Yes. Interpolitan Money Plc is authorised and regulated by the Financial Conduct Authority (FCA) to issue electronic money under the Electronic Money Regulations 2011, FRN 900413. Your funds are held in segregated, safeguarded accounts with tier-one banking partners, kept separate from Interpolitan's own assets. Note that Interpolitan Money accounts are not covered by the Financial Services Compensation Scheme (FSCS). Full regulatory information is available on our Regulatory Information page.

Most accounts are open and ready to transact within 7 to 10 working days of a completed application. The exact timeline depends on the complexity of your entity structure and the due diligence required. For property SPVs, onboarding can be completed in as little as 48 hours. Enterprise clients agree an onboarding plan with our team before signing anything, so there are no surprises on either side.

Interpolitan Money supports over 50+ currencies and payments to more than 160 countries. Accounts can hold balances in multiple currencies simultaneously, with no requirement to convert funds on arrival. International payments are made via SWIFT, SEPA, CHAPS and Faster Payments, depending on the corridor. Named local IBANs are issued for each currency account, giving clients direct access to local payment rails in their operating jurisdictions.

A Third-Party Managed Account (TPMA) is a regulated account structure that allows a law firm to manage client funds without holding that money directly in its own client account. This addresses the compliance burden created by SRA Rule 11, which governs how solicitors handle client money. Interpolitan's TPMA framework provides dual-control authorisation, real-time transaction reporting, and FX capability for cross-border matters, removing the operational and regulatory complexity of in-house client money management. It is designed for law firms, fiduciary firms, and corporate service providers operating under SRA or equivalent regulatory frameworks.

A property SPV (Special Purpose Vehicle) account is a dedicated business account held in the name of a single-purpose legal entity created to own or develop a specific property asset. SPVs are widely used in real estate investment, development finance, and portfolio structuring. Many high-street banks decline SPV account applications because the entity type is unfamiliar to their standard onboarding process. Interpolitan specialises in onboarding property SPVs: accounts can be opened in as little as 48 hours, with no application fee, and multi-entity management is available for portfolios with multiple SPV structures.

Wise and Airwallex are built for high-volume, straightforward international payments, primarily for SMEs and individuals. Interpolitan Money is built for complexity. We onboard entity types that most fintechs decline: SPVs, trusts, foundations, family offices, and businesses operating across multiple jurisdictions with significant compliance requirements. Every Interpolitan client receives a dedicated named Relationship Manager. We offer FCA-regulated escrow, SRA-compliant TPMAs, construction project accounts, and bespoke Enterprise treasury infrastructure, none of which are available through generic payment platforms. We are also regulated under the FCA's Electronic Money Regulations (FRN 900413), with funds held in segregated accounts at tier-one banking partners.

An Electronic Money Institution (EMI) is authorised by the FCA to issue electronic money and provide payment services, but it is not a licensed bank. The key practical difference is that funds held with an EMI are not covered by the Financial Services Compensation Scheme (FSCS), whereas deposits at a regulated bank may be protected up to £85,000. However, FCA-authorised EMIs like Interpolitan Money are required to safeguard client funds in segregated accounts held at tier-one banking partners, meaning your money is ring-fenced from Interpolitan's own assets. For many complex entity types, SPVs, offshore structures, non-resident businesses, an EMI can onboard clients that traditional banks routinely decline.