay](https://thepaypers.com/fraud-and-fincrime/news/fca-imposes-restrictions-on-astropay) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/larstal-limited-d5fa022f7a6e#overview-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 ↗](https://register.fca.org.uk/s/firm?id=0010X00004VrOzRQAV) | 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](https://elucidate.co/directory/larstal-limited-d5fa022f7a6e#overview-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. [astropay.com ↗](https://www.astropay.com/united-kingdom/earnings) - **Card issuer:** Wallester AS Estonia [astropay.com ↗](https://www.astropay.com/united-kingdom/cards) - **Payment schemes and card networks:** Visa Through a partner [astropay.com ↗](https://www.astropay.com/united-kingdom/cards) 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](https://elucidate.co/directory/larstal-limited-d5fa022f7a6e#overview-sources) - E-money wallet - Domestic payments - International money transfer - Prepaid cards - FX conversion - Payment gateway 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](https://elucidate.co/directory/larstal-limited-d5fa022f7a6e#overview-sources) 1. Jul 2025 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 ↗](https://www.astropay.com/blog/we-are-back-in-business---now-welcoming-new-uk-users) 2. Apr 2024 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 ↗](https://www.financial-ombudsman.org.uk/decision/DRN-5617801.pdf) 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 - **LEI:** [6488810FR7VTT1FQ8888 ↗](https://search.gleif.org/#/record/6488810FR7VTT1FQ8888) - **How the LEI was matched:** Matched by Elucidate on the UK company number the register gives - **Companies House no.:** [11970628 ↗](https://find-and-update.company-information.service.gov.uk/company/11970628) - **Elucidate firm ID:** d5fa022f7a6e ## Profile - **Type:** Payments & e-money - **Regulation:** Prudential licence - **Main licence class:** E-Money / Stored Value Institution - **Activities:** - Payment services - E-money / stored value - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) · 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](https://elucidate.co/directory/larstal-denmark-aps-7779ce8fa79c). [See the Larstal Limited group →](https://elucidate.co/directory/group/6488810FR7VTT1FQ8888) Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control. ## Persons with significant control Companies House · company [11970628 ↗](https://find-and-update.company-information.service.gov.uk/company/11970628) · as at 9 October 2026 Companies House lists 2 persons with significant control for Larstal Limited: 2 individuals. | Name | Type | Nature of control | Notified | | --- | --- | --- | --- | | Andrés Bzurovski Bay | Individual | 25–50% of shares | 30 April 2019 | | Sergio Enrique Fogel Kaplan | Individual | 25–50% of shares | 30 April 2019 | 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 ↗](https://find-and-update.company-information.service.gov.uk/company/11970628/persons-with-significant-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 ```xml 6488810FR7VTT1FQ8888 Larstal Limited GU51 4DA Fleet GB C/O Kirk Rice Llp Victoria House 178- 180 Fleet Road ``` - 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. ## Related institutions ### Other payments & e-money institutions in the United Kingdom - [Stonex Financial LTD BIC IGLUGB2L Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 446717 (FCA-PSD) · also on FINTRAC-MSB · LEI 549300AWF3TOHRYL7754](https://elucidate.co/directory/stonex-financial-ltd-iglugb2l) - [Dex International Limited · trading as DEXREMIT No BIC Payments & e-money Crypto Money service business Prudential licence United Kingdom · Licensed by FCA · 503929 (FCA-PSD) · also on HMRC-MLR, FINTRAC-MSB · LEI 9845003995D06S994R04](https://elucidate.co/directory/dex-international-limited-ff2b0c01c725) - [Euronet Payment Services Ltd · trading as Ria Money Transfer, Ria No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 504630 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/euronet-payment-services-ltd-6f4dec33a392) - [Instinet Europe Limited BIC ISNTGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 140822 (FCA-PSD) · LEI 213800MXAKR2LA1VBM44](https://elucidate.co/directory/instinet-europe-limited-isntgb2l) - [Isx Financial UK LTD BIC ISFIGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 901034 (FCA-EMI) · LEI 2138007BDV9IRS8AYD07](https://elucidate.co/directory/isx-financial-uk-ltd-isfigb22) - [Western Union Payment Services GB Limited · trading as Manning House, WU No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 816890 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/western-union-payment-services-gb-limited-0741de977896) - [A to Z 4U Ltd · trading as SAAK REMIT, Saakpay No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 570837 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/a-to-z-4u-ltd-25c2ca0fa3b5) - [Allied Wallet Limited No BIC Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900124 (FCA-EMI) · also on FCA-PSD · LEI 213800HO66BDXP716G24](https://elucidate.co/directory/allied-wallet-limited-8983cc2e32eb) [See all →](https://elucidate.co/directory/search?type=payments&cc=GB) [Other entries on FCA-EMI →](https://elucidate.co/directory/register/fca-emi) 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 →](https://elucidate.co/directory/methodology) Register for this page - **FCA Financial Services Register - E-Money Institutions**—Financial Conduct Authority (FCA) · [source ↗](https://register.fca.org.uk/s/) as at 25 September 2026 - **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI. - **Persons with significant control**—Companies House · [source ↗](https://download.companieshouse.gov.uk/en_pscdata.html) as at 9 October 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. ## 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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.