Regulatory Transparency

Regulated & Non-Regulated Products

In line with the FCA Consumer Duty and the UK Financial Promotions regime, BilinkPay is required to clearly disclose which products and services are regulated and which are not. This page is kept up to date whenever our product set changes.

BilinkPay (Bilink Horizon Pay Limited, Reg. No. 16243788) is not itself an authorised or regulated financial services provider. All regulated payment and card services are provided by Equals Money entities under their own FCA authorisations. BilinkPay acts as a programme partner and distributor. You can verify the regulatory status of Equals Money entities on the FCA Register.

Regulated Products & Services

✓ FCA Regulated  Payment Services

The payment services available through BilinkPay — including account holding, domestic and international transfers, and Faster Payments — are regulated payment services provided by Equals Money Plc.

ProviderEquals Money Plc
Regulatory statusAuthorised as a Payment Institution by the FCA
FRN488396
Registered address3rd Floor, Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ
Applicable regulationsUK Payment Services Regulations 2017 (PSRs)
Products coveredPayment accounts, domestic GBP transfers (Faster Payments), SEPA EUR transfers, international SWIFT payments
FSCS protection❌ Not covered. Funds are safeguarded under the PSRs in designated accounts with Tier 1 banks, separate from company funds.

✓ FCA Regulated  Card Issuance & E-Money

The virtual Mastercard issued to BilinkPay customers is an e-money product provided by Equals Money International Limited.

ProviderEquals Money International Limited
Regulatory statusAuthorised as an Electronic Money Institution (EMI) by the FCA
FRN900493
Registered address3rd Floor, Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ
Applicable regulationsUK Electronic Money Regulations 2011 (EMRs)
Products coveredVirtual Mastercard (e-money), card-based payments and transactions
Card networkCards issued pursuant to licence by Mastercard International Inc.
FSCS protection❌ Not covered. E-money is safeguarded under the EMRs.

✓ FCA Regulated (EEA)  EEA Payment & Card Services

For customers based in the European Economic Area (EEA), payment and card services are provided by Equals Money Europe SA.

ProviderEquals Money Europe SA
Regulatory statusRegulated Payment Institution supervised by the National Bank of Belgium (NBB)
Registration number0849.185.510
Registered addressAvenue Louise 231, 1050 Bruxelles, Belgium
Applicable regulationsEU Payment Services Directive 2 (PSD2), Belgian Payment Institutions Act
Products coveredPayment accounts and virtual Mastercard for EEA residents
Non-Regulated Products & Services

⚠ Not FCA Regulated  Foreign Exchange (FX) Conversion

Spot foreign exchange conversion services offered via BilinkPay are not regulated activities under the Financial Services and Markets Act 2000. FX conversion is not a payment service for the purposes of the PSRs.

ProviderEquals Money Plc
Regulatory statusNot regulated — FX conversion is not a regulated activity under FSMA 2000 or the PSRs
Compensation scheme❌ Not covered by the FSCS or any other compensation scheme
Risk disclosureExchange rates fluctuate. The rate applied to your transaction is shown before you confirm. BilinkPay applies a variable margin to the wholesale interbank rate.
Further informationSee our Pricing page for the FX margin applicable to your account tier.

⚠ Not FCA Regulated  BilinkPay Platform & Onboarding

BilinkPay's web portal and onboarding platform are technology services. They are not themselves regulated financial services. BilinkPay acts as a distributor and programme partner for the regulated services provided by Equals Money entities.

ProviderBilink Horizon Pay Limited (BilinkPay)
Regulatory statusNot regulated — distribution and programme management only
Regulatory basisOperating under the authorisation of Equals Money Plc (FRN 488396) and Equals Money International Limited (FRN 900493) as a programme partner
Summary Table
Product / Service Status Provided by FSCS?
Payment Account Regulated Equals Money Plc (FRN 488396) No
Domestic GBP Transfers Regulated Equals Money Plc (FRN 488396) No
International Transfers (SEPA / SWIFT) Regulated Equals Money Plc (FRN 488396) No
Virtual Mastercard (e-money) Regulated Equals Money International Ltd (FRN 900493) No
EEA Payment & Card Services Regulated Equals Money Europe SA (NBB) No
FX Conversion Not Regulated Equals Money Plc No
BilinkPay Platform & Distribution Not Regulated Bilink Horizon Pay Ltd No

This page is maintained in accordance with the FCA Consumer Duty (PRIN 2A) and the Equals Money Financial Promotions Guidance (v2.1, April 2026). Last reviewed: June 2026. If you have questions about the regulatory status of any BilinkPay product, contact us at contact@bilinkpay.com.