United Kingdom · Payments & e-money
Park Card Services Limited
Park Card Services Limited is a private limited company registered in England and Wales, with its registered office in Birkenhead. The Financial Conduct Authority (FCA) authorises it as an electronic money institution under the Electronic Money Regulations 2011 (FRN 900016). Appreciate Limited owns the firm directly. PayPoint plc is its ultimate parent and completed its acquisition of Appreciate Group in February 2023. The firm issues the flexecash prepaid card platform behind Love2shop cards and the Your Choice and Purple prepaid Mastercard cards, which are sold through Love2shop and Park Christmas Savings.
Licences and registrations
Held by Park Card Services Limited (LEI 213800XVNQIAFMPR3Z27). 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 | 900016 | United Kingdom | Active | 2018-04-09 | — |
|
Search the register ↗ |
Trading names on the register: FlexEcash (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
- PCSEGB22XXX 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 PCSEGB22 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
- 2024-01-06
- Last updated
- 2024-01-06
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
Appreciate Limited
Firm type
E-money and accounts
Trades as flexecash
- Ownership
- Appreciate Limited holds 75% or more of the shares and voting rights, and PayPoint Plc is the ultimate parent and controlling party.
- Direct parent
- Appreciate Limited, United Kingdom
- Ultimate owner
- PayPoint Plc, United Kingdom
- Head office
- Floor 4, 20 Chapel Street, L3 9AG Liverpool, United Kingdom (registered office: Valley Road, Birkenhead, Merseyside, CH41 7ED, United Kingdom)
- Company register
- Companies House 03280082
- Incorporated
- 18 Nov 1996
- Former names
- FAMILY LOANS LIMITED · ADVERTCAREER LIMITED
Online
- Websites & references
- love2shop.co.uk ↗ did not load when checked
getpark.co.uk ↗ Park Christmas Savings site of the agent Park Retail Limited, named as a card website in the firm's card terms - Official social accounts
- None found
Sources · 11 pages consulted
- find-and-update.company-information.service.gov.uk/company/03280082
- find-and-update.company-information.service.gov.uk/company/03280082/officers
- find-and-update.company-information.service.gov.uk/company/03280082/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/03280082/filing-history
- find-and-update.company-information.service.gov.uk/company/03280082/filing-history/MzU0NzQzMjMxNGFkaXF6a2N4/document?format=pdf&download=0
- getpark.co.uk/COMMON/corporate/terms/2019%20Catalogue%20Version%20-%20UK-your-choice-card.pdf
- getpark.co.uk/budgeting/saving/trust-summary.jsp
- getpark.co.uk/budgeting/
- getpark.co.uk/budgeting/catalogue/c401/7447/the-purple-gift-card-your-choice-combi/400-purple-gift-card
- corporate.paypoint.com/investor-centre/announcements/946
- conveniencestore.co.uk/news/new-sales-director-announced-at-love2shop/711983.article
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 (FRN 900016). Park Retail Limited, which trades as Park Christmas Savings, is registered with the FCA as its agent.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900016 | In its own name | Active | getpark.co.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 accountsThe firm states that it places e-money funds in a segregated safeguarding account. A declaration of trust made on 16 February 2010 set up the Park Card Services Limited E-Money Trust to hold the e-money float.
- Payment schemes and card networks
- Mastercard Direct getpark.co.uk ↗
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 non-reloadable prepaid gift cards in GBP. These are flexecash Love2shop multi-retailer cards and the Your Choice and Purple prepaid Mastercard cards, in physical and digital form.
The firm issues cards only to UK residents, and cardholders can use them in the UK and online in GBP.
- Revenue
- GBP 14.6m
- Sells to
- Consumers · Enterprises · Small businesses
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Julian Graham Coghlan Director (Managing Director, Love2shop)
- Executive
- David Robert (Rob) Harding Director
- Executive
- Simon Phillip Birch Director
- Executive
- John Henry Pike Director
- Executive
- Lee Thomas Shannon Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed John Pike and Lee Shannon as directors. Simon Coles and Christopher Paul resigned as directors on 19 June 2026.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
The firm appointed Simon Birch and Simon Coles as directors on 15 March 2024.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Rob Harding became a director on 11 September 2023, replacing Guy Parsons, who resigned the same day.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
PayPoint plc completed its acquisition of Appreciate Group, the firm's parent group, on 28 February 2023.
corporate.paypoint.com ↗
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
- PCSEGB22XXX
- How the BIC breaks down
- PCSEBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800XVNQIAFMPR3Z27
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900016
- 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
- ca95850230a9
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
- Direct parent
- Paypoint PLC · United Kingdom5493004YKWI8U0GDD138 ↗
The Paypoint PLC group has 2 institutions in the directory, in 1 country: 1 holds a BIC and 1 does not.
Including Aperidata Ltd.
See the Paypoint PLC group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 20 CHAPEL STREET LIVERPOOL L3 9AG UNITED KINGDOM
- Operational address
- 20 CHAPEL STREET LIVERPOOL LIVERPOOL L3 9AG 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>PCSEGB22XXX</BICFI>
<LEI>213800XVNQIAFMPR3Z27</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>PCSEGB22XXX</BICFI>
<LEI>213800XVNQIAFMPR3Z27</LEI>
<Nm>PARK CARD SERVICES LIMITED</Nm>
<PstlAdr>
<TwnNm>LIVERPOOL</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>20 CHAPEL STREET LIVERPOOL L3 9AG</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
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- 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.
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