--- title: "Tink Financial Services Limited · Authorised Payment Institution (FCA) · United Kingdom | Elucidate" description: "Tink Financial Services Limited is authorised by FCA as an authorised payment institution in the United Kingdom. Licence 988456. Register status, licences, activities and ownership." url: https://elucidate.co/directory/tink-financial-services-limited-b1d901555aeb --- 1. [Directory](https://elucidate.co/directory) 2. [United Kingdom](https://elucidate.co/directory/country/gb) 3. Tink Financial Services Limited United Kingdom · Payments & e-money # Tink Financial Services Limited Trading as Tink, A Visa Solution · Tink Financial Technology · Tink Tink Financial Services Limited is a private limited company registered in England, with its office at 1 Sheldon Square, London. The FCA authorises the firm as an authorised payment institution (FRN 988456) to provide account information and payment initiation services in the UK. It belongs to the Tink group, which Visa Inc. acquired in March 2022, and trades as Tink, A Visa Solution. It provides open banking data and payment services to banks, fintechs and merchants through Tink's API. It also offers a settlement product with The Currency Cloud Limited, which issues the e-money and safeguards the funds. Register status Licensed in the United Kingdom Authorised Payment Institution · FCA Prudential licence [1 licence or registration ↓](https://elucidate.co/directory/tink-financial-services-limited-b1d901555aeb#licences) BIC **No BIC** LEI **No LEI mapped** [Licence no. **988456**](https://elucidate.co/directory/tink-financial-services-limited-b1d901555aeb#licences) ## Licences and registrations Held by Tink Financial Services 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 | 988456 | [United Kingdom](https://elucidate.co/directory/country/gb) | Active | 2023-09-27 | — | - Payment services | [Search the register ↗](https://register.fca.org.uk/s/) | Trading names on the register: Tink, A Visa Solution (FCA-PSD), Tink Financial Technology (FCA-PSD), Tink (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/tink-financial-services-limited-b1d901555aeb#overview-sources) Customers Not published Employees Not published Ownership Group subsidiary Firm type Open banking Trades as Tink, A Visa Solution - **Ownership:** The firm belongs to the Tink group, which Visa Inc. acquired in March 2022 and which Tink describes as wholly owned by Visa. - **Ultimate owner:** Visa Inc., United States - **Head office:** 1 Sheldon Square, W2 6TT London, United Kingdom - **Company register:** Companies House 12347825 - **Incorporated:** 4 Dec 2019 ### Online - **Websites & references:** [tink.com ↗](https://tink.com/) [docs.tink.com ↗](https://docs.tink.com/) developer documentation [status.tink.com ↗](https://status.tink.com/) service status page [console.tink.com ↗](https://console.tink.com/login) customer console - **Official social accounts:** [LinkedIn ↗](https://linkedin.com/company/tink-ab) · [X ↗](https://twitter.com/tink) · [Facebook ↗](https://www.facebook.com/tink.se/) · [YouTube ↗](https://www.youtube.com/@TinkOpenBanking) Sources · 11 pages consulted 1. [register.fca.org.uk/s/firm?id=0014G000035DVMFQA4](https://register.fca.org.uk/s/firm?id=0014G000035DVMFQA4) 2. [find-and-update.company-information.service.gov.uk/company/12347825](https://find-and-update.company-information.service.gov.uk/company/12347825) 3. [find-and-update.company-information.service.gov.uk/company/12347825/officers](https://find-and-update.company-information.service.gov.uk/company/12347825/officers) 4. [find-and-update.company-information.service.gov.uk/company/12347825/persons-with-significant-control](https://find-and-update.company-information.service.gov.uk/company/12347825/persons-with-significant-control) 5. [find-and-update.company-information.service.gov.uk/company/12347825/filing-history](https://find-and-update.company-information.service.gov.uk/company/12347825/filing-history) 6. [tink.com](https://tink.com/) 7. [tink.com/legal/faq/](https://tink.com/legal/faq/) 8. [cdn.tink.se/legal/terms-and-conditions/en\_UK/end-user-terms-of-service-en\_UK-2510-v2.pdf](https://cdn.tink.se/legal/terms-and-conditions/en_UK/end-user-terms-of-service-en_UK-2510-v2.pdf) 9. [tink.com/blog/open-banking/visa-a2a-uk-vrp/](https://tink.com/blog/open-banking/visa-a2a-uk-vrp/) 10. [tink.com/press/visa-completes-acquisition-tink/](https://tink.com/press/visa-completes-acquisition-tink/) 11. [tink.com/about-us/](https://tink.com/about-us/) ## Authorisation Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/tink-financial-services-limited-b1d901555aeb#overview-sources) - **Operates under:** Several models - **Licensed firm it operates under:** The Currency Cloud Limited, United Kingdom partner for the