Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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.
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No website on the FCA register
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No phone number on the FCA register
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Address
33 Cavendish Square, 2nd Floor, Suite 1b, London, W1G 0PW, United Kingdom
In the full report: 1 background check, 1 thing worth a closer look
- Whether W1G 0PW is a shared office: 50 other firms give it
Other names (2)
If you were contacted under any of these names, it is this firm.
- Payine Trading name: A name it trades under now.
- Get Moss Former trading name: A name it used to trade under.
FCA permissions and consumer protection
- Handle payments & transfers Funds safeguardedYour money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (7 permissions)
- a) Services enabling cash placement on a payment account
- b) Services enabling cash withdrawals from a payment account
- c) Execution of payment transactions (not covered by a credit line)
- d) Execution of payment transactions (covered by a credit line)
- e) Issuing payment instruments or acquiring payment transactions
- f) Money remittance
- h) Issuing Electronic Money
Limits on what they may do
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Restrictions on business activities
1. The Firm must not, without the prior written consent of the Authority, carry out any electronic money services for which it is authorised by the Authority pursuant to Part 2 of the EMRs or conduct any payment services as defined under regulation 2(1) of the Payment Services Regulation 2017 (“the PSRs”). For the avoidance of doubt this includes not to onboard any new customers and to accept any new relevant funds (as defined in regulation 23 of the PSRs) (“Relevant Funds”). 2. The Firm must return all Relevant Funds as soon as practicable and in any event by a date to be agreed with the Authority, except where funds are held to meet specific contractual obligations such as chargebacks.
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Notification requirements
3. The Firm must by 24 December 2025 notify, in writing, all customers of the imposition and effect of these Requirements in a form to be agreed in advance with the Authority. 4. By 4pm, on 19 December 2025, the Firm must display, in a prominent place on its website [https://payine.com] and all other communication channels or contact method, e.g. mobile applications, other digital channels, etc, a notice setting out the terms and effects of these Requirements in a form to be agreed in advance with the Authority. This will include a link to the relevant website entry in the Authority’s register relating to the Firm where the terms of the Requirements will appear. The font and size to also be agreed with the Authority in advance. 5. The Firm must provide written confirmation to the Authority that it is in compliance with these Requirements by 4pm, on 19 December 2025.
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Retention of records
6. The Firm must secure and preserve all records and/or information (physical or electronic) relating to electronic money services from its systems in their original form, or in a copy proved to be identical to the source material. These must be retained in a form and at a location within the United Kingdom, to be notified to the Authority in writing by 4pm, on 19 December 2025 such that they can be provided to the Authority, or to a person named by the Authority, promptly on its request.
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
- 12600349 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 13 May 2020 (6 years old)
- Registered office
- 33 Cavendish Square, 2nd Floor, Suite 1b, London, W1G 0PW, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Paul Jonathan De Francisci | Director | Jul 1975 | 2 Jul 2020 | 10 other companies |
| Guy David Baruch | Director | Aug 1969 | 1 Feb 2024 | None |
| Simon Carse | Director | May 1956 | 1 Feb 2024 | 8 other companies |
Other companies run by these 3 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
- 18
- closed down
- 8
- is FCA-registered
- 1
In the full report: all 18 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The one on the FCA register, including one no longer authorised
- All 5 people who have ever been directors, with their dates
Key dates in its history
BeAccount’s history from the FCA register and Companies House, newest first.
2025
17 December 2025
- FCA imposed a requirement (Notification requirements)
- FCA imposed a requirement (Restrictions on business activities)
- FCA imposed a requirement (Retention of records)
FCA register
20 March 2025
- Fios Holding Ltd gave up control
- Fios Holding Ltd took control (75–100% of shares)
- Georgios Chimonides gave up control
- Tzaci Moshe took control (75–100% of shares)
Companies House
2021
18 July 2021
- Regulated by the FCA from this date
- Became an authorised e-money institution
FCA register
2020
13 May 2020
- Incorporated at Companies House
- Georgios Chimonides took control (75–100% of shares)
Companies House
In the full report: all 21 events
- All 21 events in its history (11 shown here)
- Every director appointment and resignation: 7
Firms connected to BeAccount
Other FCA-listed firms that share a director, phone number or address with BeAccount. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1)
- Who links it to this firm: the named directors, with dates
Firms like BeAccount
Other firms of the same type (payment or money transfer firm), nearest first.
In London
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on BeAccount
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 18 other companies its directors have run, named
- 1 background check on its contact details, 1 flagged
- All 21 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- How safeguarding works fca.org.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk