Pay Wink Limited

Reference number: 727354

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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 paywink.com first appeared online, and whether it can receive email
  • What kind of line 029 2050 4830 is
  • Whether EC2Y 9DT is a shared office: 23 other firms give it
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Other names (2)

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

  • Al Fardan Exchange Limited Former name
  • AFEXREMIT Former trading 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
09850042
Company status
Active
Company type
Private limited company
Incorporated
30 October 2015 (10 years old)
Registered office
1 Fore Street Avenue, London, EC2Y 9DT, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Comeil Syed Syed Amir Abbas Director Sep 1974 9 Aug 2024 2 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
2
still active
2
are FCA-registered
2

In the full report: all 2 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register, including 2 no longer authorised
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 May 2025Small company accountsNot audited

Total equity

£12.2k

Up £20.2k from −£8,005

Cash at bank

£14.9k

+104% from £7,313

Employees (average)

2

+100% from 1

Owed within a year

£17.3k

−37% from £27.6k

Assets and liabilities

In the full report: all 7 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 09850042. 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

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

Key events (15) All events (28)

2025

29 October 2025

  • Inbalo D.D took control (75–100% of shares)
  • Sol 8, Upravljanje Podjetij, D.D. gave up control

Companies House

2020

1 September 2020

  • Board replaced: all 3 directors left and 2 new directors took over
  • Hasan Ibraheem Hasan Alfardan gave up control
  • Mohamed Hasan Ibrahim Hasan Al Fardan no longer has significant control
  • Osama Hamza Ali Alrahma no longer has significant control
  • Sol 8, Upravljanje Podjetij, D.D. took control (75–100% of shares)

Companies House

17 June 2020

  • Changed its registered name from "Al Fardan Exchange Limited"

FCA register

2018

6 July 2018

  • Registered as a small payment institution

FCA register

2016

6 April 2016

  • Hasan Ibraheem Hasan Alfardan took control (75–100% of shares)
  • Mohamed Hasan Ibrahim Hasan Al Fardan gained significant control
  • Osama Hamza Ali Alrahma gained significant control

Companies House

18 March 2016

  • Regulated by the FCA from this date

FCA register

2 March 2016

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

FCA register

2015

30 October 2015

  • Incorporated at Companies House

Companies House

In the full report: all 28 events

  • All 28 events in its history (15 shown here)
  • Every director appointment and resignation: 11
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Firms connected to Pay Wink

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

past links
2

In the full report: all 0 connected firms, named

  • 2 past links through former directors
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Firms like Pay Wink

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 Pay Wink

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

  • 2 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 28 events in its history

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Frequently asked questions about this firm

Is Pay Wink Limited FCA authorised?
Yes, Pay Wink Limited (FRN 727354) is registered with the FCA and permitted to provide its regulated services.
What is Pay Wink’s phone number and website?
The FCA register lists the phone number 029 2050 4830 and the website paywink.com for Pay Wink. If you were given different contact details, use these to check with the firm before going any further.
Is Pay Wink a scam or clone?
Pay Wink 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 Pay Wink?
Protection depends on which product you hold and how Pay Wink handles your money, so check the specific product before you commit. You can also refer complaints about Pay Wink to the Financial Ombudsman Service, free of charge.
Who owns Pay Wink?
Pay Wink is owned by Inbalo D.D, which holds 75–100% of shares, since 29 October 2025. Before that, it was controlled by Sol 8, Upravljanje Podjetij, D.D., Mr Hasan Ibraheem Hasan Alfardan and Mr Osama Hamza Ali Alrahma.
Who runs Pay Wink?
Companies House lists one director of Pay Wink: Comeil Syed Syed Amir Abbas.
How long has Pay Wink been in business?
The company was formed on 30 October 2015, and has held its current FCA authorisation since July 2018.
What do Pay Wink’s latest accounts show?
Its latest accounts, to 31 May 2025, show total equity of £12.2k (up £20.2k from −£8,005) and cash at bank of £14.9k (+104% from £7,313).
Does Pay Wink use any other names?
It has previously used 2 other names: Al Fardan Exchange Limited and AFEXREMIT.

Sources and links

The full report on Pay Wink Limited

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