Rippling Payments UK Limited: FCA regulated?

Authorised by the FCA

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

Authorised for 1 year
Your funds are safeguarded
No FCA actions
Active company since 2022

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.

Website

rippling.com (opens in a new tab)
No phone number on the FCA register
Address

33 Charlotte Street, 2nd Floor, London, W1T 1RR, United Kingdom

In the full report: 2 background checks

When rippling.com first appeared online, and whether it can receive email
Who else gives the postcode W1T 1RR

Other names (1)

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

Rippling Trading name: A name it trades under now.

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

Limits on what they may do

Agents and distributors

The firm will not onboard any agents or use any distributors.
Director or person responsible for management at the firm

In the event that any director or person responsible for management (EMD individual) ceases to perform managerial functions at the firm, the firm must cease within 90 days – a) the registering and onboarding of new users; and b) the provision of payment services and/or issuance of e-money to any new customers or existing users, until the relevant EMD individual notification(s) has been processed by the FCA.
Institution to refrain from AIS or PIS for an indefinite period

Must comply with the requirements in regulation 78A(2)(b)of the Electronic Money Regulations 2011 to refrain from providing account information services or payment initiation services for an indefinite period

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: 14266540 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 1 August 2022 (4 years old)
Registered office: 5 New Street Square, London, EC4A 3TW, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Vanessa Cheng-Ling Wu	Director	Jun 1984	1 Aug 2022	None
Kevin Vere Ludwick	Director	Jan 1964	30 Jul 2024	2 other companies
Louise Marie Smith	Director	Jun 1972	30 Jul 2024	7 other companies
Bridget Nicole Abraham	Director	Dec 1977	30 Jul 2024	None
Ross Stephen Osborne	Director	Sep 1984	29 Dec 2025	2 other companies
WINSTON TAYLOR SECRETARIES LIMITED	Corporate secretary	Not published	1 Aug 2022	–

Other companies run by these 5 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: 11
closed down: 2
are FCA-registered: 5

In the full report: all 11 companies, named

What each company does, and whether it is still trading
Which of these 5 directors sit on each board, and since when
Any that went into liquidation or administration
The 5 on the FCA register, including one no longer authorised
All 8 people who have ever been directors, with their dates

Key dates in its history

Rippling Payments UK’s history from the FCA register and Companies House, newest first.

Key events (7) All events (19)

2025

13 August 2025

Regulated by the FCA from this date
FCA imposed a requirement (Agents and distributors)
FCA imposed a requirement (Director or person responsible for management at the firm)
FCA imposed a requirement (Institution to refrain from AIS or PIS for an indefinite period)
Became an authorised e-money institution

FCA register

2023

27 May 2023

Parker Conrad took control (75–100% of shares)

Companies House

2022

1 August 2022

Incorporated at Companies House

Companies House

In the full report: all 19 events

All 19 events in its history (7 shown here)
Every director appointment and resignation: 11

Firms connected to Rippling Payments UK

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

connected firms: 5
share a director: 4
share its postcode: 1

In the full report: all 5 connected firms, named

How each is linked: shared directors (4), the same postcode (1)
Who links each one: the named directors, with dates
1 past link through former directors

Firms like Rippling Payments UK

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 Rippling Payments UK

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

11 other companies its directors have run, named
2 background checks on its contact details
All 19 events in its history
5 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Rippling Payments UK Limited FCA authorised?

Yes, Rippling Payments UK Limited (FRN 1018518) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2025 and works as a payment or money transfer firm. The FCA has placed 3 limits on what it may do.

What is Rippling Payments UK’s website?

The FCA register lists the website rippling.com for Rippling Payments UK. If you were given different contact details, use these to check with the firm before going any further.

Is Rippling Payments UK a scam or clone?

Rippling Payments 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 Rippling Payments UK?

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 Rippling Payments UK to the Financial Ombudsman Service, free of charge.

Who owns Rippling Payments UK?

Companies House lists one person with significant control of Rippling Payments UK: Parker Conrad (75–100% of shares).

Who runs Rippling Payments UK?

Companies House lists 5 directors of Rippling Payments UK: Vanessa Cheng-Ling Wu, Kevin Vere Ludwick, Louise Marie Smith, Bridget Nicole Abraham and Ross Stephen Osborne.

How long has Rippling Payments UK been in business?

The company was formed on 1 August 2022, and has held its current FCA authorisation since August 2025.

Does Rippling Payments UK use any other names?

It trades as Rippling.