TrueLayer Limited
Reference number: 901096
Instant download
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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Phone number
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Address
TrueLayer Limited, Part Ground Floor (East), Floors 6 and 7, The Gilbert, 40 Finsbury Square, EC2A 1PX, United Kingdom
In the full report: 3 background checks
- When truelayer.com first appeared online, and whether it can receive email
- What kind of line 0808 168 1628 is
- Who else gives the postcode EC2A 1PX
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 (9 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
- i) Payment initiation services
- j) Account information services
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
- 10278251 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 14 July 2016 (10 years old)
- Registered office
- Part Ground Floor (East), Floors 6 And 7 The Gilbert, 40 Finsbury Square, London, EC2A 1PX, United Kingdom
- Nature of business
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- Other information technology service activities (SIC 62090)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Camilla Jane Richardson | Director | Dec 1972 | 19 Feb 2024 | 13 other companies |
| Robert Daniel Kerrigan | Director | Jun 1983 | 20 Jan 2025 | 3 other companies |
| Muhamad Hussein Mirza | Director | Jul 1989 | 20 Jan 2025 | None |
| Olivia Charlotte Elizabeth Goddard | Secretary | Not published | 12 May 2025 | – |
Other companies run by these 3 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
- 16
- closed down
- 8
- are FCA-registered
- 3
In the full report: all 16 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register, including one no longer authorised
- All 9 people who have ever been directors, with their dates
Filed accounts and finances
Profit before tax
−£42.7m
Up £10.2m from −£52.9m
Net assets
£19.4m
−14% from £22.5m
Cash at bank
£15.0m
−14% from £17.5m
Owed within a year
£6.75m
−12% from £7.70m
The accounts for the year to 31 December 2024 do not tag turnover in a form that can be read automatically, so it is not shown. The last tagged figure is £2.65m, for the year to 31 December 2021.
* Cash at bank usually includes customers’ money.
Profit before tax
In the full report: all 4 years of accounts
- Every year from 2021 to 2024
- 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 10278251. 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
TrueLayer’s history from the FCA register and Companies House, newest first.
2020
17 August 2020
- Became an authorised e-money institution
FCA register
21 April 2020
- Regulated by the FCA from this date
FCA register
2018
5 July 2018
- Francesco Simoneschi stopped being a part-owner
- Luca Martinetti stopped being a part-owner
Companies House
2016
14 July 2016
- Incorporated at Companies House
- Francesco Simoneschi became a part-owner (25–50% of shares)
- Luca Martinetti became a part-owner (25–50% of shares)
Companies House
In the full report: all 22 events
- All 22 events in its history (7 shown here)
- Every director appointment and resignation: 15
Firms connected to TrueLayer
Other FCA-listed firms that share a director, phone number or address with TrueLayer. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 6
- share a director
- 1
- share its postcode
- 5
In the full report: all 6 connected firms, named
- How each is linked: shared directors (1), the same postcode (5)
- Who links each one: the named directors, with dates
- 2 past links through former directors
Firms like TrueLayer
Other firms of the same type (payment or money transfer firm), nearest first.
In the Central London (EC) postcode area
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 TrueLayer
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 16 other companies its directors have run, named
- 3 background checks on its contact details
- 4 years of accounts, charted
- All 22 events in its history
- 6 connected firms, named, and who links them
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Frequently asked questions about this firm
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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