United Kingdom · Payments & e-money
One.io UK Limited
One.io UK Limited is a private limited company registered in England and Wales, with its head office at Kings House, Haymarket, London. The FCA authorises it as an authorised payment institution under the Payment Services Regulations 2017, with firm reference number 913478. Credis Holdings Limited owns the firm, and its ultimate parent is One.io Group Limited. Under the ONE.io Connect brand it offers businesses named multi-currency accounts, domestic and international payments and FX. It was renamed from Credis Acc Ltd in November 2022.
Licences and registrations
Held by One.io UK Limited (LEI 213800AC1F7GHULDMD33). 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 | 913478 | United Kingdom | Active | 2020-07-01 | — |
|
Search the register ↗ |
Trading names on the register: One.io (FCA-PSD), One (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
- RRCCGB22XXX 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 RRCCGB22 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
- 2020-08-01
- Last updated
- 2024-05-14
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
100% Credis Holdings Limited
Firm type
FX and business payments
Trades as ONE.io
- Standing
- The firm was incorporated as Credis Acc Ltd on 10 June 2019. It was renamed One.io UK Limited on 17 November 2022.
- Ownership
- Credis Holdings Limited holds all 2,567,100 ordinary shares of the firm, and the ultimate parent is One.io Group Limited (Companies House 13036457).
- Direct parent
- Credis Holdings Limited 100%
- Ultimate owner
- One.io Group Limited, United Kingdom
- Head office
- 6th Floor Kings House, 9-10 Haymarket, SW1Y 4BP London, United Kingdom
- Company register
- Companies House 12040686
- Incorporated
- 10 Jun 2019
- Former name
- CREDIS ACC LTD
Online
- Websites & references
- one.io ↗ did not load when checked
connect-one.io ↗ ONE.io Connect payments brand site, carrying the firm's licensing and regulation page - Official social accounts
- None found
Sources · 11 pages consulted
- find-and-update.company-information.service.gov.uk/company/12040686
- find-and-update.company-information.service.gov.uk/company/12040686/officers
- find-and-update.company-information.service.gov.uk/company/12040686/filing-history
- find-and-update.company-information.service.gov.uk/company/12040686/filing-history/MzQ3Mjc2ODMwN2FkaXF6a2N4/document?format=pdf&download=0
- find-and-update.company-information.service.gov.uk/company/12040686/filing-history/MzU0MTIxNDM4M2FkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7
- connect-one.io/licensing-and-regulation/
- connect-one.io/
- one.io/about-us/
- one.io/insights/one-io-welcomes-jovi-overo-as-new-ceo/
- clear.bank/learn/case-studies/one-io-collaborates-with-clearbank-to-deliver-more-efficient-payment-s
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 (firm reference number 913478). The group's crypto-asset, Canadian and EEA e-money services are provided by other group entities, not by this firm.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 913478 | In its own name | Active | connect-one.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 customer funds are held in one or more segregated accounts and safeguarded under the Payment Services Regulations 2017. It also states that the Financial Services Compensation Scheme (FSCS) does not cover these funds.
- Safeguarding bank · Settlement bank
- ClearBank Limited United Kingdom
- Payment schemes and card networks
- Faster Payments Through a partner clear.bank ↗
CHAPS Access not stated clear.bank ↗
SEPA Instant Credit Transfer Access not stated connect-one.io ↗
Swift Access not stated connect-one.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
It offers businesses named accounts in multiple currencies, global payments and spot FX. According to the group, it focuses on sectors that traditional banks underserve, such as iGaming and virtual-asset businesses.
The firm provides payment services from the UK under its FCA authorisation and describes its client base as global. The group serves EEA clients through a separate Cyprus entity.
- Sells to
- Enterprises · Small businesses · Financial institutions
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Jovi Joseph Overo Chief Executive Officer and director
- Executive
- Edward Richard Walker-Morecroft Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Hayden Bradley Sommer resigned as a director of the firm on 31 July 2026, after serving since its incorporation in 2019.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Jovi Overo, the group's Chief Executive Officer, as a director on 19 February 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
ONE.io announced the appointment of Jovi Overo as its new Chief Executive Officer.
one.io ↗ -
Leadership
Andrew Henry Clover resigned as a director on 6 December 2024, and Steven David Delpy was appointed that day before resigning in May 2025.
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
- RRCCGB22XXX
- How the BIC breaks down
- RRCCBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800AC1F7GHULDMD33
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 913478
- 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
- ed366a013dbc
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)
- one.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
- 9-10 HAYMARKET FLOOR 6 LONDON SW1Y 4BP UNITED KINGDOM
- Operational address
- KINGS HOUSE FLOOR 6 9-10 HAYMARKET LONDON LONDON SW1Y 4BP 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>RRCCGB22XXX</BICFI>
<LEI>213800AC1F7GHULDMD33</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>RRCCGB22XXX</BICFI>
<LEI>213800AC1F7GHULDMD33</LEI>
<Nm>ONE.IO UK LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>9-10 HAYMARKET FLOOR 6 LONDON SW1Y 4BP</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.
- 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: one.io (official website).
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