Curve UK Limited

Reference number: 900926

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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.

In the full report: 3 background checks

  • When curve.com first appeared online, and whether it can receive email
  • What kind of line 020 3322 2585 is, and the other firm that gives it
  • Who else gives the postcode W2 1QY
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Other names (5)

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

  • Curve Trading name
  • Lloyds Trading name
  • Curve 1 Limited Former name
  • Curve OS Former name
  • Curve OS Limited Former name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your 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, free
    You 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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
44
upheld, against a 31% median
33%
about banking and credit
44

A bigger firm gets more complaints simply because it has more customers. With this few, one case moves the upheld rate a lot.

Companies House record

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

Company number
09523903
Company status
Active
Company type
Private limited company
Incorporated
2 April 2015 (11 years old)
Registered office
1-10 Praed Mews, Tyburnia, London, W2 1QY, England
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name Role Born Appointed Other companies
Kim Eun-Soo Verhaaf Director Nov 1972 29 May 2026 2 other companies
Helen Elizabeth Bierton Director Sep 1974 29 May 2026 5 other companies
Graeme Duncan Secretary Not published 29 May 2026 –

Other companies run by these 2 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
5
still active
5
is FCA-registered
1

In the full report: all 5 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 2 companies these 2 directors run together
  • All 17 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2019Full accountsAudited

Employees (average)

124

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 09523903. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Curve UK’s history from the FCA register and Companies House, newest first.

Key events (10) All events (44)

2026

29 May 2026

  • Board replaced: its only director left and 2 new directors took over

Companies House

2022

13 April 2022

  • Curve Os Holding Limited took control (75–100% of shares)

Companies House

25 March 2022

  • Changed its registered name from "Curve OS Limited"

FCA register

2020

25 July 2020

  • Changed its registered name from "Curve 1 Limited"
  • Changed its registered name from "Curve OS"

FCA register

24 March 2020

  • Shachar Bialick gave up control

Companies House

2019

9 December 2019

  • Regulated by the FCA from this date
  • Became an authorised e-money institution

FCA register

2016

6 April 2016

  • Shachar Bialick took control (75–100% of shares)

Companies House

2015

2 April 2015

  • Incorporated at Companies House

Companies House

In the full report: all 44 events

  • All 44 events in its history (10 shown here)
  • Every director appointment and resignation: 32
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Firms connected to Curve UK

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Curve UK

Other firms of the same type (payment or money transfer firm), nearest first.

In the West London (W) postcode area

Rippling Payments UK LimitedLondonAuthorisedDlocal Opco UK LtdLondonAuthorisedThe Currency Cloud LimitedLondonAuthorisedTrustly UK LimitedLondonAuthorisedXtransfer UK LimitedLondonAuthorisedWallester UK LimitedLondonAuthorised

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 Curve UK

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

  • 5 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 44 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Curve UK Limited FCA authorised?
Yes, Curve UK Limited (FRN 900926) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2019 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Curve UK’s phone number and website?
The FCA register lists the phone number 020 3322 2585 and the website curve.com for Curve UK. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Curve UK a scam or clone?
Curve UK 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 Curve UK?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Curve UK to the Financial Ombudsman Service, free of charge.
Who owns Curve UK?
Curve UK is owned by Curve Os Holding Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 13 April 2022. Before that, it was controlled by Shachar Bialick.
Who runs Curve UK?
Companies House lists 2 directors of Curve UK: Kim Eun-Soo Verhaaf and Helen Elizabeth Bierton.
How long has Curve UK been in business?
The company was formed on 2 April 2015, and has held its current FCA authorisation since December 2019.
What do Curve UK’s latest accounts show?
How many complaints does Curve UK get?
In January–June 2025, the Financial Ombudsman Service received 44 new complaints about Curve UK, and upheld 33% of those it decided.
Does Curve UK use any other names?
It trades as Curve and Lloyds. It has previously used 3 other names: Curve 1 Limited, Curve OS and Curve OS Limited.

Sources and links

The full report on Curve UK Limited

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