Top Xchange Limited

Reference number: 815451

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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.

  • No website on the FCA register

  • Phone number

    07400 900883

  • Address

    2B George Arthur Road, Saltley, Birmingham, West Midlands, B8 1LW, United Kingdom

In the full report: 2 background checks

  • What kind of line 07400 900883 is
  • Who else gives the postcode B8 1LW
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Other names (1)

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

  • Top Transfers 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.

Concerns on the company record

  • Accounts are overdue at Companies House.
Company number
10504284
Company status
Active
Company type
Private limited company
Incorporated
30 November 2016 (9 years old)
Registered office
2b George Arthur Road, Birmingham, B8 1LW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Rhman Abdul Director Sep 1991 30 Nov 2016 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

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
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Filed accounts and finances

Year to 30 December 2024Micro-entity accountsNot audited

Net assets

£2,068

Up £1,173 from £895

Employees (average)

2

Same as 2

Owed within a year

£1,250

−7.3% from £1,349

Its next accounts are overdue at Companies House.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2019 to 2024
  • 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 10504284. 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

Top Xchange’s history from the FCA register and Companies House, newest first.

2018

22 August 2018

  • Supervised by HMRC under the money laundering rules from this date
  • Registered as a small payment institution

FCA register

3 August 2018

  • Began trading as "Top Transfers"

FCA register

2016

30 November 2016

  • Incorporated at Companies House
  • Rhman Abdul took control (75–100% of shares)
  • Rhman Abdul appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like Top Xchange

Other firms of the same type (payment or money transfer firm), nearest first.

In Birmingham

2Pay LimitedBirminghamRegisteredAbu Exchange LtdBirminghamRegisteredAltras International LimitedBirminghamAuthorisedAps International LimitedBirminghamAuthorisedArise Ventures LtdBirminghamRegisteredBen Saad Services LtdBirminghamRegistered

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 Top Xchange

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
  • 2 background checks on its contact details
  • 6 years of accounts, charted
  • All 6 events in its history

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Frequently asked questions about this firm

Is Top Xchange Limited FCA authorised?
Yes, Top Xchange Limited (FRN 815451) is registered with the FCA and permitted to provide its regulated services.
What is Top Xchange’s phone number?
The FCA register lists the phone number 07400 900883 for Top Xchange. If you were given different contact details, use these to check with the firm before going any further.
Is Top Xchange a scam or clone?
Top Xchange 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 Top Xchange?
Protection depends on which product you hold and how Top Xchange handles your money, so check the specific product before you commit. You can also refer complaints about Top Xchange to the Financial Ombudsman Service, free of charge.
Who owns Top Xchange?
Companies House lists one person with significant control of Top Xchange: Mr Rhman Abdul (75–100% of shares).
Who runs Top Xchange?
Companies House lists one director of Top Xchange: Rhman Abdul.
How long has Top Xchange been in business?
The company was formed on 30 November 2016, and has held its current FCA authorisation since August 2018.
What do Top Xchange’s latest accounts show?
Its latest accounts, to 30 December 2024, show net assets of £2,068 (up £1,173 from £895). Its accounts are overdue at Companies House.
Does Top Xchange use any other names?
It trades as Top Transfers.

Sources and links

The full report on Top Xchange Limited

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