United Kingdom · Payments & e-money
Remium Limited
Remium Limited is a private limited company registered in England and Wales, with its registered office in London. The Financial Conduct Authority (FCA) authorises it as an electronic money institution under the Electronic Money Regulations 2011, Firm Reference 901062. Mountain Valley Inc Limited holds 75% or more of its shares. Its 2025 accounts name Corey James as the ultimate controlling party. The firm offers personal and business accounts, payments, currency exchange and debit cards. It traded as Vorapay Limited until 5 December 2022.
Licences and registrations
Held by Remium Limited (LEI 984500636Y36V05FD388). 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 | 901062 | United Kingdom | Active | 2021-01-28 | — |
|
Search the register ↗ |
- 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
- RELMGB22XXX 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 RELMGB22 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
- Other BIC with this LEI
- VORPGB22
- BIC first registered
- 2025-07-05
- Last updated
- 2025-07-05
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Privately held
Mountain Valley Inc Limited
Firm type
E-money and accounts
Trades as Remium
- Standing
- The firm was incorporated as Vorapay Limited on 26 September 2019. It changed its name to Remium Limited on 5 December 2022.
- Ownership
- Mountain Valley Inc Limited (Companies House 13821979) holds 75% or more of the shares, and the 2025 accounts name Corey James as ultimate controlling party through his holdings in the firm and its parent.
- Direct parent
- Mountain Valley Inc Limited, United Kingdom
- Ultimate owner
- Corey James, United Kingdom
- Head office
- 78 Cannon Street, EC4N 6HL London, United Kingdom
- Company register
- Companies House 12227815
- Incorporated
- 26 Sep 2019
- Former name
- VORAPAY LIMITED
Online
- Websites & references
- remium.com ↗
- Official social accounts
- None found
Sources · 7 pages consulted
- find-and-update.company-information.service.gov.uk/company/12227815
- find-and-update.company-information.service.gov.uk/company/12227815/officers
- find-and-update.company-information.service.gov.uk/company/12227815/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/12227815/filing-history
- find-and-update.company-information.service.gov.uk/company/12227815/filing-history/MzUzNTE2ODA1NGFkaXF6a2N4/document?format=xhtml&download=1
- remium.com/personal
- remium.com/about-us
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 (Firm Reference 901062). The authorisation dates from 28 January 2021 and covers e-money issuance and payment services.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 901062 | In its own name | Active | remium.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
- Segregated safeguarding accountsAccording to its 2025 accounts, customer funds are kept separate from the firm's own funds and held with approved safeguarding institutions under the Electronic Money Regulations 2011 and Payment Services Regulations 2017.
- Payment schemes and card networks
- Visa Direct find-and-update.company-information.service.gov.uk ↗
UnionPay Direct find-and-update.company-information.service.gov.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 offers e-money accounts, domestic and international payments, currency exchange and physical and virtual debit cards to private individuals and businesses. Its 2025 accounts say its revenue comes from transaction fees and foreign exchange.
The firm operates under its UK authorisation. Its 2025 accounts attribute all of its revenue to the United Kingdom.
- Revenue
- GBP 439,418
- Sells to
- Consumers · Small businesses · Enterprises
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Corey Frances James Director
- Executive
- Ricardo Salcedo Director
- Executive
- Greg Stephen Poulter Director
Recent events
Researched 29 Sep 2026 · Sources
-
Other
In accounts filed in July 2026, the firm reported that it obtained approval for Visa and UnionPay principal memberships during 2025.
find-and-update.company-information.service.gov.uk ↗ -
Funding
The firm allotted new shares on 5 January 2026, raising its issued share capital to GBP 1,852,020 and EUR 350,000.
find-and-update.company-information.service.gov.uk ↗ -
Funding
The firm converted a shareholder convertible loan into 1,800,000 ordinary shares of GBP 1 each.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Greg Stephen Poulter was appointed a director on 21 July 2025, and Stephen Reay resigned as a director the same day.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Ricardo Salcedo was appointed a director on 19 March 2025, after resigning from the board in August 2024.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Corey Frances James was appointed a director on 2 January 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
- RELMGB22XXX
- How the BIC breaks down
- RELMBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 984500636Y36V05FD388
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 901062
- 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
- 5b5978b88637
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
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 78 CANNON STREET LONDON EC4N 6HL UNITED KINGDOM
- Operational address
- 48 DOVER STREET MAYFAIR LONDON LONDON W1S 4FF 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>RELMGB22XXX</BICFI>
<LEI>984500636Y36V05FD388</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>RELMGB22XXX</BICFI>
<LEI>984500636Y36V05FD388</LEI>
<Nm>REMIUM LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>78 CANNON STREET LONDON EC4N 6HL</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
- 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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