United Kingdom · Payments & e-money
Lighthouse Fx LTD
Lighthouse FX Ltd is a private limited company in London. The Financial Conduct Authority (FCA) authorises it as an authorised payment institution (FRN 931618), and HM Revenue & Customs (HMRC) supervises it as a money service business. Its two founding directors, Joshua Coles and Nicholas Burns, each hold more than 25% but not more than 50% of its shares. It describes itself as a specialist currency brokerage for businesses and high-net-worth individuals. According to the firm, The Currency Cloud Limited, CurrencyCloud B.V. and Visa Global Services Inc. provide some of its payment and e-money services.
Licences and registrations
Held by Lighthouse Fx LTD (LEI 9845008CCD69CAA8E483). 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 | 931618 | United Kingdom | Active | 2022-02-04 | — |
|
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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 | XKML00000160284 | United Kingdom | Active | 2021-06-07 | — |
|
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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
- LIGTGB22XXX 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 LIGTGB22 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
- 2024-09-07
- Last updated
- 2024-09-07
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Privately held
Firm type
FX and business payments
Trades as Lighthouse FX
- Ownership
- Joshua Coles and Nicholas Burns, the two founding directors, each hold more than 25% but not more than 50% of the shares and voting rights.
- Major shareholders
- Joshua Michael Coles
Nicholas James Burns - Head office
- 50 Liverpool Street, EC2M 7PY London, United Kingdom
- Company register
- Companies House 11450998
- Incorporated
- 5 Jul 2018
- Founders
- Joshua Michael Coles · Nicholas James Burns
Online
- Websites & references
- lighthousefx.co.uk ↗
lighthousefx.paydirect.io ↗ client portal (online payments platform), linked from the site menu - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗
Sources · 9 pages consulted
- register.fca.org.uk/s/firm?id=0014G00002WzfTcQAJ
- find-and-update.company-information.service.gov.uk/company/11450998
- find-and-update.company-information.service.gov.uk/company/11450998/officers
- find-and-update.company-information.service.gov.uk/company/11450998/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/11450998/filing-history
- find-and-update.company-information.service.gov.uk/company/11450998/filing-history/MzUyMzkyMTA5NGFkaXF6a2N4/document?format=xhtml&download=1
- lighthousefx.co.uk/
- lighthousefx.co.uk/complaints
- lighthousefx.co.uk/executive-team
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- The Currency Cloud Limited, United Kingdom Provides some of the firm's payment services to clients in the UK and the rest of the world. The firm names CurrencyCloud B.V. for EEA clients and Visa Global Services Inc. for US clients.
The FCA authorises the firm as an authorised payment institution (FRN 931618). HMRC supervises it as a money service business under the Money Laundering Regulations. The firm states that some of its payment services and the issuance of e-money are provided by The Currency Cloud Limited (FCA-authorised electronic money institution, FRN 900199), CurrencyCloud B.V. (De Nederlandsche Bank electronic money institution) and Visa Global Services Inc. (US licensed money transmitter).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 931618 | In its own name | Active | register.fca.org.uk ↗ |
| HM Revenue & Customs United Kingdom | Money Service Business (Money Laundering Regulations supervised business register) | XKML00000160284 | 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 client funds are safeguarded with banks or authorised credit institutions but does not name them.
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 offers currency exchange, exchange-rate risk management and international payments for large balances. It says it can exchange over 140 currencies and send payments to 150 countries, including through an online payments platform.
It serves clients in the United Kingdom, the European Economic Area, the United States and elsewhere. According to its website, partner firms provide some of its payment services in the EEA and the US.
- Sells to
- Small businesses · Enterprises · Consumers
- Serves customers in 2 countries
- United Kingdom · United States
Leadership
Researched 29 Sep 2026 · Sources
- Founder
- Nicholas James Burns Director (founding director). Responsibilities include partner liaison and supervision of regulatory compliance.
- Founder
- Joshua Michael Coles Director (founding director). Oversees commercial operations.
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
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
- LIGTGB22XXX
- How the BIC breaks down
- LIGTBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9845008CCD69CAA8E483
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 931618
- Licence no. · HMRC-MLR
- XKML00000160284
- 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
- 8f3f87218af3
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.lighthousefx.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
- 50 LIVERPOOL STREET LONDON LONDON EC2M 7PY UNITED KINGDOM
- Operational address
- 50 LIVERPOOL STREET LONDON LONDON LONDON EC2M 7PY 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>LIGTGB22XXX</BICFI>
<LEI>9845008CCD69CAA8E483</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>LIGTGB22XXX</BICFI>
<LEI>9845008CCD69CAA8E483</LEI>
<Nm>LIGHTHOUSE FX LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>50 LIVERPOOL STREET LONDON LONDON EC2M 7PY</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: lighthousefx.co.uk (official website).
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