provision of payment and e-money services in the United Kingdom (Tink Settlement product) The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017 to provide account information and payment initiation services. For its Settlement product, The Currency Cloud Limited provides the payment and e-money services as an FCA-authorised electronic money institution (FRN 900199). | Authority | Licence or registration | Number | Held | Status | Source | | --- | --- | --- | --- | --- | --- | | Financial Conduct Authority United Kingdom | Authorised Payment Institution | 988456 | In its own name | Active | [register.fca.org.uk ↗](https://register.fca.org.uk/s/firm?id=0014G000035DVMFQA4) | 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/tink-financial-services-limited-b1d901555aeb#overview-sources) - **Safeguarding:** Segregated safeguarding accountsFor the Settlement product, The Currency Cloud Limited issues e-money for customer funds and safeguards them at a bank until they are paid out to the beneficiary, according to Tink. [tink.com ↗](https://tink.com/legal/faq/) - **Safeguarding bank · Partner:** The Currency Cloud Limited United Kingdom [tink.com ↗](https://tink.com/legal/faq/) 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/tink-financial-services-limited-b1d901555aeb#overview-sources) - Payment initiation (open banking) - Account information (open banking) - Payouts and mass payments It provides account information and payment initiation services, such as Pay by Bank and variable recurring payments, to UK businesses through Tink's API. It also offers a settlement product in partnership with The Currency Cloud Limited. According to Tink, the firm holds a UK licence and provides its services in the UK, while Tink AB and Tink Germany GmbH serve the EEA. - **Sells to:** Financial institutions · Enterprises · Platforms and marketplaces - **Serves customers in:** United Kingdom ## Leadership Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/tink-financial-services-limited-b1d901555aeb#overview-sources) - **Executive:** Ian Christopher Morrin Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/officers) - **Executive:** Axel Boye-Möller Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/officers) - **Executive:** James Houslay Director Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/officers) - **Executive:** Richard Cusack Company Secretary Confirmed 29 Sep 2026 · [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/officers) ## Recent events Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/tink-financial-services-limited-b1d901555aeb#overview-sources) 1. Aug 2026 Leadership The firm appointed Axel Boye-Möller and James Houslay as directors on 28 August 2026. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/filing-history) 2. Jul 2026 Leadership Robert Philip Livingston resigned as a director of the firm on 10 July 2026. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/officers) 3. Sep 2025 Leadership Guillermo Lopez Perez resigned as a director of the firm on 15 September 2025. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/filing-history) 4. Jun 2025 Other Tink announced that it had become one of the first members of Visa A2A, a UK framework for Pay by Bank and variable recurring payments. [tink.com ↗](https://tink.com/blog/open-banking/visa-a2a-uk-vrp/) 5. Sep 2024 Other The firm moved its registered office from 5 Upper Montagu Street to 1 Sheldon Square, London, on 13 September 2024. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/filing-history) 6. May 2024 Leadership Guillermo Lopez Perez replaced Sharon Julie Dean as a director of the firm on 16 May 2024. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/filing-history) 7. Mar 2024 Leadership Ian Christopher Morrin replaced Thomas Oliver Pope as a director of the firm on 28 March 2024. [find-and-update.company-information.service.gov.uk ↗](https://find-and-update.company-information.service.gov.uk/company/12347825/filing-history) 8. Sep 2023 Licence The FCA authorised the firm as an authorised payment institution on 27 September 2023. [register.fca.org.uk ↗](https://register.fca.org.uk/s/firm?id=0014G000035DVMFQA4) 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 - **Licence no. · FCA-PSD:** 988456 - **BIC:** Holds no BIC in Swift’s directory - **LEI:** No LEI mapped - **Elucidate firm ID:** b1d901555aeb ## 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:** 2023-09-27 - **Website:** [www.tink.com ↗](https://www.tink.com/) 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:** 1 Sheldon square, London, W2 6TT - **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 one address line ```xml Tink Financial Services Limited W2 6TT London GB 1 Sheldon square ``` 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.