Xero (UK) Limited: FCA regulated?

Registered with the FCA

This firm is registered to provide account information services. With your permission it can read your account data, but it cannot hold or move your money.

Registered for 7 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2007

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.

Website

xero.com/uk (opens in a new tab)
Phone number

06448 194800
Address

5th Floor, 100 Avebury Boulevard, Milton Keynes, Buckinghamshire, MK9 1FH, United Kingdom

In the full report: 3 background checks

When xero.com first appeared online, and whether it can receive email
What kind of line 06448 194800 is
Who else gives the postcode MK9 1FH

FCA permissions and consumer protection

Account information No FSCS cover
This firm does not hold or move your money, it only reads your account data with your permission. There are no customer funds to safeguard and FSCS protection does not arise. You can still complain about how it handled your data.
Complaints Ombudsman, free
You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

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: 06071722 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 29 January 2007 (19 years old)
Registered office: 5th Floor 100 Avebury Boulevard, Milton Keynes, MK9 1FH, United Kingdom
Nature of business: Business and domestic software development (SIC 62012)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Kate Ann Hayward	Director	Mar 1990	1 Apr 2025	1 other company
Rebecca Jane Small	Director	Dec 1981	1 Apr 2025	1 other company
Matthew Adam Starmer	Director	Oct 1980	3 Feb 2026	None
FIELDFISHER SECRETARIES LIMITED	Corporate secretary	Not published	23 May 2016	–

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 company: 1
still active: 1
run together: 1

In the full report: all 1 company, 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 1 company these 3 directors run together
All 11 people who have ever been directors, with their dates

Key dates in its history

Xero (UK)’s history from the FCA register and Companies House, newest first.

Key events (3) All events (22)

2018

8 November 2018

Status on the FCA register became "Registered Account Information Service Provider"

FCA register

5 April 2018

Regulated by the FCA from this date

FCA register

2007

29 January 2007

Incorporated at Companies House

Companies House

In the full report: all 22 events

All 22 events in its history (3 shown here)
Every director appointment and resignation: 19

Firms like Xero (UK)

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

In Milton Keynes

Viva Wallet.com LtdMilton KeynesAuthorised Tic Remit LimitedMilton KeynesRegistered Fumopay LtdMilton KeynesAuthorised

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 Xero (UK)

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
3 background checks on its contact details
All 22 events in its history

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Frequently asked questions about this firm

Is Xero (UK) Limited FCA authorised?

Yes, Xero (UK) Limited (FRN 805806) is registered with the FCA and permitted to provide its regulated services.

What is Xero (UK)’s phone number and website?

The FCA register lists the phone number 06448 194800 and the website xero.com/uk for Xero (UK). If you were given different contact details, use these to check with the firm before going any further.

Is Xero (UK) a scam or clone?

Xero (UK) 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 Xero (UK)?

Protection depends on which product you hold and how Xero (UK) handles your money, so check the specific product before you commit. You can also refer complaints about Xero (UK) to the Financial Ombudsman Service, free of charge.

Who runs Xero (UK)?

Companies House lists 3 directors of Xero (UK): Kate Ann Hayward, Rebecca Jane Small and Matthew Adam Starmer.

How long has Xero (UK) been in business?

The company was formed on 29 January 2007, and has held its current FCA authorisation since November 2018.