United Kingdom · Payments & e-money
Transferto Mobile Financial Services LTD
TransferTo Mobile Financial Services Ltd is a private limited company registered in England and Wales with its office in London. The FCA authorises it as a payment institution under the Payment Services Regulations 2017, reference 720167. It trades as Thunes and is the UK operating company of the Singapore-based Thunes group. Its immediate parent is TTMFS Singapore Pte. Ltd. It provides business-to-business cross-border payout and money remittance services to money transfer operators, mobile wallet operators, banks, payment service providers and digital platforms.
Licences and registrations
Held by Transferto Mobile Financial Services LTD (LEI 9845009EE07E5F2EBF12). 3 entries on 2 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 & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 720167 | United Kingdom | Active | 2018-05-03 | — |
|
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| Money Services Business RegistryFINTRACLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Foreign MSB (FMSB)Money Transmitter / Remittance | M20486473 | Canada | Active | 2020-12-16 | Renews 2028-07-17 |
|
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| FCA Financial Services Register - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Small Payment InstitutionPayment Institution | 683824 | United Kingdom | Cancelled - Small PI (Former 3MLD) | — | Ended 2016-01-05 |
|
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Licences and registrations listed here were granted in Canada. This BIC is registered in the United Kingdom.
Trading names on the register: Thunes (FCA-PSD, FINTRAC-MSB)
- 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
- TMFSGB2LXXX 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 TMFSGB2L 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
- 2019-10-05
- Last updated
- 2025-06-06
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Ownership
Group subsidiary
TTMFS Singapore Pte. Ltd.
Firm type
Payment infrastructure
Trades as Thunes
- Ownership
- According to its 2024 accounts, TTMFS Singapore Pte. Ltd. is the immediate parent, TransferTo Investments Pte. Ltd. heads the largest consolidating group and Digital Innovations Holdings LLC of the United States is the ultimate holding company. Companies House lists Alain Bern Green as the person with significant control, holding more than 50% but less than 75% of shares and voting rights.
- Direct parent
- TTMFS Singapore Pte. Ltd., Singapore
- Ultimate owner
- Digital Innovations Holdings LLC, United States
- Major shareholder
- Alain Bern Green (person with significant control, 50% to 75%)
- Head office
- Office 302, 70 St. Mary Axe, EC3A 8BE London, United Kingdom
- Company register
- Companies House 09171042
- Incorporated
- 12 Aug 2014
- Founder
- Peter De Caluwe
- Former name
- TRANSFERTO MOBILE MONEY LTD
Online
- Websites & references
- thunes.com ↗
docs.thunes.com ↗ developer portal and API documentation
businesshub.thunes.com ↗ Thunes Business Hub client portal
Wikipedia ↗ group article - Official social accounts
- LinkedIn ↗
Sources · 13 pages consulted
- find-and-update.company-information.service.gov.uk/company/09171042
- find-and-update.company-information.service.gov.uk/company/09171042/officers
- find-and-update.company-information.service.gov.uk/company/09171042/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/09171042/filing-history
- find-and-update.company-information.service.gov.uk/company/09171042/filing-history/MzUxODQ0ODMzMWFkaXF6a2N4/document?format=pdf&download=0
- thunes.com/
- thunes.com/about-us/
- thunes.com/a-fully-compliant-and-regulated-network/
- thunes.com/news/thunes-raises-usd-150-million-in-series-d-led-by-apis-partners-and-vitruvian-partner
- thunes.com/news/thunes-expands-its-leadership-to-accelerate-growth/
- ir.westernunion.com/news/archived-press-releases/press-release-details/2019/Western-Union-Teams-Up-with-Thune
- fintechfutures.com/paytech/thunes-ceo-floris-de-kort-steps-down
- en.wikipedia.org/wiki/Thunes
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an authorised payment institution under the Payment Services Regulations 2017, reference 720167. FINTRAC registers it in Canada as a foreign money services business, number M20486473.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 720167 | In its own name | Active | thunes.com ↗ |
| Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) Canada | Foreign Money Services Business (money transmitter / remittance) | M20486473 | In its own name | Active | — |
| HM Revenue and Customs United Kingdom | Money Laundering Regulations registration as a Money Transmitter | 12807977 | In its own name | Status unconfirmed | ir.westernunion.com ↗ |
| Financial Conduct Authority United Kingdom | Small Payment Institution | 683824 | In its own name | Withdrawn or expired | — |
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 accountsThunes states that it keeps funds received from or held for its members separate from its own corporate funds, in dedicated safeguarding accounts with authorised credit institutions.
