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FINANCIAL INSTITUTION INFORMATION PLATFORM

Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

DebenhamsPay+

Payment institution · United Kingdom

About the company

Legal company nameDebenhamsPayplus Limited
Year founded—
Headquarters / registered countryManchester, United Kingdom
Websitewww.debenhamspayplus.com
Last checked08.10.2026

According to its official website, DebenhamsPay+ is a payment and credit account that lets shoppers pay GBP 0 at checkout and use one flexible account in two ways. With "Split it", purchases of GBP 15 and over can be paid in three interest-free monthly instalments; with "Flex it", no interest is charged for the first 90 days, after which the representative APR is 29.9% variable and the minimum monthly payment is GBP 5 or 5% of the balance. The late fee is GBP 4 per month. The account can be managed in the mobile app and is supported by a UK-based customer services team. Applicants must be 18 or over and have a UK address (excluding Jersey). The company is DebenhamsPayplus Limited, registered in Manchester and authorised by the FCA for consumer credit (FRN 994893) and payment services (FRN 1003847). This information is the company's own statement.

Account Details

ACCOUNT TYPESPersonal (aged 18 and over, UK residents)
MIN. DEPOSITNot stated
PLATFORMSDebenhamsPay+ mobile app · Web account
PRODUCTSThree interest-free instalments (Split it) · Flexible credit account (Flex it) · Payment at partner retailers

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 1003847
Licence holderDebenhamsPayplus Limited
ScopeListed in the FCA register as an Authorised Payment Institution under DebenhamsPayplus Limited (FRN 1003847) since 27 Sep 2024.
StatusVerified

FCA (United Kingdom)

Licence no.FRN 994893
Licence holderDebenhamsPayplus Limited
ScopeListed in the FCA register under DebenhamsPayplus Limited (FRN 994893); status Authorised since 27 Sep 2024. It holds permissions to enter into regulated credit agreements as lender and for credit broking.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: October 2025 – October 2026

  • Account / trading conditions: 2
  • Withdrawal / payment: 1

No. 453 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Account / trading conditions: 389. · Withdrawal / payment: 415.

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on DebenhamsPay+'s Trustpilot page (3) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the DebenhamsPay+ name are left out. Across the complaints, the interest burden, an approved account put on hold after an order, and charges taken despite declined orders stand out.

Sources and verification history

Official company sourcesdebenhamspayplus.com — homepage (How it works, About us) and footer
Regulator recordsFCA — DebenhamsPayplus Limited, FRN 1003847 and FRN 994893 (register.fca.org.uk)
Company registerCompanies House — DebenhamsPayplus Limited, company no 14126560
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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