Smart Money Cymru Credit Union Limited

Reference number: 213370

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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 smartmoneycymru.co.uk first appeared online, and whether it can receive email
  • What kind of line 029 2088 3751 is
  • Who else gives the postcode CF83 1JQ
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Other names (5)

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

  • Smart Goods Trading name
  • Smart Money Cymru Community Bank Trading name
  • Caerphilly & District Credit Union Limited Former name
  • Penyrheol & Trecenydd Credit Union Limited Former name
  • Smart Money Credit Union Limited Former name

FCA permissions and consumer protection

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • 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 (3 permissions)
  • Accepting Deposits
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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.

Key dates in its history

Smart Money Cymru Credit Union’s history from the FCA register and Companies House, newest first.

Key events (7) All events (12)

2013

26 June 2013

  • Changed its registered name from "Smart Money Credit Union Limited"

FCA register

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2009

20 January 2009

  • Changed its registered name from "Caerphilly & District Credit Union Limited"

FCA register

2002

2 July 2002

  • Became authorised by the FCA

FCA register

21 June 2002

  • Regulated by the Financial Services Authority from this date

FCA register

2000

25 January 2000

  • Changed its registered name from "Penyrheol & Trecenydd Credit Union Limited"

FCA register

In the full report: all 12 events

  • All 12 events in its history (7 shown here)
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Firms like Smart Money Cymru Credit Union

Other firms of the same type (bank or building society), nearest first.

In the Cardiff (CF) postcode area

Principality Building SocietyCardiffAuthorisedJulian Hodge Bank LimitedCardiffAuthorisedBAG Credit Union LimitedBargoedAuthorisedBridgend Lifesavers Credit Union LimitedBridgendAuthorisedCardiff and the Vale Credit Union LimitedCaerdyddAuthorisedDragonsavers Credit Union LimitedTreorchyAuthorised

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 Smart Money Cymru Credit Union

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

  • 3 background checks on its contact details
  • All 12 events in its history

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Frequently asked questions about this firm

Is Smart Money Cymru Credit Union Limited FCA authorised?
Yes, Smart Money Cymru Credit Union Limited (FRN 213370) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2002 and works as a bank or building society. The FCA has placed no limits on its permissions.
What is Smart Money Cymru Credit Union’s phone number and website?
The FCA register lists the phone number 029 2088 3751 and the website smartmoneycymru.co.uk for Smart Money Cymru Credit Union. If you were given different contact details, use these to check with the firm before going any further.
Is Smart Money Cymru Credit Union a scam or clone?
Smart Money Cymru Credit Union 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 Smart Money Cymru Credit Union?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Smart Money Cymru Credit Union to the Financial Ombudsman Service, free of charge.
Does Smart Money Cymru Credit Union use any other names?
It trades as Smart Goods and Smart Money Cymru Community Bank. It has previously used 3 other names: Caerphilly & District Credit Union Limited, Penyrheol & Trecenydd Credit Union Limited and Smart Money Credit Union Limited.

Sources and links

The full report on Smart Money Cymru Credit Union Limited

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