United Kingdom · Payments & e-money
Monetley LTD
Monetley Ltd is a private limited company incorporated in England and Wales and based in London. The FCA authorises it as an electronic money institution under firm reference number 900921. Its 2024 accounts name MRCR Holdings Ltd of Cyprus as its immediate parent. In January 2026 NanduQ plc announced that it had acquired all the shares of MRCR Holdings Ltd. The firm issues euro e-money and provides IBAN payment accounts, SEPA and Swift payments and currency exchange. It provides the e-money and payment services offered under the Mercuryo brand.
Licences and registrations
Held by Monetley LTD (LEI 213800LJ95CI2K33YR81). 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 InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900921 | United Kingdom | Active | 2019-10-28 | — |
|
Search the register ↗ |
Trading names on the register: Mercuryo (FCA-EMI)
- 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
- FOUNGB21XXX head office
- Connection to Swift
- Passive participant (no connection)This BIC is registered for identification only. The institution has no direct connection to the Swift network. Messages and payments reach it through a correspondent bank. The “1” in the eighth character of FOUNGB21 marks a passive participant.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2018-08-04
- Last updated
- 2018-11-20
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
MRCR Holdings Ltd
Firm type
E-money and accounts
Trades as Mercuryo
- Ownership
- According to its accounts for the period to 31 December 2024, MRCR Holdings Ltd of Cyprus is the firm's immediate parent. NanduQ plc announced in January 2026 that it had acquired 100% of MRCR Holdings Ltd.
- Direct parent
- MRCR Holdings Ltd, Cyprus
- Ultimate owner
- NanduQ plc, Cyprus
- Major shareholder
- Petr Kozyakov (person with significant control, 75% or more of shares and voting rights, per Companies House)
- Head office
- 77 Coleman Street, EC2R 5BJ London, United Kingdom
- Company register
- Companies House 10978538
- Incorporated
- 23 Sep 2017
- Former names
- MONETELEY LTD · FORTYSEVEN UNITED LIMITED
Online
- Websites & references
- mercuryo.io ↗
monetley.com ↗ Monetley-branded site with legacy terms and privacy policy (blocked when fetched)
uk.mercuryo.io ↗ UK site of the Mercuryo brand
help.mercuryo.io ↗ help centre, including the safeguarding notice - Official social accounts
- LinkedIn ↗ · X ↗ · X (UK account) ↗
Sources · 11 pages consulted
- find-and-update.company-information.service.gov.uk/company/10978538/filing-history/MzQ5MjQwNzgxOWFkaXF6a2N4/document?format=xhtml&download=1
- find-and-update.company-information.service.gov.uk/company/10978538/officers
- find-and-update.company-information.service.gov.uk/company/10978538/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/10978538/filing-history
- find-and-update.company-information.service.gov.uk/company/10978538
- mercuryo.io/legal/licenses/
- mercuryo.io/legal/terms-monetley/
- uk.mercuryo.io/legal/fca/
- help.mercuryo.io/hc/en-gb/articles/25455881327005-Safeguarding-Notice
- nanduq.com/news-and-events/press-releases/4108619/
- nanduq.com/news-and-events/press-releases/4108622/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011, reference 900921, to issue e-money and provide payment services. Moneytea Ltd, FCA reference 850523, is registered as its EMD agent and provides acquiring services under the Mercuryo brand.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900921 | In its own name | Active | mercuryo.io ↗ |
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 it keeps client funds separate from its own funds in safeguarding accounts at Incore Bank AG and Dukascopy SA in Switzerland. It says it reconciles these accounts daily on business days.
- Safeguarding bank
- Incore Bank AG Switzerland
- Safeguarding bank
- Dukascopy SA Switzerland
- Payment schemes and card networks
- SEPA Credit Transfer Access not stated mercuryo.io ↗
Swift Access not stated mercuryo.io ↗
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
The firm issues euro e-money and opens IBAN payment accounts with SEPA and Swift transfers and currency exchange. Its registered agent Moneytea Ltd provides card acquiring for the Mercuryo brand. According to the 2024 accounts, most revenue came from platform services provided to a group company.
The firm operates from the United Kingdom. According to its 2024 accounts, its customers are mainly in the United Kingdom and Europe. Its terms exclude US persons and residents of countries it treats as non-cooperative.
- Revenue
- GBP 4.53m
- Sells to
- Enterprises · Small businesses · Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Petr Kozyakov Director (Chief Executive Officer of the Mercuryo brand)
- Executive
- Megan Linsey Armstrong Director
- Executive
- Matthew Tudor Stride Director
- Executive
- Matthew Sharpe Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed Matthew Sharpe as a director on 21 August 2026.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
NanduQ plc announced the acquisition of 100% of MRCR Holdings Ltd, the firm's immediate parent.
nanduq.com ↗ -
Leadership
The firm appointed Matthew Tudor Stride as a director on 18 June 2025.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Director Lindsay Simon Burrett left the board on 10 October 2024.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Petr Kozyakov and Megan Linsey Armstrong as directors in September 2024.
find-and-update.company-information.service.gov.uk ↗ -
Funding
The parent company approved a EUR 3 million capital injection, and the firm issued 3 million EUR 1 ordinary shares.
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
- FOUNGB21XXX
- How the BIC breaks down
- FOUNBank
- GBCountry · United Kingdom
- 21Location · passive
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800LJ95CI2K33YR81
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900921
- 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
- 3b4dd10dd350
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
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.mercuryo.io ↗
- 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
- BERKELEY SQUARE HOUSE FLOOR 2 BERKELEY SQUARE LONDON W1J 6BD UNITED KINGDOM
- Operational address
- BERKELEY SQUARE HOUSE FLOOR 2 BERKELEY SQUARE LONDON LONDON W1J 6BD 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+
- Debtor agent, creditor agent or an intermediary agent
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>FOUNGB21XXX</BICFI>
<LEI>213800LJ95CI2K33YR81</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>FOUNGB21XXX</BICFI>
<LEI>213800LJ95CI2K33YR81</LEI>
<Nm>MONETLEY LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>BERKELEY SQUARE HOUSE FLOOR 2 BERKELEY SQUARE LONDON W1J 6BD</AdrLine>
</PstlAdr>
</FinInstnId>This BIC is not connected to Swift. Messages reach the institution through a correspondent bank, so it cannot be the instructing or instructed agent.
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.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2020-04-06 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2020-05-04 | Head office | — |
SEPA dates are when the institution became ready for the scheme.
An institution missing from T2 may still be reachable through an indirect participant.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
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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
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- FCA Financial Services Register - E-Money Institutions—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.
- 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: mercuryo.io (official website) · original.
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