--- title: "Raisin Platforms Limited · Authorised Payment Institution (FCA) · United Kingdom | Elucidate" description: "Raisin Platforms Limited is authorised by FCA as an authorised payment institution in the United Kingdom. Licence 978619. Register status, licences, activities and ownership." url: https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1 --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Raisin Platforms Limited United Kingdom · Payments & e-money # Raisin Platforms Limited Trading as Raisin 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. Register status Licensed in the United Kingdom Authorised Payment Institution · FCA Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#licences) BIC **No BIC** LEI **No LEI mapped** [Licence no. **978619**](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#licences) ## 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 & RAISPs](https://elucidate.co/directory/register/fca-psd) FCA | Authorised Payment InstitutionPayment Institution | 978619 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2023-06-29 | — | - Payment services | [Search the register ↗](https://register.fca.org.uk/s/) | 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](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#overview-sources) Customers 1,000,000 customers · Group · 24 Sep 2026 · [company statement ↗](https://www.raisin.com/en-gb/about-us/) 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 ↗](https://www.raisin.com/en-gb/) [helpcentre.raisin.com ↗](https://helpcentre.raisin.com/hc/en-us) help centre (FAQs) - **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/showcase/raisin-uk/) · [Facebook ↗](https://www.facebook.com/RaisinUK/) · [Instagram ↗](https://www.instagram.com/raisin_uk/) · [YouTube ↗](https://www.youtube.com/@RaisinUK) - **Apps:** [App Store ↗](https://apps.apple.com/gb/app/id1515520813) · [Google Play ↗](https://play.google.com/store/apps/details?id=com.raisin.app) Sources · 12 pages consulted 1. [find-and-update.company-information.service.gov.uk/company/11075085](https://find-and-update.company-information.service.gov.uk/company/11075085) 2. [find-and-update.company-information.service.gov.uk/company/11075085/officers](https://find-and-update.company-information.service.gov.uk/company/11075085/officers) 3. [find-and-update.company-information.service.gov.uk/company/11075085/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/11075085/persons-with-significant-control) 4. [fca.org.uk/news/warnings/raisin-finance-raisin-uk-clone-fca-authorised-firm](https://www.fca.org.uk/news/warnings/raisin-finance-raisin-uk-clone-fca-authorised-firm) 5. [raisin.com/en-gb/](https://www.raisin.com/en-gb/) 6. [raisin.com/en-gb/terms-and-conditions/](https://www.raisin.com/en-gb/terms-and-conditions/) 7. [raisin.com/en-gb/deposit-protection/](https://www.raisin.com/en-gb/deposit-protection/) 8. [raisin.com/en-gb/about-us/](https://www.raisin.com/en-gb/about-us/) 9. [raisin.com/en-gb/how-raisin-uk-works/](https://www.raisin.com/en-gb/how-raisin-uk-works/) 10. [raisin.com/en-gb/newsroom/raisin-partners-clearbank/](https://www.raisin.com/en-gb/newsroom/raisin-partners-clearbank/) 11. [fintechfutures.com/job-cuts-new-hires/new-raisin-uk-ceo-jules-di-mambro-appointment](https://www.fintechfutures.com/job-cuts-new-hires/new-raisin-uk-ceo-jules-di-mambro-appointment) 12. [businesscloud.co.uk/news/raisin-uk-names-industry-heavyweight-as-new-ceo/](https://businesscloud.co.uk/news/raisin-uk-names-industry-heavyweight-as-new-ceo/) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#overview-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 ↗](https://www.raisin.com/en-gb/terms-and-conditions/) | | 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 ↗](https://www.raisin.com/en-gb/terms-and-conditions/) | 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](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#overview-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. [raisin.com ↗](https://www.raisin.com/en-gb/deposit-protection/) - **Deposit-holding bank · Sponsor bank:** ClearBank United Kingdom [raisin.com ↗](https://www.raisin.com/en-gb/deposit-protection/) - **Payment schemes and card networks:** Faster Payments Through a partner [raisin.com ↗](https://www.raisin.com/en-gb/newsroom/raisin-partners-clearbank/) 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](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#overview-sources) - Account information (open banking) - Payment initiation (open banking) 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](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#overview-sources) - **Chief executive:** Jules