Monavate Ltd

Reference number: 901097

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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.

In the full report: 3 background checks

  • When monavate.com first appeared online, and whether it can receive email
  • What kind of line 01223 626580 is
  • Who else gives the postcode CB22 4QH
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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 (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

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 status
Active
Company type
Private limited company
Incorporated
19 February 2020 (6 years old)
Registered office
The Officers Mess Business Centre, Royston Road, Duxford, Cambridge, CB22 4QH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Scott Paul Lucas Director Jan 1977 5 Nov 2020 1 other company
Michael Daniel Rolph Director Apr 1981 17 Jan 2022 5 other companies

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
closed down
1
run together
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 1 company these 2 directors run together
  • All 12 people who have ever been directors, with their dates
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Key dates in its history

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

2026

30 April 2026

  • Garth Ben Howat gave up control

Companies House

31 January 2026

  • Garth Ben Howat took control (75–100% of shares)

Companies House

2020

4 November 2020

  • Became an authorised e-money institution

FCA register

29 July 2020

  • Leeandra Jane Vaile gave up control
  • Monavate Holdings Limited took control (75–100% of shares)

Companies House

16 April 2020

  • Regulated by the FCA from this date

FCA register

19 February 2020

  • Incorporated at Companies House
  • Leeandra Jane Vaile took control (75–100% of shares)

Companies House

In the full report: all 26 events

  • All 26 events in its history (8 shown here)
  • Every director appointment and resignation: 18
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Firms connected to Monavate

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

connected firms
5
no longer authorised
1
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Monavate

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

In Cambridge

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 Monavate

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 26 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Monavate Ltd FCA authorised?
Yes, Monavate Ltd (FRN 901097) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2020 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.
What is Monavate’s phone number and website?
The FCA register lists the phone number 01223 626580 and the website monavate.com for Monavate. If you were given different contact details, use these to check with the firm before going any further.
Is Monavate a scam or clone?
Monavate 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 Monavate?
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 Monavate to the Financial Ombudsman Service, free of charge.
Who owns Monavate?
Monavate is owned by Monavate Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 29 July 2020. Before that, it was controlled by Mr Garth Ben Howat and Ms Leeandra Jane Vaile.
Who runs Monavate?
Companies House lists 2 directors of Monavate: Scott Paul Lucas and Michael Daniel Rolph.
How long has Monavate been in business?
The company was formed on 19 February 2020, and has held its current FCA authorisation since November 2020.

Sources and links

The full report on Monavate Ltd

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