United Kingdom · Payments & e-money
Worldremit LTD
Legal name in the LEI recordWORLDREMIT LTD.
WorldRemit Ltd is a private limited company registered in England and Wales and based in London. The Financial Conduct Authority (FCA) authorises it as an electronic money institution, reference 900891. WorldRemit Holding Limited holds 75% or more of its shares, and the firm belongs to the group that trades as Zepz. It provides international money transfers and airtime top-ups to consumers in the United Kingdom, Gibraltar and Switzerland under the WorldRemit and Sendwave brands.
Licences and registrations
Held by Worldremit Ltd. (LEI 213800BO4SXT9R8PHV43). 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 - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900891 | United Kingdom | Active | 2018-10-19 | — |
|
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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 | 516616 | United Kingdom | Cancelled - Small PI | — | Ended 2012-06-13 |
|
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| FCA Financial Services Register - Payment Institutions & RAISPsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised Payment InstitutionPayment Institution | 574642 | United Kingdom | Cancelled - Authorised PI | — | Ended 2018-10-19 |
|
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Trading names on the register: Zepz (FCA-EMI, FCA-PSD), SendWave (FCA-EMI, FCA-PSD)
- 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
- WRMTGB2LXXX 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 WRMTGB2L 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
- 2016-04-09
- Last updated
- 2026-03-03
Overview
Researched 29 Sep 2026 · Sources
Customers
Not published
Employees
Not published
Ownership
Group subsidiary
WorldRemit Holding Limited
Firm type
Money remittance
Trades as WorldRemit
- Ownership
- WorldRemit Holding Limited (Companies House 12279501) holds 75% or more of the firm's shares, and the firm belongs to the group trading as Zepz, whose investors include Accel, TCV, LeapFrog Investments, HSBC, Coller Capital and the International Finance Corporation.
- Direct parent
- WorldRemit Holding Limited, United Kingdom
- Head office
- 167-169 Great Portland Street, 5th Floor, W1W 5PF London, United Kingdom
- Company register
- Companies House 07110878
- Incorporated
- 22 Dec 2009
- Founders
- Ismail Ahmed · Catherine Wines · Richard Igoe
- Former name
- CLEAN REMITTANCES LTD
Online
- Websites & references
- worldremit.com ↗
zepz.io ↗ website of the Zepz group, which owns the WorldRemit and Sendwave brands
Wikidata Q22909828 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
- Apps
- App Store ↗ · Google Play ↗
Sources · 12 pages consulted
- find-and-update.company-information.service.gov.uk/company/07110878
- find-and-update.company-information.service.gov.uk/company/07110878/officers
- find-and-update.company-information.service.gov.uk/company/07110878/persons-with-significant-control
- worldremit.com/
- worldremit.com/en-gb/about-us/terms-and-conditions
- assets.ctfassets.net/sb7j5o4oxtgv/1TtMPngIKnKGzyTSjX8HZu/3f47e7c5f0fd25b6334d07ab8db6e51e/260426_ZepzTermsUK.p
- worldremit.com/en/about-us/keeping-your-money-safe
- worldremit.com/en/about-us
- worldremit.com/en/about-us/financial-statement
- zepz.io/press/zepz-appoints-barrie-morris-as-interim-ceo-as-mark-lenhard-steps-down/
- zepz.io/
- eu-startups.com/2025/04/zepz-secures-e152-million-financing-to-enhance-global-remittances-across-worldrem
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution, reference 900891. The firm states that it is authorised under the Payment Services Regulations 2017 and the Electronic Money Regulations 2011.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised E-Money Institution | 900891 | In its own name | Active | worldremit.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 accountsThe firm states that customer money it holds before payout is kept in a separate account that holds only customers' money. It also states that this money is not protected by the Financial Services Compensation Scheme (FSCS).
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
Customers can send money for payout to bank accounts, mobile money wallets or cash pickup points, or can top up mobile airtime, in more than 130 destination countries. According to the WorldRemit website, the main destinations include Nigeria, the Philippines, India, Zimbabwe, Ghana and Kenya.
Under its UK terms, the firm contracts with WorldRemit and Sendwave customers who live in the United Kingdom, Gibraltar, Switzerland and other applicable jurisdictions. Other group entities serve customers in other countries.
- Payment volume
- USD 17bnmoney transferred for customers across the WorldRemit and Sendwave brands (the group says 'more than' this amount)
- Sells to
- Consumers
- Serves customers in 3 countries
- United Kingdom · Gibraltar · Switzerland
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Jonathan Barrie Morris Director. Interim Chief Executive Officer of the Zepz group since March 2026, previously Chief Financial Officer
- Chair
- Melissa Birge Chair of the Zepz Board of Directors (group level)
- Executive
- Justine Dinter Director. Leads global people strategy at Zepz
- Executive
- Philip Charles Doyle Director
- Executive
- Conor Patrick William Molloy Director
- Executive
- Tristan van der Vijver Director
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The firm appointed Conor Molloy and Tristan van der Vijver as directors, on 10 August and 24 August 2026 respectively.
find-and-update.company-information.service.gov.uk ↗ -
Leadership
Zepz announced that Chief Executive Mark Lenhard would step down. It appointed Chief Financial Officer Barrie Morris as Interim Chief Executive.
zepz.io ↗ -
Other
Zepz obtained EUR 152 million in revolving and term debt facilities led by HSBC Innovation Banking, replacing an earlier EUR 74 million facility.
eu-startups.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
- WRMTGB2LXXX
- How the BIC breaks down
- WRMTBank
- GBCountry · United Kingdom
- 2LLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 213800BO4SXT9R8PHV43
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900891
- Licence no. · FCA-PSD
- 516616
- Licence no. · FCA-PSD
- 574642
- 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
- 29bb4bc9d93b
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
- 3 entries on 2 registers
- 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
- Founded
- 2010
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
The Worldremit Ltd. group has 3 institutions in the directory, in 3 countries: 1 holds a BIC and 2 do not.
Including WorldRemit Belgium, Worldremit PTY LTD.
See the Worldremit Ltd. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- 5/ F, 167-169 GREAT PORTLAND ST LONDON W1W 5PF UNITED KINGDOM
- Operational address
- 167-169 GREAT PORTLAND STREET FLOOR 5 LONDON LONDON W1W 5PF 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>WRMTGB2LXXX</BICFI>
<LEI>213800BO4SXT9R8PHV43</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>WRMTGB2LXXX</BICFI>
<LEI>213800BO4SXT9R8PHV43</LEI>
<Nm>WORLDREMIT LTD</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>5/ F, 167-169 GREAT PORTLAND ST LONDON W1W 5PF</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
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- FCA Financial Services Register - Payment Institutions & RAISPs—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- 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: WorldRemit · Public domain · Wikimedia Commons · original.
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