United Kingdom · Payments & e-money
Mastercard OB Services UK Limited
Trading asSpiir · MCOBS UK · Mastercard
Mastercard OB Services UK Limited (MCOBS UK) is a private limited company registered in England and Wales, based in London. The FCA authorises it as an authorised payment institution under the Payment Services Regulations 2017, with firm reference number 1007177. Its direct parent is Mastercard UK Holdco Limited, and its ultimate parent is Mastercard Incorporated of the United States. It provides account information and payment initiation services in the UK, including variable recurring payments, to businesses and to consumers through the Spiir UK app. It relies on Mastercard OB Services Europe A/S, a group company, for services that support delivery.
Licences and registrations
Held by Mastercard OB Services UK Limited. 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 & RAISPsFCA | Authorised Payment InstitutionPayment Institution | 1007177 | United Kingdom | Active | 2024-07-26 | — |
|
Search the register ↗ |
Trading names on the register: Spiir (FCA-PSD), MCOBS UK (FCA-PSD), Mastercard (FCA-PSD)
- 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. No LEI is matched to this entry, and BICs are linked by LEI only.
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
Mastercard UK Holdco Limited
Firm type
Open banking
Trades as Mastercard Open Finance; Spiir UK
- Ownership
- Mastercard UK Holdco Limited (Companies House 10255459) holds 75% or more of the shares and voting rights, and Mastercard Incorporated is the ultimate parent and controlling party.
- Direct parent
- Mastercard UK Holdco Limited, United Kingdom
- Ultimate owner
- Mastercard Incorporated, United States
- Head office
- 9th Floor, 1 Angel Lane, EC4R 3AB London, United Kingdom
- Company register
- Companies House 12507991
- Incorporated
- 10 Mar 2020
Online
- Websites & references
- mastercard.com ↗
mastercard.com/gb/en/business/open-finance.html ↗ UK open finance product pages of the entity (website filed with the FCA as www.mastercard.com/UK/open-finance)
spiir.uk ↗ Spiir UK personal finance app site
help.spiir.uk ↗ Spiir UK help centre - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 12 pages consulted
- find-and-update.company-information.service.gov.uk/company/12507991
- find-and-update.company-information.service.gov.uk/company/12507991/officers
- find-and-update.company-information.service.gov.uk/company/12507991/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/12507991/filing-history
- find-and-update.company-information.service.gov.uk/company/12507991/filing-history/MzQ2NTE0MDM3OGFkaXF6a2N4/document?format=pdf&download=0
- mastercard.com/gb/en/legal/terms-and-conditions-pay.html
- mastercard.com/gb/en/business/open-finance/open-finance-frequently-asked-questions.html
- mastercard.com/gb/en/business/open-finance.html
- mastercard.com/gb/en/legal/open-finance-privacy.html
- spiir.uk/
- spiir.uk/terms/privacy-notice/
- help.spiir.uk/article/what-is-mcobs
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, with firm reference number 1007177. Its permissions cover payment initiation and account information services.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 1007177 | In its own name | Active | mastercard.com ↗ |
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.
Products and markets
Researched 29 Sep 2026 · Sources
It offers open banking payment initiation, including single immediate payments and variable recurring payments, and account information services to UK payment account holders. It also runs the Spiir UK personal finance app.
Its terms limit its services to UK residents aged 18 or over who hold a payment account with a UK provider.
- Sells to
- Enterprises · Financial institutions · Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- David Martin Head Director
- Executive
- Rebecca Kate Rawson Director
- Executive
- Sandra Monica Simoes De Matos Director
- Executive
- Isobel Louise Thacker Director
- Executive
- Christopher Charles Harris Director
- Executive
- Stella Musundi Wanga Company Secretary
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed Christopher Charles Harris as a director on 9 February 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Jason McDougall Lane, a director since incorporation, resigned on 6 December 2025, and Isobel Louise Thacker joined the board.
find-and-update.company-information.service.gov.uk ↗ -
Licence
The FCA authorised the firm as an authorised payment institution under firm reference number 1007177.
mastercard.com ↗ -
Other
The firm allotted 16.8 million shares for GBP 16.8 million, taking its share capital to GBP 16.85 million.
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
- Licence no. · FCA-PSD
- 1007177
- BIC
- Holds no BIC in Swift’s directory
- LEI
- No LEI mapped
- Elucidate firm ID
- 9aecca285a81
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
- Payment Institution
- Activities
- Payment services
- Licensed in
- United Kingdom · Europe & Central Asia
- First registered
- 2024-07-26
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
No LEI is matched to this entry, so GLEIF relationship records cannot be linked.
Addresses
- Address on the register
- MASTERCARD OB SERVICES UK LIMITED, 1 Angel Lane, London, EC4R 3AB
- 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. No LEI or clearing code is mapped in the directory
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<Nm>MASTERCARD OB SERVICES UK LIMITED</Nm>
<PstlAdr>
<PstCd>EC4R 3AB</PstCd>
<TwnNm>London</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>MASTERCARD OB SERVICES UK LIMITED</AdrLine>
<AdrLine>1 Angel Lane</AdrLine>
</PstlAdr>
</FinInstnId>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 - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · source ↗ 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 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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