England

What England does

England.pl is a private, Poland-based online money transfer service specializing in the Poland-United Kingdom remittance corridor, operated by Fintecom S.A. (founded 2002) and its UK arm Fintecom Limited. The platform enables individuals and businesses to send funds between PLN and GBP accounts, with three core products: retail transfers from the UK to Poland, retail transfers from Poland to the UK, and a business transfers product with a dedicated currency dealer offering preferential live FX rates. Underlying technology is a web-based client portal (england24.pl) with 128-bit SSL encryption, integrating multiple payment rails including BLIK, e-przelew via Tpay, and Visa/Mastercard card acceptance, and operating 7:00-21:00 on weekdays with transfers typically delivered within one hour.

The business is regulated on both ends of the corridor: Fintecom S.A. is a Polish National Payment Institution supervised by KNF (IP4/2013), and UK-side e-money issuance and client fund safeguarding are delivered through Keel Money Ltd (FCA-authorized under FRN 1020783). Revenue is generated primarily through a flat transaction fee (£2 for transfers to Poland, 10 PLN for transfers to the UK) and embedded FX spread on GBP/PLN conversions, with transfers of 2,000 GBP / 10,000 PLN and above processed free of charge at preferential rates. Go-to-market is direct-to-consumer via an online self-service portal, complemented by a dedicated business desk for enterprise clients, content marketing around GBP/PLN exchange rates, and Trustpilot/Facebook-driven reputation management targeting the Polish diaspora in the UK.

England.pl is a niche, mature operator with a 20+ year track record, 11-50 employees, no external funding, and no disclosed M&A. Its primary competitive differentiators are the dual regulatory footprint, corridor specialization, speed of transfer, and extended service hours. The business shows no evidence of AI/ML capability development, no recent geographic expansion beyond PL-UK, and limited public financial disclosure, pointing to a small, stable, founder/management-owned remittance franchise rather than a high-growth technology platform.

Name

England

Legal name

Fintecom S.A.

Website

https://england.pl

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

England.pl is a private, Poland-based online money transfer service operating in the Poland-UK remittance corridor, serving Polish diaspora individuals and business clients with fast PLN-GBP transfers under dual KNF and FCA regulatory supervision.

Ownership category

akta.pro rank

Product category

International Money Transfer and Remittance

akta.pro primary industry

Consumer Remittances (P2P) (FSAMAIAA)

akta.pro secondary industry

Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE)

Keywords

• International money transfer
• Currency exchange services
• Cross-border remittances
• GBP PLN transfers
• Business payment services

Headquarters

HQ city

Koszalin

HQ country

Poland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Transfer Fees: Flat transaction fees for money transfers. Transfers to Poland incur a £2 fee, while transfers to UK from Poland cost 10 PLN. Transfers equal to or above 2,000 GBP or 10,000 PLN are processed free of charge.
2. Currency Exchange Spread: Revenue generated through exchange rate margins. The company offers live exchange rates for GBP/PLN conversions with preferential rates available for business clients and larger transfer amounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

England.pl operates a regulated online money transfer and currency exchange service specialized in cross-border transfers between Poland and the United Kingdom. The platform enables individual consumers and businesses to send GBP/PLN transfers with delivery typically within one hour, supporting multiple payment methods including bank transfers, BLIK, and e-przelew, with a fixed flat-fee pricing model and free transfers above defined thresholds.

Product overview

England.pl is a dual-platform money transfer service operated by Fintecom S.A. (Poland) and Fintecom Limited (UK), offering three core products: Transfers to Poland, Transfers to the UK, and Business Transfers. The service enables fast international money transfers between the UK and Poland with a fixed fee structure, processing transfers within approximately 1 hour. The Business Transfers product adds dedicated currency dealer access and preferential exchange rates for corporate clients. The platform integrates multiple payment methods including E-transfer, BLIK, and major credit/debit cards, with order processing available from 7:00 AM to 9:00 PM on weekdays.

