Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
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.
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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
Level 2, 4 Pentonville Road, London, N1 9HF, United Kingdom
In the full report: 1 background check
- Who else gives the postcode N1 9HF
Other names (3)
If you were contacted under any of these names, it is this firm.
- Bondsmith Trading name: A name it trades under now.
- The Deposit Service Trading name: A name it trades under now.
- Savings Aide Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.
Fake phone numbers (1)
- 020 8073 0879
Fake email addresses (3)
- colin.thompson@bondsmith.uk
- contact@bondsmith.uk
- support@bondsmiths.co.uk
Fake websites (3)
- bondsmith.uk
- bondsmiths.co.uk
- savings.bondsmith.uk
The 2 FCA warnings these came from
- bondsmith.uk / savings.bondsmith.uk 20 August 2026
- bondsmith.uk / savings.bondsmith.uk / bondsmiths.co.uk 20 August 2026
Scammers change these details often. Always check the live FCA warning.
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 (9 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
- i) Payment initiation services
- j) Account information services
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.
The clone warnings above are scammers using this firm's name, not something the firm has done.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- 13223331 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 24 February 2021 (5 years old)
- Registered office
- Level 2, 4 Pentonville Road, Angel, London, N1 9HF, England
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Michael Patrick Doyle | Director | Aug 1990 | 24 Feb 2021 | 3 other companies |
| Stuart William Louden | Director | Jul 1971 | 1 Jan 2023 | 7 other companies |
| Muhammad Faqihuddin Bin Mustaffa | Director | Jul 1990 | 14 Mar 2025 | 30 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
- 38
- closed down
- 8
- went insolvent
- 1
In the full report: all 38 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- The one that went into liquidation or administration
- The 3 on the FCA register
- The 1 company these 3 directors run together
- All 4 people who have ever been directors, with their dates
Filed accounts and finances
Total equity
£1.59m
No earlier figure to compare
Cash at bank
£398k
No earlier figure to compare
Employees (average)
9
No earlier figure to compare
Owed within a year
£92.5k
No earlier figure to compare
* Cash at bank usually includes customers’ money.
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.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company 13223331. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Bondsmith Savings’s history from the FCA register and Companies House, newest first.
2026
20 August 2026
- FCA warned the public about a scam impersonating this firm
FCA warning list
2025
31 July 2025
- Bondsmith Group Ltd took control (75–100% of shares)
- Michael Patrick Doyle gave up control
Companies House
2022
16 June 2022
- Regulated by the FCA from this date
- Became an authorised e-money institution
FCA register
2021
22 July 2021
- Michael Patrick Doyle took control (75–100% of shares)
Companies House
24 February 2021
- Incorporated at Companies House
Companies House
In the full report: all 20 events
- All 20 events in its history (7 shown here)
- Every director appointment and resignation: 9
Firms connected to Bondsmith Savings
Other FCA-listed firms that share a director, phone number or address with Bondsmith Savings. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- past links
- 2
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
- 2 past links through former directors
Firms like Bondsmith Savings
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 Bondsmith Savings
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 38 other companies its directors have run, named
- 1 background check on its contact details
- All 20 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Bondsmith Savings Ltd FCA authorised?
Is Bondsmith Savings a scam or clone?
Is my money safe with Bondsmith Savings?
Who owns Bondsmith Savings?
Who runs Bondsmith Savings?
How long has Bondsmith Savings been in business?
What do Bondsmith Savings’ latest accounts show?
Does Bondsmith Savings use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- FCA warning: bondsmith.uk / savings.bondsmith.uk fca.org.uk
- FCA warning: bondsmith.uk / savings.bondsmith.uk / bondsmiths.co.uk fca.org.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