United Kingdom · Payments & e-money
Raisin Platforms Limited
Trading asRaisin UK · Raisin
Raisin Platforms Limited is a private limited company registered in England and Wales, with its head office in Manchester. It trades as Raisin UK. The FCA authorises it as a payment institution under the Payment Services Regulations 2017 (FRN 978619) and as an investment firm under the Financial Services and Markets Act 2000 (FRN 813894). Raisin Holdings UK Ltd. owns 75% or more of the firm, which belongs to the German Raisin group. The firm runs an online savings marketplace for UK-resident consumers. Customers open savings accounts with partner banks through the marketplace. ClearBank provides each customer's Transaction Account, and the firm acts as ClearBank's outsourced service provider for these accounts.
Licences and registrations
Held by Raisin Platforms Limited. 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 & RAISPsFCA | Authorised Payment InstitutionPayment Institution | 978619 | United Kingdom | Active | 2023-06-29 | — |
|
Search the register ↗ |
Trading names on the register: Raisin UK (FCA-PSD), Raisin (FCA-PSD)
- 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.
Swift network
Swift’s ISO 9362 BIC directory
Holds no BIC in Swift’s directory. No LEI is matched to this entry, and BICs are linked by LEI only.
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
Raisin Holdings UK Ltd.
Firm type
Other
Trades as Raisin UK
- Ownership
- Raisin Holdings UK Ltd. (Companies House 10951012) holds 75% or more of the shares and voting rights in the firm and belongs to the Raisin group.
- Direct parent
- Raisin Holdings UK Ltd., United Kingdom
- Ultimate owner
- Raisin SE, Germany
- Head office
- Cobden House, 12-16 Mosley Street, M2 3AQ Manchester, United Kingdom
- Company register
- Companies House 11075085
- Incorporated
- 21 Nov 2017
- Founder
- Kevin Mountford
- Former name
- Raisin Platforms Ltd
Online
- Websites & references
- raisin.com ↗
helpcentre.raisin.com ↗ help centre (FAQs) - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 12 pages consulted
- find-and-update.company-information.service.gov.uk/company/11075085
- find-and-update.company-information.service.gov.uk/company/11075085/officers
- find-and-update.company-information.service.gov.uk/company/11075085/persons-with-significant-control
- fca.org.uk/news/warnings/raisin-finance-raisin-uk-clone-fca-authorised-firm
- raisin.com/en-gb/
- raisin.com/en-gb/terms-and-conditions/
- raisin.com/en-gb/deposit-protection/
- raisin.com/en-gb/about-us/
- raisin.com/en-gb/how-raisin-uk-works/
- raisin.com/en-gb/newsroom/raisin-partners-clearbank/
- fintechfutures.com/job-cuts-new-hires/new-raisin-uk-ceo-jules-di-mambro-appointment
- businesscloud.co.uk/news/raisin-uk-names-industry-heavyweight-as-new-ceo/
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Several models
- Licensed firm it operates under
- ClearBank, United Kingdom Service Bank that provides customers' Transaction Accounts. Raisin UK acts as its outsourced service provider for certain services.
The FCA authorises the firm as a payment institution under the Payment Services Regulations 2017 (FRN 978619). The firm uses this authorisation to provide account information and payment initiation services on customers' Transaction Accounts. The FCA also authorises it under the Financial Services and Markets Act 2000 for investment services (FRN 813894). ClearBank, a bank authorised by the Prudential Regulation Authority (PRA), holds the Transaction Accounts under its own banking licence.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 978619 | In its own name | Active | raisin.com ↗ |
| Financial Conduct Authority United Kingdom | Authorised firm under the Financial Services and Markets Act 2000 (investment services) | 813894 | In its own name | Active | raisin.com ↗ |
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
- Deposits at a partner bankCustomers' funds sit in a Transaction Account at ClearBank, and savings sit at UK partner banks, either directly or through the firm as bare trustee. The firm states that eligible deposits at each bank are protected by the Financial Services Compensation Scheme (FSCS) up to GBP 120,000.
- Deposit-holding bank · Sponsor bank
- ClearBank United Kingdom
- Payment schemes and card networks
- Faster Payments Through a partner raisin.com ↗
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
Through a single Raisin UK account, UK-resident consumers can open fixed rate bonds, easy access and notice accounts from over 40 UK partner banks and building societies. For some partner banks, the firm places the deposits itself as bare trustee, and it earns an intermediary fee from the partner banks.
The firm serves individuals aged 18 or over whose sole tax residence is the UK.
- Sells to
- Consumers · Financial institutions
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Jules di Mambro CEO, Raisin UK
- Executive
- Katharina Lüth Managing Director, Chief Client Officer
- Executive
- Verena Thaler UK Director and Group Chief of Staff
- Compliance / MLRO
- Alexa Lloyd-Owen Head of Compliance, UK
- Founder
- Kevin Mountford Co-Founder
- Executive
- Liz Boyes Head of Legal, UK
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Raisin UK appointed Jules di Mambro as chief executive after FCA approval. He succeeded Steven Amos, who had led the firm for four years.
fintechfutures.com ↗ -
Leadership
Steven Amos resigned as a director of the firm on 31 July 2026, according to Companies House.
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.
Regulator warnings
Researched 29 Sep 2026 · Sources
-
Impersonation Financial Conduct Authority, United Kingdom
The FCA warned that fraudsters using the names Raisin Finance and Raisin UK were impersonating the firm. It last updated the warning on 16 February 2026.
fca.org.uk ↗
Entries on regulators’ consumer-warning lists that name the firm or its brand. An impersonation warning is about fraudsters posing as the firm, not about the firm itself.
Identifiers
- Licence no. · FCA-PSD
- 978619
- BIC
- Holds no BIC in Swift’s directory
- LEI
- No LEI mapped
- Elucidate firm ID
- b13221b076f1
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.
- Main licence class
- Payment Institution
- Activities
- Payment services
- Licensed in
- United Kingdom · Europe & Central Asia
- First registered
- 2023-06-29
- Website
- www.raisin.com/en-gb ↗
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
No LEI is matched to this entry, so GLEIF relationship records cannot be linked.
Addresses
- Address on the register
- Raisin UK, Cobden House 12-16, Mosley Street, Manchester, M2 3AQ
- Country
- United Kingdom
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
This institution holds no BIC. A CBPR+ message identifies it by name and postal address, and may add its LEI or a clearing code.
- Identified by
- Name and postal address. No LEI or clearing code is mapped in the directory
- Postal address
- Hybrid: town, postcode and country in their own elements, the rest in two address lines
<FinInstnId>
<Nm>Raisin Platforms Limited</Nm>
<PstlAdr>
<PstCd>M2 3AQ</PstCd>
<TwnNm>Manchester</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>Raisin UK, Cobden House 12-16</AdrLine>
<AdrLine>Mosley Street</AdrLine>
</PstlAdr>
</FinInstnId>CBPR+ identifies the instructing and instructed agents by BIC only. An institution without a BIC can be the debtor, creditor or an intermediary agent.
The values are as published by the register. Check them against your own records before use.
Sources & method
Register entries come from the public registers of financial regulators, standardised into one taxonomy. LEIs are matched through GLEIF, and a BIC is linked only through a shared LEI.
An institution missing from these registers is not necessarily unregulated.
Register entries are not matched against the OFAC or EU sanctions lists. Where the legal entity also holds a BIC, the matches for that BIC are on its page. Always screen against the official lists.
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 →Register for this page
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · source ↗ 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.
Assess the financial crime risk behind a licence
A licence records what an institution is authorised to do; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks and payment institutions.
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