United Kingdom · Payments & e-money
Montify LTD
Montify Ltd is a private limited company incorporated in England and Wales with its office in London. The FCA authorises it as an electronic money institution under Firm Reference Number 901069. According to Companies House, Nikolai Timofejev holds 75% or more of the shares. Ceviant Finance Limited holds 9% and agreed in November 2025 to buy the rest, and the FCA approved the change in control in July 2026. Montify offers multi-currency e-money payment accounts, transfers, currency exchange and cards to businesses and individuals.
Licences and registrations
Held by Montify LTD (LEI 89450043I0I9P917RI93). 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 | 901069 | United Kingdom | Active | 2020-08-04 | — |
|
Search the register ↗ |
- 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
- MOIFGB22XXX 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 MOIFGB22 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
- 2025-07-05
- Last updated
- 2025-07-05
Overview
Researched 29 Sep 2026 · Sources
Ownership
Privately held
Firm type
E-money and accounts
Trades as Montify
- Standing
- On 7 November 2025 Ceviant Finance Limited agreed to buy the 91% of the firm's shares it does not already own. The FCA approved the change in control on 20 July 2026. According to the 2025 accounts, completion was expected by the end of September 2026.
- Ownership
- Companies House lists Nikolai Timofejev as the person with significant control, holding 75% or more of shares and voting rights. Ceviant Finance Limited holds 9% and agreed in November 2025 to acquire the remaining 91%, subject to FCA approval.
- Major shareholder
- Nikolai Timofejev
- Head office
- New London House, 6 London Street, EC3R 7LP London, United Kingdom
- Company register
- Companies House 12230765
- Incorporated
- 27 Sep 2019
Online
- Websites & references
- montify.com ↗
ib.montify.com ↗ online banking login - Official social accounts
- Telegram ↗ · Facebook Messenger ↗
Sources · 13 pages consulted
- register.fca.org.uk/s/firm?id=0010X00004kwLCTQA2
- find-and-update.company-information.service.gov.uk/company/12230765
- find-and-update.company-information.service.gov.uk/company/12230765/officers
- find-and-update.company-information.service.gov.uk/company/12230765/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/12230765/filing-history
- find-and-update.company-information.service.gov.uk/company/12230765/filing-history/MzU0ODI1MjY0MGFkaXF6a2N4/document?format=xhtml&download=1
- montify.com/
- montify.com/contact-us
- montify.com/about
- montify.com/terms-of-use-personal
- montify.com/aml-note
- montify.com/cookies-policy
- ceviant.co/about
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution under Firm Reference Number 901069, effective 4 August 2020. Its permissions cover issuing e-money and payment services, including money remittance.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised E-Money Institution | 901069 | 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
- Segregated safeguarding accountsAccording to its 2025 accounts, the firm holds customer funds in segregated safeguarding accounts with authorised credit institutions in the UK and EU.
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 e-money payment accounts in several currencies, including EUR, GBP, USD and CHF, with UK, EU and international transfers, currency exchange and virtual and plastic cards. Its 2025 accounts report 91 corporate payment accounts.
It operates under its UK authorisation. According to its 2025 accounts, most of its fee income came from customers in the EU, with smaller shares from the UK and the rest of the world.
- Revenue
- GBP 156,195
- Sells to
- Small businesses · Enterprises · Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Nikolai Timofejev Director
Recent events
Researched 29 Sep 2026 · Sources
-
Funding
The directors of Ceviant Finance Limited approved converting its EUR 443,290 working capital loan to the firm into equity.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
The FCA approved the change in control of the firm resulting from its acquisition by Ceviant Finance Limited.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Paul Derek Sawyer resigned as a director of the firm on 3 January 2026.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
Ceviant Finance Limited signed a share purchase agreement to acquire the remaining 91% of the firm's shares, subject to FCA approval.
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
- MOIFGB22XXX
- How the BIC breaks down
- MOIFBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 89450043I0I9P917RI93
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 901069
- 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
- 1cfac2e94005
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
- 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
- 18 KING WILLIAM STREET LONDON EC4N 7BP UNITED KINGDOM
- Operational address
- 18 KING WILLIAM STREET LONDON LONDON EC4N 7BP 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>MOIFGB22XXX</BICFI>
<LEI>89450043I0I9P917RI93</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>MOIFGB22XXX</BICFI>
<LEI>89450043I0I9P917RI93</LEI>
<Nm>MONTIFY LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>18 KING WILLIAM STREET LONDON EC4N 7BP</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 - 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: montify.com (official website) · original.
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