Apple Payments Services Limited

Reference number: 795791

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Registered with the FCA

This firm is registered to provide account information services. With your permission it can read your account data, but it cannot hold or move your money.

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When apple.com first appeared online, and whether it can receive email
  • What kind of line 0800 107 6285 is
  • Who else gives the postcode SW11 8BZ
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Credit Kudos Trading name
  • Credit Kudos Limited Former name

FCA permissions and consumer protection

  • Account information No FSCS cover
    This firm does not hold or move your money, it only reads your account data with your permission. There are no customer funds to safeguard and FSCS protection does not arise. You can still complain about how it handled your data.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09873335
Company status
Active
Company type
Private limited company
Incorporated
16 November 2015 (10 years old)
Registered office
280 Bishopsgate, London, EC2M 4AG
Nature of business
  • Business and domestic software development (SIC 62012)

Directors and company secretaries

Name Role Born Appointed Other companies
Eamonn Clancy Director Jun 1977 24 Jan 2023 None
Jamie Wonji Wong Director May 1982 1 Dec 2024 9 other companies
Duncan Michael Eric Olby Director Jun 1972 27 Mar 2026 1 other company
Alia Azmi Director Nov 1984 30 Jun 2026 5 other companies
ABOGADO NOMINEES LIMITED Corporate secretary Not published 21 Mar 2022 –

Other companies run by these 4 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
10
closed down
3
is FCA-registered
1

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 5 companies these 4 directors run together
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2019Full accountsNot audited

Net assets

£610k

No earlier figure to compare

Cash at bank

£445k

No earlier figure to compare

Owed within a year

£53.0k

No earlier figure to compare

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 09873335. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Apple Payments Services’s history from the FCA register and Companies House, newest first.

Key events (9) All events (28)

2023

26 July 2023

  • Changed its registered name from "Credit Kudos Limited"

FCA register

2022

21 March 2022

  • Apple Inc. took control (75–100% of shares)

Companies House

2020

30 March 2020

  • Frederick William Kelly stopped being a part-owner
  • Matthew Joseph Schofield stopped being a part-owner

Companies House

2018

2 February 2018

  • Regulated by the FCA from this date
  • Status on the FCA register became "Registered Account Information Service Provider"

FCA register

2016

6 April 2016

  • Frederick William Kelly became a part-owner (25–50% of shares)
  • Matthew Joseph Schofield became a part-owner (25–50% of shares)

Companies House

2015

16 November 2015

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (9 shown here)
  • Every director appointment and resignation: 18
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Firms connected to Apple Payments Services

Other FCA-listed firms that share a director, phone number or address with Apple Payments Services. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on Apple Payments Services

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 10 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 28 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Apple Payments Services Limited FCA authorised?
Yes, Apple Payments Services Limited (FRN 795791) is registered with the FCA and permitted to provide its regulated services.
What is Apple Payments Services’ phone number and website?
The FCA register lists the phone number 0800 107 6285 and the website apple.com/uk/legal/applepaymentsservices for Apple Payments Services. If you were given different contact details, use these to check with the firm before going any further.
Is Apple Payments Services a scam or clone?
Apple Payments Services is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Apple Payments Services?
Protection depends on which product you hold and how Apple Payments Services handles your money, so check the specific product before you commit. You can also refer complaints about Apple Payments Services to the Financial Ombudsman Service, free of charge.
Who owns Apple Payments Services?
Apple Payments Services is owned by Apple Inc., which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 21 March 2022. Before that, it was controlled by Mr Frederick William Kelly and Mr Matthew Joseph Schofield.
Who runs Apple Payments Services?
Companies House lists 4 directors of Apple Payments Services: Eamonn Clancy, Jamie Wonji Wong, Duncan Michael Eric Olby and Alia Azmi.
How long has Apple Payments Services been in business?
The company was formed on 16 November 2015, and has held its current FCA authorisation since February 2018.
What do Apple Payments Services’ latest accounts show?
Its latest accounts, to 31 December 2019, show net assets of £610k (no earlier figure to compare) and cash at bank of £445k (no earlier figure to compare).
Does Apple Payments Services use any other names?
It trades as Credit Kudos. It has previously used the name Credit Kudos Limited.

Sources and links

The full report on Apple Payments Services Limited

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