U.S. Bank Europe DAC: FCA regulated?

Acts as a payment agent

This firm does not hold FCA authorisation of its own, and acts as a payment agent under another firm's authorisation.

Agent for 3 years
No FCA actions
Active company since 2007
Your funds are not FSCS protected

This is one of the company's FCA records. It separately holds full FCA authorisation under FRN 462132 →.

Responsible principal firm

American Express Payment Services Limited Reference number: 484347 Authorised View firm →

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

U.S. Bank Europe DAC Reference number: 462132 Authorised

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

0345 850 0195
Address

Block F1 Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland

In the full report: 2 background checks

What kind of line 0345 850 0195 is
Who else gives the postcode D18 W2X7

Other names (1)

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

ELAVON FINANCIAL SERVICES DAC Former name: A name it was registered under before.

Past FCA permissions and consumer protection

Protection works through the principal
This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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: FC027535 (opens Companies House in a new tab)
Company status: Active
Company type: Overseas company
Incorporated: 14 May 2007 (19 years old)
Registered office: Block F1 Cherrywood Business Park, Cherrywood, Dublin 18, D18 W2x7, Ireland

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Declan Lynch	Director	Sep 1965	29 May 2007	1 other company
Stephen Thomas Groarke	Director	Nov 1974	5 Dec 2018	3 other companies
Valerie Michelle Dias	Director	Oct 1959	25 Sep 2019	13 other companies
Venkatachari Dilip	Director	May 1959	22 Jun 2021	1 other company
Lisa Renee Stark	Director	Feb 1977	22 Mar 2023	None
Julie Scott-Bryant	Director	Jun 1972	25 Sep 2024	None
Paul Stanley	Director	Jun 1963	25 Sep 2024	None
Mark Runkel	Director	Oct 1976	19 Mar 2025	None
Abigail Kennedy	Secretary	Not published	20 Sep 2018	–

Other companies run by these 8 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: 18
closed down: 5
are FCA-registered: 3

In the full report: all 18 companies, named

What each company does, and whether it is still trading
Which of these 8 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 on the FCA register
All 24 people who have ever been directors, with their dates

Key dates in its history

U.S. Bank Europe DAC’s history from the FCA register and Companies House, newest first.

Key events (3) All events (43)

2025

11 March 2025

Changed its registered name from "ELAVON FINANCIAL SERVICES DAC"

FCA register

2023

6 September 2023

Status on the FCA register became "PSD Agent"

FCA register

2007

14 May 2007

Incorporated at Companies House

Companies House

In the full report: all 43 events

All 43 events in its history (3 shown here)
Every director appointment and resignation: 40

Firms connected to U.S. Bank Europe DAC

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

connected firm: 1
share its postcode: 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

Get the full report on U.S. Bank Europe DAC

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

18 other companies its directors have run, named
2 background checks on its contact details
All 43 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is U.S. Bank Europe DAC FCA authorised?

U.S. Bank Europe DAC (FRN 1002396) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.

What is U.S. Bank Europe DAC’s phone number?

The FCA register lists the phone number 0345 850 0195 for U.S. Bank Europe DAC. If you were given different contact details, use these to check with the firm before going any further.

Is U.S. Bank Europe DAC a scam or clone?

U.S. Bank Europe DAC 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 U.S. Bank Europe DAC?

U.S. Bank Europe DAC is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.

Who runs U.S. Bank Europe DAC?

Companies House lists 8 directors of U.S. Bank Europe DAC: Declan Lynch, Stephen Thomas Groarke, Valerie Michelle Dias, Venkatachari Dilip, Lisa Renee Stark, Julie Scott-Bryant and 2 more.

How long has U.S. Bank Europe DAC been in business?

The company was formed on 14 May 2007.

Does U.S. Bank Europe DAC use any other names?

It has previously used the name ELAVON FINANCIAL SERVICES DAC.