Union Income Ltd

Reference number: 493778

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Union Income Benefit Holdings Limited Reference number: 307575 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Union Income Ltd (FRN 493778) is an AR of Union Income Benefit Holdings Limited (FRN 307575). When you use Union Income's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Union Income, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

Also trades as 10 other names
  • ATL Prepaid Plus
  • ATL Rewards
  • RMT Prepaid Plus
  • RMT Rewards
  • Union Prepaid Plus
  • Union Rewards
  • Unison Prepaid Plus
  • Unison Rewards
  • Unite Prepaid Plus
  • Unite Rewards

Company details

From the company's Companies House record.

Company name
UNION INCOME LIMITED
Company number
06595562
Company status
Active
Company type
Private limited company
Incorporated
16 May 2008 (18 years old)
Registered office
14th Floor 33 Cavendish Square, London, W1G 0PW, United Kingdom
Nature of business
  • Other business support service activities not elsewhere classified (SIC 82990)

Current directors and secretaries

Name Role Born Appointed
Pat Hayes Director Apr 1968 17 Dec 2025
Paul Edward Thilo Director Jun 1968 17 Dec 2025
Catherine Elizabeth Baxandall Secretary Not published 1 Jan 2026

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Union Income Benefit Holdings Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

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 Union Income Ltd FCA authorised?
Union Income Ltd (FRN 493778) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Union Income?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Union Income Ltd (FRN 493778) is an AR of Union Income Benefit Holdings Limited (FRN 307575). When you use Union Income's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Union Income, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with Union Income?
Protection works through Union Income Benefit Holdings Limited, the principal firm responsible for Union Income's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Union Income a scam or clone?
Union Income 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 Union Income's Firm Reference Number (FRN)?
Union Income's FRN is 493778. You can verify it on the FCA register.