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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

OpenPayd

E-money institution · United Kingdom

About the company

Legal company nameSettleGo Solutions Limited · OpenPayd Financial Services Malta Limited · OP Digital Services Limited · OpenPayd Canada, Inc.
Year founded—
Headquarters / registered countryLondon, United Kingdom
Websitewww.openpayd.com
Last checked08.10.2026

According to its official website, OpenPayd is a financial infrastructure provider offering businesses accounts, payments, foreign exchange and digital-asset services through a single API. It targets corporate clients such as fintechs, forex and online brokerages, digital-asset businesses, remittance, marketplace, insurtech, payroll and iGaming platforms; it offers an unlimited number of virtual IBANs, multi-currency and corporate accounts, payment acceptance and payouts, pay-by-bank via open banking, FX and treasury, stablecoin services and on/off ramps between fiat and digital assets, and says it processes over $300 billion a year. The site states that account, payment, virtual IBAN and FX services are provided by SettleGo Solutions Limited in London (trading as OpenPayd), an FCA-authorised electronic money institution (FRN 900483), and in Malta by OpenPayd Financial Services Malta Limited, authorised by the MFSA as a financial institution; digital-asset services are provided by MFSA-authorised OP Digital Services Limited, and OpenPayd Canada, Inc. is registered with FINTRAC as a money services business. Information on digital assets is said to be directed only at persons outside the United Kingdom with professional experience in this field. This information is the company's own statement.

Account Details

ACCOUNT TYPESBusinesses and platforms only
MIN. DEPOSITNot stated
PLATFORMSOpenPayd API · Sandbox test environment
PRODUCTSVirtual IBANs · Multi-currency and corporate accounts · Payment acceptance and payouts · Open banking · Foreign exchange · Stablecoins and crypto on/off ramp

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 900483
Licence holderSETTLEGO SOLUTIONS LIMITED
ScopeListed in the FCA register as an Authorised Electronic Money Institution under SETTLEGO SOLUTIONS LIMITED (FRN 900483) since 17 May 2018.
StatusVerified

MFSA (Malta)

Licence no.LEI 213800ZWEHNKOCS3AC78
Licence holderOP Digital Services Limited
ScopeListed in ESMA's MiCA register of crypto-asset service providers (CASP), authorised by the Malta Financial Services Authority since 23 Jun 2026 (trading as OP Digital); custody, crypto exchange, order execution and transfer services, passported to EEA countries.
StatusVerified

MFSA (Malta)

Licence no.C 75580
Licence holderOpenPayd Financial Services Malta Limited
ScopeThe company states that OpenPayd Financial Services Malta Limited (company no C 75580) is authorised by the MFSA as a financial institution; no licence number is given. The record could not be verified because the MFSA register could not be read.
StatusPending verification

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: February 2021 – October 2026

  • Withdrawal / payment: 5
  • Customer support: 2

No. 403 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Withdrawal / payment: 334. · Customer support: 294.

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on OpenPayd's Trustpilot page (7) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the OpenPayd name are left out. Across the complaints, transfers that were rejected or never reached the recipient, allegations that balances were held after account closure, and unanswered support requests stand out.

Sources and verification history

Official company sourcesopenpayd.com — homepage, product menu, legal disclosure in the footer
Regulator recordsFCA — SETTLEGO SOLUTIONS LIMITED, FRN 900483 (register.fca.org.uk) · MFSA — OP Digital Services Limited, MiCA crypto-asset service provider, LEI 213800ZWEHNKOCS3AC78 (ESMA MiCA register, esma.europa.eu)
Company registerCompanies House — SETTLEGO SOLUTIONS LIMITED, company no 09570221, incorporated 30 Apr 2015
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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