United Kingdom · Payments & e-money
Pollen Technologies LTD
Legal name in the LEI recordPOLLEN TECHNOLOGIES LIMITED
Pollen Technologies Limited is a private limited company registered in England and Wales, with its registered office in Stockport. The FCA authorises it as an authorised payment institution under the Payment Services Regulations 2017, with firm reference 768011. Its co-founder and director Ben Wakeham holds more than 50% of its shares. It sells businesses a white-label payments platform for payouts, foreign exchange, receivables and bank-account linking. It provides GBP and EUR virtual IBANs in partnership with Equals Money Plc, an FCA-authorised payment institution.
Licences and registrations
Held by Pollen Technologies Limited (LEI 984500EA5OJ845F9D798). 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 | 768011 | United Kingdom | Active | 2018-06-07 | — |
|
Search the register ↗ |
Trading names on the register: Pollen (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
- POTHGB22XXX 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 POTHGB22 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
- 2021-04-03
- Last updated
- 2021-04-03
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Privately held
Firm type
Banking as a service
Trades as Pollen
- Ownership
- According to Companies House, Ben Wakeham holds more than 50% but less than 75% of the shares and is the only person with significant control.
- Major shareholder
- Ben Wakeham
- Head office
- 1 Royal Exchange, EC3V 3DG London, United Kingdom (registered office: 123 Wellington Road South, Stockport, Cheshire, SK1 3TH)
- Company register
- Companies House 09045714
- Incorporated
- 19 May 2014
- Founder
- Ben Wakeham
- Former names
- POLLEN MASS PAYMENTS LIMITED · VIDA PAYROLL LIMITED
Online
- Websites & references
- pollentechnologies.com ↗
- Official social accounts
- None found
Sources · 11 pages consulted
- pollentechnologies.com/
- find-and-update.company-information.service.gov.uk/company/09045714
- find-and-update.company-information.service.gov.uk/company/09045714/officers
- find-and-update.company-information.service.gov.uk/company/09045714/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/09045714/filing-history
- find-and-update.company-information.service.gov.uk/company/09045714/filing-history/MzUxODM2OTM5NGFkaXF6a2N4/document?format=pdf&download=0
- fsc.gi/regulated-entity/pollen-technologies-limited-24925
- docs.google.com/document/u/2/d/e/2PACX-1vS0kdVKlHYQt-xhST_YjOes_RT8i5eGjZ4S__cHMMNS1TboxE5GOYZ1hQ708M9ZVe
- pollentechnologies.com/legal/complaints-policy
- openbanking.org.uk/regulated-providers/pollen-technologies/
- fintechfutures.com/2019/03/why-open-banking-is-going-to-be-so-exciting-for-payments/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- Equals Money Plc, United Kingdom Regulated products and services provided in partnership with Equals Money Plc (FRN 488396) for the issuing of GBP and EUR virtual IBANs
The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017 (firm reference 768011). Its website states that Equals Money Plc provides its GBP and EUR virtual IBANs. It also states that the firm is an agent of PayrNet Limited, which the FCA authorises as an electronic money institution (FRN 900594).
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 768011 | In its own name | Active | register.fca.org.uk ↗ |
| Gibraltar Financial Services Commission Gibraltar | Payment Services Directive – incoming services from the United Kingdom (money remittance) | — | In its own name | Active | fsc.gi ↗ |
| Financial Conduct Authority United Kingdom | Agent of PayrNet Limited (electronic money institution, FRN 900594) | — | As agent | Status unconfirmed | — |
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 accountsIts terms of use state that funds received for payment services are held in segregated bank accounts, kept apart from its business bank accounts. The terms state that funds received to settle FX contracts are excluded from this.
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 a no-code, fully managed white-label platform for scheduled payouts, FX spot and forward contracts, named IBANs and linking of third-party bank accounts. According to its website, the platform covers 148 currencies and payments to more than 160 countries.
It serves business clients from the United Kingdom under its FCA authorisation. The Gibraltar Financial Services Commission lists it as providing money remittance in Gibraltar from the United Kingdom.
- Sells to
- Small businesses · Platforms and marketplaces · Enterprises
- Serves customers in 2 countries
- United Kingdom · Gibraltar
Leadership
Researched 29 Sep 2026 · Sources
- Founder
- Ben Wakeham Director (co-founder)
- Executive
- Nicholas Mark Kaufmann Director
- Executive
- Daniel Hockley Director
- Executive
- Judith Wakeham Company Secretary
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
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
- POTHGB22XXX
- How the BIC breaks down
- POTHBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 984500EA5OJ845F9D798
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 768011
- 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
- 2ff9b5459da5
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
- 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
- WELLINGTON ROAD CHESHIRE STOCKPORT SK1 3TH UNITED KINGDOM
- Operational address
- WELLINGTON ROAD CHESHIRE STOCKPORT STOCKPORT SK1 3TH 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>POTHGB22XXX</BICFI>
<LEI>984500EA5OJ845F9D798</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>POTHGB22XXX</BICFI>
<LEI>984500EA5OJ845F9D798</LEI>
<Nm>POLLEN TECHNOLOGIES LTD</Nm>
<PstlAdr>
<TwnNm>STOCKPORT</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>WELLINGTON ROAD CHESHIRE STOCKPORT SK1 3TH</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: pollentechnologies.com (official website) · original.
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