How we keep your money safe: safeguarding, KYC and fraud checks

FTFT Finance UK Ltd is authorised by the Financial Conduct Authority under the Payment Services Regulations, FRN 805666. Authorisation brings ongoing requirements covering how we hold customer funds, how we verify customers, how we monitor transactions, and how we handle complaints.

Money you send us for a transfer is not our money. Relevant funds are safeguarded in line with our regulatory obligations and kept separate from our own operating funds, so they remain identifiable as customer money while a payment is in flight. Our Safeguarding of Client Funds policy sets out the detail.

We verify identity before a first transfer and may ask for documents or the purpose of a payment later on. These checks are required by anti-money-laundering rules, and they also stop money moving to the wrong place.

• Identity and sanctions screening at onboarding and on an ongoing basis.
• Transaction monitoring for patterns consistent with fraud or scams.
• Session and device signals used to detect account takeover attempts.

Raise a complaint with us first — our Complaints policy explains the process and timescales. If you are not satisfied with our final response, eligible complainants may refer the matter to the Financial Ombudsman Service.