- Payment schemes and card networks
- Swift Direct thunes.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
According to its 2024 accounts, the firm runs a network that links money transfer operators, mobile operators, banks, merchants and corporates, so they can move money in real time to and from emerging markets. It earns transaction fees and foreign exchange spread income.
The firm holds an FCA authorisation in the UK and a FINTRAC foreign money services business registration in Canada. Its 2024 accounts report branches in Dubai, Singapore and Saudi Arabia and a network reaching more than 128 countries.
- Revenue
- USD 78.1m
- Sells to
- Financial institutions · Platforms and marketplaces · Enterprises
- Serves customers in 5 countries
- United Kingdom · Canada · United Arab Emirates · Singapore · Saudi Arabia
- Latest funding round
- Series D · USD 150m Apr 2025Led by Apis Partners, Vitruvian Partners
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Peter De Caluwe
Deputy Chairman and CEO, Thunes (group); Co-Founder
- Chair
-
Allan Green
Chairman, Thunes (group)
- Chief financial officer
-
Parvinder Bhatia
Chief Financial Officer, Thunes (group)
- Compliance / MLRO
-
Ruwan De Soyza
Chief Legal & Compliance Officer, Thunes (group)
- Executive
- Chloé Mayenobe Director of the entity; Deputy CEO, Thunes (group)
- Executive
- Andrew Stewart Director of the entity; Chief Revenue Officer, Thunes (group)
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
Co-founder Peter De Caluwe returned as Thunes group CEO, succeeding Floris de Kort, who left in October 2025.
fintechfutures.com ↗ -
Leadership
Floris de Kort resigned as a director of the firm and Simon Nelson was appointed a director on 15 September 2025.
find-and-update.company-information.service.gov.uk ↗ -
Funding
The Thunes group announced a USD 150 million Series D round led by Apis Partners and Vitruvian Partners.
thunes.com ↗ -
Funding
The firm issued 5,000,000 ordinary shares for GBP 5 million (USD 6.37 million) to fund the expansion of its operations.
find-and-update.company-information.service.gov.uk ↗ -
Other
Companies House published a first Gazette notice for compulsory strike-off and discontinued it on 16 March 2024, after the 2022 accounts were filed.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Thunes appointed Floris de Kort as group CEO and made Peter De Caluwe Deputy Chairman.
thunes.com ↗
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
- TMFSGB2LXXX
- How the BIC breaks down
- TMFSBank
- GBCountry · United Kingdom
- 2LLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 9845009EE07E5F2EBF12
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 720167
- Licence no. · FINTRAC-MSB
- M20486473
- Licence no. · FCA-PSD
- 683824
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entries: Matched by Elucidate on the UK company number the register gives.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry IDs
- f8da54a6d59e · f9c4d0ded45c
Profile
- Type
- Payments & e-money · Money service businessPayment 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
- 3 entries on 2 registers
- Activities
- Payment services
- Money remittance
- Licensed in
- United Kingdom · Canada
- Website (register)
- www.thunes.com ↗
- 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
- 70, ST. MARY AXE, OFFICE 302 LONDON EC3A 8BE UNITED KINGDOM
- Operational address
- 70 ST. MARY AXE OFFICE 302 LONDON LONDON EC3A 8BE 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>TMFSGB2LXXX</BICFI>
<LEI>9845009EE07E5F2EBF12</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>TMFSGB2LXXX</BICFI>
<LEI>9845009EE07E5F2EBF12</LEI>
<Nm>TRANSFERTO MOBILE FINANCIAL SERVICES LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>70, ST. MARY AXE, OFFICE 302 LONDON EC3A 8BE</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 - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Money Services Business Registry—Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) · 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: thunes.com (official website) · original; Peter De Caluwe: thunes.com (official website) · original; Allan Green: thunes.com (official website) · original; Parvinder Bhatia: thunes.com (official website) · original; Ruwan De Soyza: thunes.com (official website) · original.
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