INCARD LTD

Reference number: 1027309

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Same company

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.

Identity

Check their details

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.

Company details

From the company's Companies House record.

Company number
13073893
Company status
Active
Company type
Private limited company
Incorporated
9 December 2020 (5 years old)
Registered office
71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom
Nature of business
  • Other software publishing (SIC 58290)
  • Other information technology service activities (SIC 62090)
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Theo Esteban Pablo Cesarini Director Aug 1995 9 Dec 2020
Matteo Antonio Vincenzo Martino Director Jan 1997 9 Dec 2020
Soraya Tribouillois Director May 1997 25 Jul 2021
Matthew John Tuck Director Jun 1968 10 Mar 2026

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Handle payments & transfers Funds safeguarded
    Your 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.

    How safeguarding works →

Show FCA detail (7 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

Limits on what they may do

  • The firm will not appoint agents
    The firm will not appoint agents
  • The firm will not provide any payment services which are not related to the issuing of e-money including account information services and payment initiation services
    The firm will not provide any payment services which are not related to the issuing of e-money including account information services and payment initiation services

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is INCARD LTD FCA authorised?
Yes, INCARD LTD (FRN 1027309) is authorised by the FCA to carry out regulated activities.
Is my money safe with INCARD?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about INCARD to the Financial Ombudsman Service, free of charge.
Is INCARD a scam or clone?
INCARD is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is INCARD's Firm Reference Number (FRN)?
INCARD's FRN is 1027309. You can verify it on the FCA register.