Spend Ltd.
Reference number: 931540
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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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Phone number
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Address
142 Central Street, Clerkenwell, London, EC1V 8AR, United Kingdom
In the full report: 3 background checks
- When spend.co first appeared online, and whether it can receive email
- What kind of line 020 8113 6050 is
- Who else gives the postcode EC1V 8AR
Other names (2)
If you were contacted under any of these names, it is this firm.
- SWIPE INTERNATIONAL LTD Former name: A name it was registered under before.
- XOALA 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 (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
- 12590979 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 May 2020 (6 years old)
- Registered office
- 142 Central Street, Clerkenwell, London, EC1V 8AR, United Kingdom
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| William Brown | Director | Jul 1956 | 1 Jun 2020 | 5 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
- 5
- closed down
- 2
- is FCA-registered
- 1
In the full report: all 5 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 one on the FCA register, including one no longer authorised
- All 5 people who have ever been directors, with their dates
Filed accounts and finances
Turnover
£187k
+31% from £143k
Profit before tax
−£256k
Up £305k from −£561k
Total equity
£432k
−7.8% from £468k
Cash at bank
£574k
<1% from £580k
* Cash at bank usually includes customers’ money.
Turnover and profit
In the full report: all 5 years of accounts
- Every year from 2021 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 12590979. 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
Spend’s history from the FCA register and Companies House, newest first.
2026
6 January 2026
- Apsi Holdings Limited gave up control
- Metablock Ventures Limited took control (75–100% of shares)
- Metablock Ventures Ltd took control (75–100% of shares)
Companies House
2025
14 August 2025
- Changed its registered name from "SPEND LTD"
FCA register
13 August 2025
- Changed its registered name from "SWIPE INTERNATIONAL LTD"
FCA register
2023
12 June 2023
- Alvin Lee gave up control
- Apsi Holdings Limited took control (75–100% of shares)
Companies House
2021
22 July 2021
- Became an authorised e-money institution
FCA register
2020
7 August 2020
- Regulated by the FCA from this date
FCA register
7 May 2020
- Incorporated at Companies House
- Alvin Lee took control (75–100% of shares)
Companies House
In the full report: all 22 events
- All 22 events in its history (11 shown here)
- Every director appointment and resignation: 9
Firms connected to Spend
Other FCA-listed firms that share a director, phone number or address with Spend. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share its postcode
- 1
- past link
- 1
In the full report: the connected firm, named
- How it is linked: the same postcode (1)
- Who links it to this firm: the named directors, with dates
- 1 past link through former directors
Firms like Spend
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 Spend
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 5 other companies its directors have run, named
- 3 background checks on its contact details
- 5 years of accounts, charted
- All 22 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is Spend Ltd. FCA authorised?
What is Spend’s phone number and website?
Is Spend a scam or clone?
Is my money safe with Spend?
Who owns Spend?
Who runs Spend?
How long has Spend been in business?
What do Spend’s latest accounts show?
Does Spend use any other names?
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