Differentiator

Problem solved

Functional benefit

Products and services

• Transfers to Poland (Przelewy do Polski) Fast money transfer service enabling users to send funds from the United Kingdom to Poland, with delivery to recipient accounts within approximately 1 hour and a fixed fee of £2. Free for amounts of 2,000 GBP and above. Available Monday-Friday 7:00-21:00.
• Transfers to the United Kingdom (Przelewy do Anglii) Fast money transfer service enabling users to send funds from Poland to the United Kingdom (England, Scotland, and Northern Ireland), with delivery to recipient accounts within approximately 1 hour. £10 fee waived for amounts of £10,000 or more.
• Business Transfers (Przelewy dla biznesu) Business-oriented money transfer service with dedicated currency dealer, preferential live GBP/PLN exchange rates, free transfers from 2,000 GBP/10,000 PLN, and platform access for corporate clients transferring between UK and Poland.
• Currency Dealer (Dealer walutowy) Dedicated currency dealer service for negotiating GBP exchange rates, available Monday to Friday 08:00-16:00 Polish time, with contact via phone, email, or GG messenger. Targeted at business clients seeking personalized FX support.

Quantifiable outcome

• Transfer to recipient within 1 hour
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Frost Money LtdcoreOEM/ Whitelabel/ Licensing PartnerFrost Money Ltd is an Electronic Money Institution authorized by FCA (FRN 1020783) that issues electronic money and provides the UK banking infrastructure for England.pl's money transfer services. Client funds are safeguarded in UK- or EEA-authorized credit institutions.
• Keel Money LtdcoreOEM/ Whitelabel/ Licensing PartnerKeel Money Ltd is an Electronic Money Institution authorized by FCA providing electronic money services in the UK. Frost Money Ltd and Keel Money Ltd operate as sister entities under FCA authorization for England.pl operations.
• UK Banks (Santander, PKO, mBank, BNP Paribas, Credit Agricole, etc.)coreTechnology or IntegrationPartnership with major Polish and UK banks to facilitate seamless money transfers. England.pl transfers funds to any bank account in Poland or UK through these banking partnerships.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Emerging players

• Remitly: Digital remittance app focused on migrant corridors including UK → Poland. Targets the same Polish diaspora customer segment with a mobile-first experience, making it a direct emerging competitor to England.pl.
• WorldRemit: Digital cross-border money transfer platform supporting send/receive between UK and Poland. Competes in the same corridor with a digital-only model similar in spirit to England.pl's online-only distribution.
• Papaya Global (formerly Azimo): Global payroll and payments platform that acquired Azimo, a digital remittance provider with strong UK–Europe corridor coverage. Competes with England.pl in digital cross-border transfers to Poland.

Broad incumbents

• Western Union: Global money-transfer incumbent with extensive UK–Poland cash payout and bank-deposit corridors. Overlaps with England.pl's consumer remittance value proposition, though Western Union's distribution and brand scale are vastly larger.
• OFX: International money transfer and FX specialist serving both individuals and businesses with cross-border payments including GBP/PLN. Comparable to England.pl's B2B currency dealer offering.
• Wise (formerly TransferWise): Global cross-border payments and multi-currency platform with deep coverage of the GBP/PLN corridor at near-mid-market rates. A much larger, app-led competitor targeting the same Polish diaspora and SME remittance customers.
• MoneyGram: Global remittance network with established UK–Poland routes. Overlaps with England.pl on consumer cross-border transfers, particularly for diaspora customers preferring established brands.
• Revolut: UK-based digital banking super-app with international transfers and currency exchange covering PLN/GBP. Operates as a broad incumbent with mobile-first UX that overlaps with England.pl's retail and business FX use cases.

Direct peers

• Currencies Direct: Specialist FX and international payments provider with strong presence in the UK–Poland corridor serving both retail and business clients. Direct overlap with England.pl on PLN/GBP transfers and B2B currency dealer services.

Regional players

• Small World Financial Services: European-focused remittance and FX provider historically strong in sending money from the UK to Poland and other CEE countries. Closely comparable specialist-corridor model to England.pl.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/england_pl
• Facebookfacebook.com/www.England.pl.Szybkie.Przelewy
• LinkedInlinkedin.com/company/england-pl-ltd---currency-exchange

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about England