United Kingdom · Payments & e-money
Spend Ltd.
Spend Ltd. is a private limited company registered in England and Wales and based in London. The FCA authorises it as an electronic money institution under the Electronic Money Regulations 2011, with firm reference number 931540. Since 6 January 2026 it has been owned by Metablock Ventures Ltd, a company incorporated in Bermuda. It offers multi-currency accounts, foreign exchange, cross-border payments and prepaid cards to SMEs, corporates and regulated financial institutions. It traded as Swipe International Ltd until it changed its name on 12 August 2025.
Licences and registrations
Held by Spend Ltd. (LEI 9845009A03BC77F2F852). 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 | 931540 | United Kingdom | Active | 2021-07-22 | — |
|
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
- SWPIGB2LXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under SWPIGB2L directly.
- 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
- 2023-12-09
- Last updated
- 2025-09-17
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Privately held
Metablock Ventures Ltd
Firm type
FX and business payments
Trades as Spend
- Standing
- The firm changed its name from Swipe International Ltd to Spend Ltd. on 12 August 2025. According to its accounts, Metablock Ventures Ltd of Bermuda acquired the firm on 6 January 2026.
- Ownership
- Metablock Ventures Ltd, a company incorporated in Bermuda under number 202302517, holds 75% or more of the shares, according to Companies House filings from 6 January 2026.
- Direct parent
- Metablock Ventures Ltd, Bermuda
- Head office
- 142 Central Street, Clerkenwell, EC1V 8AR London, United Kingdom
- Company register
- Companies House 12590979
- Incorporated
- 7 May 2020
- Former name
- SWIPE INTERNATIONAL LTD
Online
- Websites & references
- spend.co ↗
app.spend.co ↗ customer sign-up and sign-in platform
globalpayments.spend.co ↗ website named in the corporate terms as the account platform - Official social accounts
- None found
Sources · 11 pages consulted
- spend.co/
- spend.co/company
- spend.co/corporate-terms
- spend.co/business-services
- spend.co/terms-conditions
- find-and-update.company-information.service.gov.uk/company/12590979
- find-and-update.company-information.service.gov.uk/company/12590979/officers
- find-and-update.company-information.service.gov.uk/company/12590979/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/12590979/filing-history
- find-and-update.company-information.service.gov.uk/company/12590979/filing-history/MzUwODc4ODk3NGFkaXF6a2N4/document?format=pdf&download=0
- register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CWmx
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 and the Payment Services Regulations 2017. It issues its e-money accounts and its prepaid card in its own name.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 931540 | In its own name | Active | — |
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 holds customer funds in safeguarded bank accounts kept separate from its own funds. It does not name the safeguarding bank.
- Payment schemes and card networks
- Faster Payments Access not stated spend.co ↗
BACS Access not stated spend.co ↗
CHAPS Access not stated spend.co ↗
SEPA Access not stated spend.co ↗
Swift Access not stated spend.co ↗
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 describes its offer as cross-border payments and multi-currency accounts in more than 25 currencies. It says the accounts come with dedicated IBANs, a GBP e-money prepaid card and bulk payments.
Its corporate terms require business customers to be domiciled in the UK, and it sends payments to other countries.
- Revenue
- GBP 187,235
- Sells to
- Small businesses · Enterprises · Financial institutions · Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- William Brown Director
Recent events
Researched 29 Sep 2026 · Sources
-
Merger / acquisition
Metablock Ventures Ltd, incorporated in Bermuda, acquired the firm from APSI Holdings Limited on 6 January 2026.
find-and-update.company-information.service.gov.uk ↗ -
Other
The firm changed its name from Swipe International Ltd to Spend Ltd. by special resolution.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Richard Anthony Lawson Braham resigned as a director on 28 April 2025, leaving William Brown as sole director.
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
- SWPIGB2LXXX
- How the BIC breaks down
- SWPIBank
- GBCountry · United Kingdom
- 2LLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9845009A03BC77F2F852
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 931540
- 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
- 66fe75997e95
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
- Website (register)
- spend.co ↗
- 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
- 142 CENTRAL STREET LONDON EC1V 8AR UNITED KINGDOM
- Operational address
- 142 CENTRAL STREET LONDON LONDON EC1V 8AR 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>SWPIGB2LXXX</BICFI>
<LEI>9845009A03BC77F2F852</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>SWPIGB2LXXX</BICFI>
<LEI>9845009A03BC77F2F852</LEI>
<Nm>SPEND LTD.</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>142 CENTRAL STREET LONDON EC1V 8AR</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.
- 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: spend.co (official website).
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