FINANCE AND CURRENCY LIMITED

Finance and Currency Limited presents itself as a UK-registered investment firm, established on 13 October 2021. The company lists its registered address at Tower 42, a prominent London landmark. However, despite its UK incorporation, the firm does not hold any regulatory licence from the Financial Conduct Authority (FCA) or any other recognised financial regulator. This absence is a critical point for any trader assessing the safety of their funds.

Our review found that the broker’s official domain, financeandcurrencylimmited.com (note the deliberate misspelling of 'limited'), offers a range of account tiers with substantial minimum deposits, from €250 for the entry-level 'Newcomer Portfolio' up to €100,000 for the 'Black VIP Portfolio'. The advertised maximum leverage is not disclosed for any account type, which is unusual for a retail forex brokerage.

Finance and Currency Limited is not regulated by the FCA, nor by any other major financial authority such as CySEC, ASIC, or the FSCA. This means that traders are not protected by any investor compensation schemes, nor are they entitled to dispute resolution through an independent ombudsman. The company's registration at Companies House in the UK merely confirms its legal existence as a limited company; it does not authorise the firm to offer financial services to retail clients.

In FXCanary’s assessment, the lack of regulation is the single most significant risk factor. Without regulatory oversight, there is no requirement for segregation of client funds, no compulsory reporting, and no external audit. Traders should be aware that operating with an unregulated broker exposes them to heightened risk of misconduct or even fraud.

The broker offers six distinct portfolio tiers, each requiring a significant minimum investment. The 'Newcomer Portfolio' starts at €250, the 'Silver Portfolio' at €2,000, the 'Investor Portfolio' at €5,000, the 'Premium Portfolio' at €10,000, the 'Golden Portfolio' at €50,000, and the 'Black VIP Portfolio' at €100,000. Such high entry points suggest the broker is targeting affluent or sophisticated investors rather than casual retail traders.

The maximum leverage is not published for any account tier. This omission is concerning because leverage is a standard metric in retail forex trading; the absence of disclosure may indicate that the broker does not offer leverage, or that it operates on a different model, possibly as a managed account service. Without leverage, the promised returns would likely be lower, yet the high minimum deposits imply a focus on capital preservation or slow growth.

Finance and Currency Limited appears to position itself as an investment management firm rather than a traditional forex broker. The account names (Newcomer, Silver, Gold, etc.) mirror common naming conventions in the asset management industry. However, the official domain is not fully described in the known facts, and our independent research could not verify the specific instruments offered. The 'Instruments' field is blank, leaving ambiguity whether the broker trades forex, CFDs, stocks, or other assets.

Given the lack of regulatory status and the opaque product offering, the broker is likely unsuitable for most retail traders. The firm may be aiming at high-net-worth individuals who seek a discretionary managed account service, albeit without the protections afforded by regulated entities.

Finance and Currency Limited is a UK-registered but unregulated entity that offers high-minimum investment portfolios. The complete absence of regulatory oversight, combined with undisclosed leverage and instruments, creates a high-risk environment. Traders who prioritise fund security should exercise extreme caution or avoid this broker entirely. FXCanary’s guarded risk score of 49/100 reflects the opacity and regulatory vacuum surrounding this firm.