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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

Sends

E-money institution · United Kingdom

About the company

Legal company nameSmartflow Payments Limited
Year founded2017
Headquarters / registered countryWelwyn Garden City, United Kingdom
Websitesends.co
Last checked08.10.2026

According to its official website, Sends is an electronic money institution trading under the name of Smartflow Payments Limited that offers online financial accounts to individuals and businesses. Customers can open several accounts with personal IBANs in EUR, GBP and USD; send and receive money via SEPA, SWIFT and UK local payments, accept online payments directly to their IBAN, make payouts to IBANs and cards and track transactions in one dashboard; currency exchange carries a 0.3% fee and there are no monthly fees. The service is aimed at private individuals, entrepreneurs, e-commerce merchants and startups; accounts are opened only for individuals living in the UK and legal entities registered there. The site states that Smartflow Payments Limited is registered in England and Wales under number 11070048 and is authorised by the FCA under the Electronic Money Regulations 2011 and the Payment Services Regulations 2017 to issue electronic money and provide payment services (FRN 900873); the website is owned by ODESSYS TECH LTD and used under a licence agreement. The address is in Welwyn Garden City; according to Companies House the company was incorporated in 2017. This information is the company's own statement.

Account Details

ACCOUNT TYPESUK-resident individuals and UK-registered businesses
MIN. DEPOSITNot stated
PLATFORMSWeb dashboard · Mobile app
PRODUCTSMulti-currency account with personal IBAN (EUR, GBP, USD) · SEPA, SWIFT and UK local transfers · Online payment acceptance · Payouts to IBAN and cards · Currency exchange

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 900873
Licence holderSMARTFLOW PAYMENTS LIMITED
ScopeListed in the FCA register as an Authorised Electronic Money Institution under SMARTFLOW PAYMENTS LIMITED (FRN 900873) since 6 Jan 2019.
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: May 2025 – October 2026

  • Withdrawal / payment: 1
  • Identity verification: 1

No. 468 for most complaints among the 532 institutions with complaint records (918 institutions listed on the site).

RANK BY TOPIC — Withdrawal / payment: 415. · Identity verification: 269.

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on Sends's Trustpilot page (2) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Sends name are left out. Across the complaints, held transfers and an account fee, and requests for source-of-wealth and source-of-funds documents stand out.

Sources and verification history

Official company sourcessends.co — homepage, FAQ, legal information in the footer
Regulator recordsFCA — SMARTFLOW PAYMENTS LIMITED, FRN 900873 (register.fca.org.uk)
Company registerCompanies House — SMARTFLOW PAYMENTS LIMITED, company no 11070048, incorporated 17 Nov 2017
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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