United Kingdom · Payments & e-money
Lunapay Limited
LunaPay Limited is a private limited company incorporated in England and Wales on 17 January 2020, based in London. The FCA authorises it as an authorised payment institution under the Payment Services Regulations 2017, reference 935095. It says its main shareholder, Dr Demian Sotbarn, holds 75% or more of its shares and votes. It runs the Luna Wallet payment account for individuals, funded by Visa or Mastercard card top-ups, with transfers to cards and to other Luna Wallet users.
Licences and registrations
Held by Lunapay Limited (LEI 213800BAPGNQ9VPQB562). 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 - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 935095 | United Kingdom | Active | 2021-02-17 | — |
|
Search the register ↗ |
Trading names on the register: LunaPay (FCA-PSD)
- 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
- LUNPGB22XXX 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 LUNPGB22 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
- 2022-04-02
- Last updated
- 2022-04-02
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Privately held
Firm type
E-money and accounts
Trades as Luna Wallet
- Ownership
- According to Companies House, Dr Demian Sotbarn holds 75% or more of the shares and voting rights.
- Major shareholder
- Demian Sotbarn
- Head office
- Office 211, Epworth House, 25 City Road, EC1Y 1AA London, United Kingdom
- Company register
- Companies House 12409501
- Incorporated
- 17 Jan 2020
Online
- Websites & references
- luna-wallet.com ↗
- Official social accounts
- None found
Sources · 9 pages consulted
- find-and-update.company-information.service.gov.uk/company/12409501
- find-and-update.company-information.service.gov.uk/company/12409501/officers
- find-and-update.company-information.service.gov.uk/company/12409501/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/12409501/filing-history
- find-and-update.company-information.service.gov.uk/company/12409501/filing-history/MzUxMDQyMzY3N2FkaXF6a2N4/document?format=pdf&download=0
- luna-wallet.com/documents/Luna_Wallet_Terms_and_Conditions_Updated_05th_November_2025.pdf
- luna-wallet.com/privacy-policy
- luna-wallet.com/terms-and-conditions
- register.fca.org.uk/s/firm?id=0014G00002YuPEjQAN
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017, reference 935095. The firm's terms say that payment cards are issued through a BIN sponsor that is a principal member of the card schemes. They do not name the sponsor.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 935095 | 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
- Not disclosedThe firm's terms say wallet funds are safeguarded in line with regulatory requirements. They do not name the method or the safeguarding bank.
- Payment schemes and card networks
- Visa Through a partner luna-wallet.com ↗
Mastercard Through a partner luna-wallet.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
Luna Wallet is a payment account for individuals, funded by Visa or Mastercard card top-ups. It supports transfers to Visa and Mastercard cards and to other Luna Wallet users. According to its 2025 accounts, its main activity was payment services to merchants.
The firm is established in the United Kingdom and says it is authorised to serve clients worldwide. It does not publish a list of the countries it serves.
- Sells to
- Consumers · Small businesses
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Alpesh Patel Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Dr Demian Sotbarn resigned as a director on 31 October 2023, leaving Alpesh Patel as the sole director.
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
- LUNPGB22XXX
- How the BIC breaks down
- LUNPBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800BAPGNQ9VPQB562
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 935095
- 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
- 82faa9131ffc
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
- Licensed in
- United Kingdom
- Website (register)
- luna-pay.com ↗
- 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
- LONDON CITY POINT 1 ROPEMAKER STREET LONDON EC3Y 9HT UNITED KINGDOM
- Operational address
- LONDON CITY POINT 1 ROPEMAKER STREET LONDON LONDON EC3Y 9HT 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>LUNPGB22XXX</BICFI>
<LEI>213800BAPGNQ9VPQB562</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>LUNPGB22XXX</BICFI>
<LEI>213800BAPGNQ9VPQB562</LEI>
<Nm>LUNAPAY LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>LONDON CITY POINT 1 ROPEMAKER STREET LONDON EC3Y 9HT</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
- 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 BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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