Tuto Money Limited

Reference number: 492514

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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, 1 thing worth a closer look

  • When tuto.org.uk first appeared online, and whether it can receive email
  • What kind of line 01733 235221 is
  • Who else gives the postcode PE8 6RU
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Other names (100)

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

  • Tuto Trading name
  • Accumulate Money Limited Former name
  • Better Retirement Ltd Former name
  • Action Today Former trading name
  • AE Review Former trading name
  • Affinity Protect Former trading name
  • Aims Finance Former trading name
  • Alchemy Financial Management Former trading name
  • Alchemy Organisation Former trading name
  • All About Saving Former trading name
  • All About Savings Former trading name
  • A&R Independent Mortgage Services Former trading name
  • Aspire Money Former trading name
  • Assure Today Former trading name
  • Axis Protection Former trading name
  • Bee-Assured Former trading name
  • Better Financial Management Former trading name
  • B L Protection Former trading name
  • Bournes Former trading name
  • Brilliant Insurance Former trading name
  • Carswell Funding Former trading name
  • CHS Former trading name
  • Cloud 9 Financial Former trading name
  • CMA Former trading name
  • Coach House Protection Former trading name
  • Consumer Protect Former trading name
  • Cover You Former trading name
  • Dance Montague Former trading name
  • Direct Insurance Centre Former trading name
  • Direct Protect Former trading name
  • Eadon & King Former trading name
  • Eadon & King Wealth Management Former trading name
  • Expert Life Former trading name
  • Financial Protection Former trading name
  • First 2 talk Former trading name
  • Fripee Former trading name
  • Future Solutions Former trading name
  • Getsafe Former trading name
  • gi-cover Former trading name
  • Globatel Insurance Former trading name
  • Gnomic Financial Management Former trading name
  • Honest Future Planning Former trading name
  • HRK & Associates Former trading name
  • Ideal Finance Solutions Former trading name
  • Ideal Financial Solutions Former trading name
  • Immediate Financial Former trading name
  • Kandoo Financial Solutions Former trading name
  • Lyfplan Former trading name
  • Lyfplanner Former trading name
  • Money Expert Former trading name
  • Money Expert Financial Management Former trading name
  • Money Managed Former trading name
  • Money Management Team Former trading name
  • Money Savers UK Former trading name
  • Money Saver UK Former trading name
  • Money Saver UK Financial Former trading name
  • Money Saving Network Former trading name
  • More Life Former trading name
  • My Payment Plan Former trading name
  • One Life Protection UK Former trading name
  • Phoenix Marketing Solutions Former trading name
  • Policy Library Former trading name
  • Portfolio Protection Former trading name
  • Primrose Financial Management Former trading name
  • Protect Direct Former trading name
  • Protection & Mortgage Group Former trading name
  • Protect My Home Former trading name
  • Protect Our Family Former trading name
  • Protect Your Life Former trading name
  • Purple Frog Former trading name
  • Purple Frog Financial Former trading name
  • Purple Frog Insurance Former trading name
  • Quest Financial Management Former trading name
  • Quest Money Former trading name
  • R29 Former trading name
  • Roman Life Former trading name
  • Sandown Former trading name
  • Save 4 U Reviews Former trading name
  • Save 4 You Former trading name
  • Smarter Advice Former trading name
  • Smart Family Former trading name
  • Smart Money Former trading name
  • Smart Money Online Former trading name
  • Substantial Life Former trading name
  • Synergy Financial Management Former trading name
  • TCF Financial Management Former trading name
  • Term Direct Former trading name
  • The Business Energy Company Former trading name
  • Tuto Life Former trading name
  • Tuto Private Clients Former trading name
  • Tuto Professional Services Former trading name
  • Under 1 Roof Financial Services Former trading name
  • United Homes Financial Services Former trading name
  • Vidaguard Former trading name
  • Web FS Former trading name
  • Your Financial Advice Former trading name
  • Your Life Cover Former trading name
  • Your Life Cover UK Former trading name
  • yourlifeprotect.co.uk Former trading name
  • Zest Protect Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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)
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Making arrangements with a view to transactions in investments

