Incard Ltd

Reference number: 903054

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Acts as an e-money agent

This firm does not hold FCA authorisation of its own. It acts as a e-money agent under another firm's authorisation.

Responsible principal firm

TrueLayer Limited Reference number: 901096 Authorised View firm →

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 the record covers, and how you are protected

  • 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.

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?
Incard Ltd (FRN 903054) 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.
Is my money safe with Incard?
Incard 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.
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 903054. You can verify it on the FCA register.