Gemba · FCA FRN 804853  ·  Independent editorial · Introducer Partner
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Compliance

FCA authorisation, fund safeguarding, and what it means for you.

The products on this site are delivered by Gemba Technologies Ltd, an FCA Authorised Payment Institution. financeb2b.co.uk is an Introducer Partner — we are not ourselves FCA-authorised and do not provide regulated financial services or advice.

§ 01 — FCA regulatory status

Gemba's authorisation

Legal entityGemba Technologies Ltd
FCA statusAuthorised Payment Institution
FCA reference number804853 — verify on FCA register
Permitted servicesPayment services including account information, payment initiation, money transmission, card issuing
Regulated byFinancial Conduct Authority, 12 Endeavour Square, London E20 1JN

financeb2b.co.uk holds no FCA authorisation. We are an editorial site and Introducer Partner. All account opening, payment processing, and card issuance is carried out by Gemba under their FCA authorisation. We do not handle your money at any point.

§ 02 — Fund protection

Safeguarding vs FSCS: what protects your money

E-money safeguarding (Gemba)
Safeguarded funds
Your funds are held in a segregated account at a prudentially regulated bank, separate from Gemba's own operating funds. If Gemba becomes insolvent, the segregated funds are ring-fenced and returned to customers through an administration process. This is a requirement under the FCA's e-money safeguarding rules.
FSCS (high-street banks)
FSCS-protected deposits
Up to £85,000 per depositor is guaranteed by the Financial Services Compensation Scheme if a bank fails. FSCS protection is automatic, does not depend on insolvency administration, and pays out within 7 days. Only firms with a banking licence (not payment institutions) are FSCS-eligible.

If you need FSCS protection — for example, you hold balances above £85,000 and want the guarantee rather than the safeguarding ring-fence — you need a bank account. Gemba is not a bank and does not offer FSCS protection. We explain this clearly on every product page.

§ 03 — Data protection

How your data is handled

financeb2b.co.uk processes contact form submissions and cookies in accordance with UK GDPR and the Data Protection Act 2018. We are the data controller for information you submit to us. Data is not sold or shared with third parties for marketing.

When you open a Gemba account through our links, your application data is processed by Gemba under their privacy policy and KYB compliance obligations. financeb2b does not receive or store your Gemba application data.

Full details are in our Privacy Policy and Cookie Policy.