Montify Ltd: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 6 years
Your funds are safeguarded
No FCA actions
Active company since 2019
Accounts filed up to 31 December 2025
On its latest accounts it owed £451k more than it owned

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.

No website on the FCA register
Phone number

+372 5805 0632
Address

NEW LONDON HOUSE, 6, LONDON STREET, LONDON, EC3R 7LP, England

In the full report: 2 background checks

What kind of line +372 5805 0632 is
Who else gives the postcode EC3R 7LP

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 number: 12230765 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 September 2019 (7 years old)
Registered office: New London House, 6 London Street, London, EC3R 7LP, England
Nature of business: Other information service activities not elsewhere classified (SIC 63990)
Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nikolai Timofejev	Director	Sep 1987	27 Sep 2019	None

In the full report: every company its directors have run

Confirmation that its director runs no other company
All 5 people who have been directors, with their dates

Filed accounts and finances

Year to 31 December 2025Full accountsAudited

Profit before tax

−£202k

Down £91.5k from −£110k

Net assets

−£451k

Down £202k from −£249k

Cash at bank

£2.19m

+15% from £1.90m

Owed within a year

£2.26m

+17% from £1.94m

Net assets are negative: on its last balance sheet the company owed £451k more than it owned.

* Cash at bank usually includes customers’ money.

Profit before tax

In the full report: all 6 years of accounts

Every year from 2020 to 2025
Both charts, over every year
Every filed figure, year by year

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 12230765. 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

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

Key events (5) All events (14)

2026

19 October 2026

Denis John O'Brien took control (75–100% of shares)

Companies House

2020

4 August 2020

Became an authorised e-money institution

FCA register

2019

18 December 2019

Regulated by the FCA from this date

FCA register

27 September 2019

Incorporated at Companies House
Nikolai Timofejev took control (75–100% of shares)

Companies House

In the full report: all 14 events

All 14 events in its history (5 shown here)
Every director appointment and resignation: 9

Firms connected to Montify

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

connected firms: 4
share its postcode: 4

In the full report: all 4 connected firms, named

How each is linked: the same postcode (4)
Who links each one: the named directors, with dates

Firms like Montify

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

In London

Uber Payments UK LimitedLondonAuthorised Wise Payments LimitedLondonAuthorised Forisgfs UK LimitedLondonAuthorised Wepay Payments Ltd.LondonAuthorised Airbnb Payments UK LimitedLondonAuthorised Mollie UK Ltd.LondonAuthorised

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 Montify

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

Every company its directors have run, named
2 background checks on its contact details
6 years of accounts, charted
All 14 events in its history
4 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Montify Ltd FCA authorised?

Yes, Montify Ltd (FRN 901069) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2020 and works as a payment or money transfer firm. The FCA has placed no limits on its permissions.

What is Montify’s phone number?

The FCA register lists the phone number +372 5805 0632 for Montify. If you were given different contact details, use these to check with the firm before going any further.

Is Montify a scam or clone?

Montify 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 Montify?

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 Montify to the Financial Ombudsman Service, free of charge.

Who owns Montify?

Companies House lists 2 people with significant control of Montify: Mr Nikolai Timofejev (75–100% of shares) and Mr Denis John O'Brien (75–100% of shares).

Who runs Montify?

Companies House lists one director of Montify: Nikolai Timofejev.

How long has Montify been in business?

The company was formed on 27 September 2019, and has held its current FCA authorisation since August 2020.

What do Montify’s latest accounts show?

Its latest accounts, to 31 December 2025, show profit before tax of −£202k (down £91.5k from −£110k) and net assets of −£451k (down £202k from −£249k).