KogoPay (UK) Limited

Reference number: 616300

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Registered with the FCA

This firm is registered as a small payment institution. That is a lighter regime than full FCA authorisation, applied to smaller payment firms, and safeguarding of customer money is optional at this size.

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, 1 thing worth a closer look

  • When kogopay.com first appeared online, and whether it can receive email
  • What kind of line 07985 618228 is
  • Who else gives the postcode N11 1NP
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Other names (4)

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

  • KogoPay Trading name
  • Smile Finance Trading name
  • Smile Finance Limited Former name
  • Super Rich (UK) Limited Former name

FCA permissions and consumer protection

  • Handle payments & transfers No FSCS cover
    Safeguarding is optional for a payment firm of this size, so your money may not be held in a separate protected account. Ask the firm whether it safeguards customer funds before sending it money. FSCS protection does not apply either way.
  • 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 (1 permission)
  • 6. Money remittance.

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
08439416
Company status
Active
Company type
Private limited company
Incorporated
11 March 2013 (13 years old)
Registered office
Zrs - Building 3, Oakleigh Road South, London, N11 1NP, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Narisa Chauvidul-Aw (Dr) Director May 1967 11 Mar 2013 10 other companies

Other companies run by its director

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
5
went insolvent
1

In the full report: all 10 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • The one that went into liquidation or administration
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£80.7k

No earlier figure to compare

Cash at bank

£10.6k

No earlier figure to compare

Employees (average)

0

Same as 0

Owed within a year

£91.3k

+6.3% from £85.9k

Net assets are negative: on its last balance sheet the company owed £80.7k more than it owned.

In the full report: all 6 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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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 08439416. 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

KogoPay (UK)’s history from the FCA register and Companies House, newest first.

Key events (7) All events (14)

2019

8 March 2019

  • Changed its registered name from "Smile Finance Limited"

FCA register

2018

23 May 2018

  • Registered as a small payment institution

FCA register

2017

3 April 2017

  • Changed its registered name from "Super Rich (UK) Limited"

FCA register

2016

6 April 2016

  • Narisa Chauvidul-Aw became a part-owner (25–50% of shares)

Companies House

2014

1 October 2014

  • Regulated by the FCA from this date

FCA register

13 April 2014

  • Supervised by HMRC under the money laundering rules from this date

FCA register

2013

11 March 2013

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (7 shown here)
  • Every director appointment and resignation: 5
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Firms like KogoPay (UK)

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

In London

StoneX Financial LtdLondonAuthorisedReal Transfer LimitedLondonAuthorisedOnafriq UK LimitedLondonAuthorisedDaytona Capital Management LimitedLondonAuthorisedSable International FX LimitedLondonAuthorisedTrolley Payments UK LtdLondonAuthorised

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 KogoPay (UK)

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, 1 flagged
  • 6 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is KogoPay (UK) Limited FCA authorised?
Yes, KogoPay (UK) Limited (FRN 616300) is registered with the FCA and permitted to provide its regulated services.
What is KogoPay (UK)’s phone number and website?
The FCA register lists the phone number 07985 618228 and the website kogopay.com for KogoPay (UK). If you were given different contact details, use these to check with the firm before going any further.
Is KogoPay (UK) a scam or clone?
KogoPay (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 KogoPay (UK)?
Protection depends on which product you hold and how KogoPay (UK) handles your money, so check the specific product before you commit. You can also refer complaints about KogoPay (UK) to the Financial Ombudsman Service, free of charge.
Who owns KogoPay (UK)?
Companies House lists one person with significant control of KogoPay (UK): Dr Narisa Chauvidul-Aw (25–50% of shares).
Who runs KogoPay (UK)?
Companies House lists one director of KogoPay (UK): Narisa Chauvidul-Aw (Dr).
How long has KogoPay (UK) been in business?
The company was formed on 11 March 2013, and has held its current FCA authorisation since May 2018.
What do KogoPay (UK)’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£80.7k (no earlier figure to compare) and cash at bank of £10.6k (no earlier figure to compare).
Does KogoPay (UK) use any other names?
It trades as KogoPay and Smile Finance. It has previously used 2 other names: Smile Finance Limited and Super Rich (UK) Limited.

Sources and links

The full report on KogoPay (UK) Limited

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