Union Bureau De Change Ltd

Reference number: 717285

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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

    020 3305 9746

  • Address

    8B Spring Street, London, England, W2 3RA, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 3305 9746 is
  • Who else gives the postcode W2 3RA
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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.

Company number
09445734
Company status
Active
Company type
Private limited company
Incorporated
18 February 2015 (11 years old)
Registered office
8 B Spring Street, London, W2 3RA, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Mir Ershad Ali Hashmi Director Jun 1975 4 Feb 2021 1 other company

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 company
1
closed down
1

In the full report: all 1 company, 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
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 February 2026Small company accountsNot audited

Net assets

−£91.7k

Up £15.6k from −£107k

Cash at bank

£50.4k

+43% from £35.3k

Employees (average)

2

Same as 2

Owed within a year

£150k

<1% from £150k

Net assets are negative: on its last balance sheet the company owed £91.7k more than it owned.

Net assets

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • 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 09445734. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Union Bureau De Change’s history from the FCA register and Companies House, newest first.

Key events (7) All events (16)

2020

22 October 2020

  • Abdulla Kovath took control (75–100% of shares)
  • Habibullah Kapadia gave up control

Companies House

2018

15 August 2018

  • Registered as a small payment institution

FCA register

2017

17 February 2017

  • Habibullah Kapadia took control (75–100% of shares)

Companies House

2015

4 December 2015

  • Regulated by the FCA from this date

FCA register

29 September 2015

  • Supervised by HMRC under the money laundering rules from this date

FCA register

18 February 2015

  • Incorporated at Companies House

Companies House

In the full report: all 16 events

  • All 16 events in its history (7 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Union Bureau De Change

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

connected firm
1
no longer authorised
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
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Firms like Union Bureau De Change

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

In London

StoneX Financial LtdLondonAuthorisedReal Transfer LimitedLondonAuthorisedOnafriq UK LimitedLondonAuthorisedDaytona Capital Management LimitedLondonAuthorisedSable International FX LimitedLondonAuthorisedTrolley Payments UK LtdLondonAuthorised

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 Union Bureau De Change

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

  • 1 other company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 16 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Union Bureau De Change Ltd FCA authorised?
Yes, Union Bureau De Change Ltd (FRN 717285) is registered with the FCA and permitted to provide its regulated services.
What is Union Bureau De Change’s phone number?
The FCA register lists the phone number 020 3305 9746 for Union Bureau De Change. If you were given different contact details, use these to check with the firm before going any further.
Is Union Bureau De Change a scam or clone?
Union Bureau De Change 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 Union Bureau De Change?
Protection depends on which product you hold and how Union Bureau De Change handles your money, so check the specific product before you commit. You can also refer complaints about Union Bureau De Change to the Financial Ombudsman Service, free of charge.
Who owns Union Bureau De Change?
Companies House lists one person with significant control of Union Bureau De Change: Mr Abdulla Kovath (75–100% of shares). Before that, it was controlled by Habibullah Kapadia.
Who runs Union Bureau De Change?
Companies House lists one director of Union Bureau De Change: Mir Ershad Ali Hashmi.
How long has Union Bureau De Change been in business?
The company was formed on 18 February 2015, and has held its current FCA authorisation since August 2018.
What do Union Bureau De Change’s latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of −£91.7k (up £15.6k from −£107k) and cash at bank of £50.4k (+43% from £35.3k).

Sources and links

The full report on Union Bureau De Change Ltd

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