Limits on what they may do

  • Registering trading names
    The Firm must not register any trading names on the Financial Services Register without the FCA’s prior written consent. 2. Within 10 working days of the Effective Date, the Firm must: (i) remove all trading names registered on the Financial Services Register save for Tuto and Tuto Money; (ii) and ensure that any websites, mobile applications and social media pages associated with the removed trading names are removed or inaccessible by consumers or amended so as not to mislead consumers. 3. The Firm must not onboard any Appointed Representatives/Introducer Appointed Representative without the FCA’s prior written consent. 4. Within 10 working days of the Effective Date, the Firm must: (i) ensure that all of the Firm’s financial promotions (including those of its Appointed Representatives and trading names) are compliant with all relevant FCA Handbook rules or are withdrawn as appropriate; and (ii) provide a written report to the FCA detailing the steps taken. 5. The Firm must ensure that, within 10 working days of the Effective Date, a notice setting out the terms and effect of these Requirements in a form to be agreed in advance with the FCA is published in a prominent place on all of its websites, mobile applications and social media pages (including any in the names of the Firm’s Appointed Representatives and its Tuto and Tuto Money registered trading names). 6. Within 10 working days of the Effective Date, the Firm must provide written confirmation to the FCA that it is in compliance with these Requirements
  • Assets Restriction
    1. The Firm must not, without the prior written consent of the FCA, in any way dispose of, withdraw, transfer, deal with or diminish the value of any of its own assets, and any funds it holds for, or to the order of, its customers (whether in the United Kingdom or elsewhere). 2. For the avoidance of doubt, transfer between the Firm’s banks or securities accounts require the prior written consent of the FCA. 3. The assets restriction does not apply to monetary payments or the disposal of assets made by the Firm in the ordinary course of business. For the avoidance of doubt the following payments shall not be regarded as payments in the ordinary course of business: a) Payments of unusual or significant amounts to the Firm’s controllers, shareholders, directors, officers, employees or any connected persons. b) The making of any capital distribution. c) The making of any gift or loan by the Firm to any party. d) Payments made as part of any financial restructuring or reorganisation of its business (whether share or asset based). 4. The assets restriction does not apply to: a) Transactions giving effect to instructions initiated by customers. b) Payments of funds to the Firms suppliers, or other relevant third parties, in the ordinary course of business and in satisfaction of the Firm’s contractual obligations. c) Usual and proper salary payments made by the Firm.

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
06757678
Company status
Active
Company type
Private limited company
Incorporated
25 November 2008 (17 years old)
Registered office
Orion House, 14 Barn Hill, Stamford, Lincolnshire, PE9 2AE
Nature of business
  • Activities of insurance agents and brokers (SIC 66220)
  • Other activities auxiliary to insurance and pension funding (SIC 66290)

Directors and company secretaries

Name Role Born Appointed Other companies
Sarah Catherine Bascombe Director Oct 1964 30 Jul 2010 15 other companies
Kim David Bascombe Director Nov 1963 29 Jul 2011 14 other companies

Other companies run by these 2 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
24
closed down
14
are FCA-registered
2

In the full report: all 24 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • The 5 companies these 2 directors run together
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 November 2025Small company accountsNot audited

Net assets

£165k

+14% from £145k

Cash at bank

£195k

+9.9% from £177k

Employees (average)

10

Same as 10

Owed within a year

£303k

+30% from £234k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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 06757678. 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

Tuto Money’s history from the FCA register and Companies House, newest first.

Key events (10) All events (219)

2026

9 March 2026

  • FCA imposed a requirement (Registering trading names)

FCA register

2020

17 December 2020

  • FCA imposed a requirement (Assets Restriction)

FCA register

2016

6 April 2016

  • Kim David Bascombe became a part-owner (25–50% of shares)
  • Sarah Catherine Bascombe became a part-owner (25–50% of shares)

Companies House

2015

12 January 2015

  • Changed its registered name from "Accumulate Money Limited"
  • Changed its registered name from "Better Retirement Ltd"

FCA register

2013

1 April 2013

  • Regulated by the FCA from this date

FCA register

2009

2 February 2009

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

2008

25 November 2008

  • Incorporated at Companies House

Companies House

In the full report: all 219 events

  • All 219 events in its history (10 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Tuto Money

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

connected firm
1
share its postcode
1
past links
2

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
  • 2 past links through former directors
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Firms like Tuto Money

Other firms of the same type (insurance broker), nearest first.

In Peterborough

Bennetts Motorcycling Services LimitedPeterboroughAuthorisedLet Insurance Services LtdPeterboroughAuthorised2 Direct LimitedPeterboroughAuthorisedArcadian Group LimitedPeterboroughAuthorisedCaptios LimitedPeterboroughAuthorisedClaimify LimitedPeterboroughAuthorised

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 Tuto Money

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

  • 24 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 219 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Tuto Money Limited FCA authorised?
Yes, Tuto Money Limited (FRN 492514) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2009 and works as an insurance broker. The FCA has placed 2 limits on what it may do.
What is Tuto Money’s phone number and website?
The FCA register lists the phone number 01733 235221 and the website tuto.org.uk for Tuto Money. If you were given different contact details, use these to check with the firm before going any further.
Is Tuto Money a scam or clone?
Tuto Money 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 Tuto Money?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Tuto Money to the Financial Ombudsman Service, free of charge.
Who owns Tuto Money?
Companies House lists 2 people with significant control of Tuto Money: Mr Kim David Bascombe (25–50% of shares) and Mrs Sarah Catherine Bascombe (25–50% of shares).
Who runs Tuto Money?
Companies House lists 2 directors of Tuto Money: Sarah Catherine Bascombe and Kim David Bascombe.
How long has Tuto Money been in business?
The company was formed on 25 November 2008, and has held its current FCA authorisation since February 2009.
What do Tuto Money’s latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £165k (+14% from £145k) and cash at bank of £195k (+9.9% from £177k).
Does Tuto Money use any other names?
It trades as Tuto. It has previously used 99 other names, including Accumulate Money Limited, Better Retirement Ltd and Action Today.

Sources and links

The full report on Tuto Money Limited

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