United Kingdom · Payments & e-money
Transpaygo Limited
Transpaygo Limited is a private limited company incorporated in England and Wales in March 2014. The Financial Conduct Authority (FCA) authorises it as an authorised payment institution under firm reference number 722528. It operates the consumer brand Fonmoney, which offers online international money transfers and mobile top-ups. The firm's Fonmoney pages state that payment services from the EEA are provided by a separate Spanish entity, Mi Envío Entidad de Pago, S.L., which the Banco de España authorises (register 6926). Companies House lists Mirko Kinigadner and Matthias Wurmboeck as persons with significant control.
Licences and registrations
Held by Transpaygo Limited (LEI 529900ZWRCFFBUYOUW42). 2 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 | 722528 | United Kingdom | Active | 2018-04-23 | — |
|
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| HMRC MLR Supervised Business RegisterHMRCLinked by LEI. Matched by Elucidate on the UK company number the register gives. | Money Service BusinessMoney Transmitter / Remittance | XNML00000136786 | United Kingdom | EXPIRED | 2020-04-29 | Ended |
|
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Trading names on the register: C/O Ince Gd Corporate Services Limited Aldgate Tower (FCA-PSD, HMRC-MLR), Fonmoney (FCA-PSD, HMRC-MLR)
- 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
- TRYPGB22XXX 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 TRYPGB22 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
- BIC first registered
- 2022-04-02
- Last updated
- 2022-04-02
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Privately held
Firm type
Money remittance
Trades as Fonmoney
- Standing
- Companies House shows the company as active. Its last filed accounts run to 31 December 2024. Its HM Revenue & Customs (HMRC) money service business registration is shown as expired.
- Ownership
- Companies House records Mirko Alexander Kinigadner as holding more than 25% but not more than 50% of the shares. It records Matthias Wurmboeck as having significant influence or control.
- Major shareholder
- Mirko Alexander Kinigadner
- Head office
- Aldgate Tower, 2 Leman Street, E1 8QN London, United Kingdom (registered office: C/O Keystone Law, 48 Chancery Lane, London, United Kingdom, WC2A 1JF)
- Company register
- Companies House 08936601
- Incorporated
- 13 Mar 2014
Online
- Websites & references
- fonmoney.com ↗
transpaygo.com ↗ business site linked from the Fonmoney menu; the page fetched showed Fonmoney content
fonmoney.com.hr ↗ Croatian-language Fonmoney site carrying the Transpaygo Limited regulatory statement - Official social accounts
- None found
Sources · 8 pages consulted
- find-and-update.company-information.service.gov.uk/company/08936601
- find-and-update.company-information.service.gov.uk/company/08936601/officers
- find-and-update.company-information.service.gov.uk/company/08936601/persons-with-significant-control
- fonmoney.com.hr/faq
- fonmoney.com/faq
- transpaygo.com/Home/Terms
- fonmoney.com/fonmoney-great-reviews-safe-and-legit
- register.fca.org.uk/servlet/servlet.FileDownload?file=015b0000006CXC7
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an authorised payment institution (FRN 722528) for its UK money remittance service. The Fonmoney brand's EEA payment services are provided by Mi Envío Entidad de Pago, S.L. under a Banco de España authorisation, not under this firm's licence.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Payment Institution | 722528 | In its own name | Active | fonmoney.com.hr ↗ |
| HM Revenue & Customs United Kingdom | Money Service Business (Money Transmitter / Remittance) | XNML00000136786 | 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 accountsThe Fonmoney brand states that customer funds are held separately from company assets. The statement is made at brand level, not specifically for Transpaygo Limited.
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
Through its Fonmoney brand, the firm offers online money transfers to bank accounts, cash delivery and mobile top-ups. It advertises a wider range of services for Cuba, and its listed destinations include Venezuela, Colombia, Argentina and the Dominican Republic.
The FCA authorisation covers the firm's UK remittance service. The Fonmoney brand serves senders in the EU, Switzerland, Canada, Mexico and Chile through other entities.
- Sells to
- Consumers
- Serves customers in
- United Kingdom
Leadership
Researched 29 Sep 2026 · Sources
- Executive
- Mirko Kinigadner Director
- Executive
- Matthias Wurmboeck Director
- Executive
- Christopher Edward Bailey Director
Recent events
Researched 29 Sep 2026 · Sources
The research found no fines, investigations, security incidents, licence changes or corporate events from the last three years.
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
- TRYPGB22XXX
- How the BIC breaks down
- TRYPBank
- GBCountry · United Kingdom
- 22Location · reverse billing
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 529900ZWRCFFBUYOUW42
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-PSD
- 722528
- Licence no. · HMRC-MLR
- XNML00000136786
- 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 ID
- 7e84d1a88b32
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
- 2 entries on 2 registers
- Activities
- Payment services
- Money remittance
- Currency exchange
- Licensed in
- United Kingdom
- Website (register)
- www.fonmoney.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
- ALDGATE TOWER 2 LEMAN STREET LONDON E1 8QN UNITED KINGDOM
- Operational address
- ALDGATE TOWER 2 LEMAN STREET LONDON LONDON E1 8QN 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>TRYPGB22XXX</BICFI>
<LEI>529900ZWRCFFBUYOUW42</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>TRYPGB22XXX</BICFI>
<LEI>529900ZWRCFFBUYOUW42</LEI>
<Nm>TRANSPAYGO LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>ALDGATE TOWER 2 LEMAN STREET LONDON E1 8QN</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
- HMRC MLR Supervised Business Register—HM Revenue & Customs (HMRC) · register ↗ as at 24 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: fonmoney.com (official website) · original.
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