Metro Moneywise Credit Union Limited

Reference number: 213379

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Authorised by the FCA

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

What the FCA says

Deferred Payment Credit (Buy Now Pay Later) - temporary permission

This firm has temporary permission to provide Deferred Payment Credit (Buy Now Pay Later) agreements. This means it’s considered authorised by the FCA, but it hasn't been assessed against the standards required for full authorisation. The firm still has to follow our rules and guidance, and if consumers have a complaint about a Buy Now Pay Later agreement, they can contact the Financial Ombudsman Service if they’re not happy with the response they get from the firm.

  • This firm is operating under temporary permission while it seeks full UK authorisation. What it is permitted to do could change.

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.

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money · Handle payments & transfers FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.

Check your FSCS cover →

Show FCA detail (7 permissions)
  • Accepting Deposits
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Arranging (bringing about) deals in investments
  • Dealing in investments as agent
  • Entering into regulated deferred payment credit agreements as lender
  • Exercising, or having the right to exercise, the lender’s rights and duties under regulated deferred payment credit agreements
  • Making arrangements with a view to transactions in investments

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.

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Metro Rochdale Employees Credit Union Limited

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Common questions

Frequently asked questions

Is Metro Moneywise Credit Union Limited FCA authorised?
Yes, Metro Moneywise Credit Union Limited (FRN 213379) is authorised by the FCA to carry out regulated activities.
Is my money safe with Metro Moneywise Credit Union?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Metro Moneywise Credit Union to the Financial Ombudsman Service, free of charge.
Is Metro Moneywise Credit Union a scam or clone?
Metro Moneywise Credit Union 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 Metro Moneywise Credit Union's Firm Reference Number (FRN)?
Metro Moneywise Credit Union's FRN is 213379. You can verify it on the FCA register.