NIUM Payments UK Limited
Reference number: 900800
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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.
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Website
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No phone number on the FCA register
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Address
Ground Floor, 52-54 Gracechurch Street, London, EC3V 0EH, United Kingdom
In the full report: 2 background checks
- When nium.com first appeared online, and whether it can receive email
- Who else gives the postcode EC3V 0EH
Other names (3)
If you were contacted under any of these names, it is this firm.
- Entropay Trading name: A name it trades under now.
- Entropay Limited Former name: A name it was registered under before.
- Onvoy Former trading name: A name it used to trade under.
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 (8 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
- g) Execution of payment transactions via telecoms, IT system or network operator
- 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
- 04072405 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 15 September 2000 (26 years old)
- Registered office
- Ground Floor, 52-54 Gracechurch Street, London, EC3V 0EH, United Kingdom
- Nature of business
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- Business and domestic software development (SIC 62012)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Mark Anthony Spiteri | Director | Dec 1982 | 4 Jul 2017 | 5 other companies |
| Spencer James Douglas Hanlon | Director | Aug 1972 | 31 Aug 2021 | 6 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
- 6
- closed down
- 3
- is FCA-registered
- 1
In the full report: all 6 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, including one no longer authorised
- The 5 companies these 2 directors run together
- All 30 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
−£351k
Not compared: the previous accounts cover a different length of time
Total equity
£16.1m
−2.1% from £16.5m
Cash at bank
£22.7m
+8.3% from £21.0m
Employees (average)
0
Same as 0
The accounts for the year to 31 December 2025 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £1.37m, for the year to 31 December 2020.
* Cash at bank usually includes customers’ money.
Total equity
In the full report: all 5 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 04072405. 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
NIUM Payments UK’s history from the FCA register and Companies House, newest first.
2026
4 February 2026
- Changed its registered name from "Entropay Limited"
FCA register
2018
23 March 2018
- Became an authorised e-money institution
FCA register
2017
12 October 2017
- Regulated by the FCA from this date
FCA register
23 May 2017
- Alex George Mifsud no longer has significant control
- Foresight Vct PLC no longer has significant control
- Nium UK Holdings Limited took control (75–100% of shares)
- Richard John Koch stopped being the majority owner
Companies House
2016
30 June 2016
- Alex George Mifsud gained significant control
- Foresight Vct PLC gained significant control
- Richard John Koch became the majority owner (50–75% of shares)
Companies House
2000
15 September 2000
- Incorporated at Companies House
Companies House
In the full report: all 74 events
- All 74 events in its history (11 shown here)
- Every director appointment and resignation: 60
Firms connected to NIUM Payments UK
Other FCA-listed firms that share a director, phone number or address with NIUM Payments 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 postcode
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like NIUM Payments UK
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 NIUM Payments UK
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 6 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 74 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.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