di Mambro CEO, Raisin UK Confirmed 29 Sep 2026 · [raisin.com ↗](https://www.raisin.com/en-gb/about-us/) - **Executive:** Katharina Lüth Managing Director, Chief Client Officer Confirmed 29 Sep 2026 · [raisin.com ↗](https://www.raisin.com/en-gb/about-us/) - **Executive:** Verena Thaler UK Director and Group Chief of Staff Confirmed 29 Sep 2026 · [raisin.com ↗](https://www.raisin.com/en-gb/about-us/) - **Compliance / MLRO:** Alexa Lloyd-Owen Head of Compliance, UK Confirmed 29 Sep 2026 · [raisin.com ↗](https://www.raisin.com/en-gb/about-us/) - **Founder:** Kevin Mountford Co-Founder Confirmed 29 Sep 2026 · [raisin.com ↗](https://www.raisin.com/en-gb/about-us/) - **Executive:** Liz Boyes Head of Legal, UK Confirmed 29 Sep 2026 · [raisin.com ↗](https://www.raisin.com/en-gb/about-us/) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#overview-sources) 1. Sep 2026 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 ↗](https://www.fintechfutures.com/job-cuts-new-hires/new-raisin-uk-ceo-jules-di-mambro-appointment) 2. Jul 2026 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 ↗](https://find-and-update.company-information.service.gov.uk/company/11075085/officers) 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](https://elucidate.co/directory/raisin-platforms-limited-b13221b076f1#overview-sources) 1. 9 Mar 2023 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 ↗](https://www.fca.org.uk/news/warnings/raisin-finance-raisin-uk-clone-fca-authorised-firm) 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-money - **Regulation:** Prudential licence - **Main licence class:** Payment Institution - **Activities:** - Payment services - **Licensed in:** [United Kingdom](https://elucidate.co/directory/country/gb) · Europe & Central Asia - **First registered:** 2023-06-29 - **Website:** [www.raisin.com/en-gb ↗](https://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 ```xml Raisin Platforms Limited M2 3AQ Manchester GB Raisin UK, Cobden House 12-16 Mosley Street ``` 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. ## Related institutions ### Other payments & e-money institutions in the United Kingdom - [Stonex Financial LTD BIC IGLUGB2L Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 446717 (FCA-PSD) · also on FINTRAC-MSB · LEI 549300AWF3TOHRYL7754](https://elucidate.co/directory/stonex-financial-ltd-iglugb2l) - [Dex International Limited · trading as DEXREMIT No BIC Payments & e-money Crypto Money service business Prudential licence United Kingdom · Licensed by FCA · 503929 (FCA-PSD) · also on HMRC-MLR, FINTRAC-MSB · LEI 9845003995D06S994R04](https://elucidate.co/directory/dex-international-limited-ff2b0c01c725) - [Euronet Payment Services Ltd · trading as Ria Money Transfer, Ria No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 504630 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/euronet-payment-services-ltd-6f4dec33a392) - [Instinet Europe Limited BIC ISNTGB2L Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 140822 (FCA-PSD) · LEI 213800MXAKR2LA1VBM44](https://elucidate.co/directory/instinet-europe-limited-isntgb2l) - [Isx Financial UK LTD BIC ISFIGB22 Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 901034 (FCA-EMI) · LEI 2138007BDV9IRS8AYD07](https://elucidate.co/directory/isx-financial-uk-ltd-isfigb22) - [Western Union Payment Services GB Limited · trading as Manning House, WU No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 816890 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/western-union-payment-services-gb-limited-0741de977896) - [A to Z 4U Ltd · trading as SAAK REMIT, Saakpay No BIC Payments & e-money Money service business Prudential licence United Kingdom · Licensed by FCA · 570837 (FCA-PSD) · also on HMRC-MLR · No LEI mapped](https://elucidate.co/directory/a-to-z-4u-ltd-25c2ca0fa3b5) - [Allied Wallet Limited No BIC Payments & e-money Prudential licence United Kingdom · Licensed by FCA · 900124 (FCA-EMI) · also on FCA-PSD · LEI 213800HO66BDXP716G24](https://elucidate.co/directory/allied-wallet-limited-8983cc2e32eb) [See all →](https://elucidate.co/directory/search?type=payments&cc=GB) [Other entries on FCA-PSD →](https://elucidate.co/directory/register/fca-psd) 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 →](https://elucidate.co/directory/methodology) Register for this page - **FCA Financial Services Register - Payment Institutions & RAISPs**—Financial Conduct Authority (FCA) · [source ↗](https://register.fca.org.uk/s/) 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)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks and payment institutions. [Book a demo](https://elucidate.co/demo-request) Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.