Apex Finance presents itself as a UK-based financial firm using the name apexfinance.uk and provides contact details that appear to be located in Liverpool. It appears on the FCA warning list because it is not authorised by the FCA and may be offering or promoting financial services without permission.
Apex Finance is on the FCA Warning List because it is not authorised to provide regulated financial services in the UK. The regulator flagged multiple indicators: use of unverified websites and domains, inconsistent contact details, and behaviour consistent with firms operating without permission. The FCA warns that unauthorised firms often target UK consumers with high-pressure sales tactics, misleading promotional material, and promises of large returns without proper disclosure. Reports collected by consumer forums and complaint trackers suggest patterns that match how Apex Finance scams investors in 2025, including requests to move money via non-standard payment methods and denial of withdrawal requests. In short: lack of FCA authorisation, multiple web domains, suspicious contact info, and negative user reports are the core reasons Apex Finance appears on the list.
Unauthorized This firm may be providing or promoting financial services or products without our permission. You should avoid dealing with this firm and beware of scams. Almost all firms and individuals must be authorised or registered by us to carry out or promote financial services in the UK. This firm is not authorised by us and may be targeting people in the UK. Some firms may give incorrect contact details including postal addresses, telephone numbers and email addresses. They may change these contact details over time. They may also give you details that belong to another business or individual, so the information looks genuine. If you deal with this firm, you won’t have access to the Financial Ombudsman Service if you want to complain. You also won’t be protected by the Financial Services Compensation Scheme (FSCS) if things go wrong. This means it’s unlikely you’d get your money back if the firm goes out of business. If you sent money to a fraudster on or after 7 October 2024, you may be covered by protections introduced by the Payment Systems Regulator (PSR). Find out what to do if you’ve been tricked into making a payment to a scam account.
What is Apex Finance?
Apex Finance markets itself as an online trading firm and investment broker with multiple websites and contact addresses. The public facing sites and emails suggest it offers trading accounts, investment services and client support, but the FCA has never authorised the firm to offer regulated services in the UK. Because of that, Apex Finance is listed as an unauthorised firm and flagged as high risk for UK consumers. For readers wondering how Apex Finance scams investors in 2025, common patterns include pressure to deposit quickly, promises of guaranteed returns, and requests to move funds to non-regulated accounts.
User Experiences & Complaints
Many online comments, feedback and testimonials flagged by reviewers describe blocked withdrawals, poor or non-existent customer support, and sudden account closures. User opinions and customer stories vary, but recurring themes include aggressive cold calls, fake account managers, and confusing website details. Search phrases like user experiences with Apex Finance unauthorised broker and Apex Finance FCA Warning and complaints often turn up forum posts where people share screenshots of emails and payment requests. If you read ratings or testimonials, watch for fake reviews or copied text; some complaints describe identical wording across different review sites, a common red flag. This description combines official FCA concerns and real-world feedback. For quick reference, see the unauthorised firm details and contact list in the warnings section below.
You should only deal with financial firms that are authorised by us. If a financial firm is authorised by us, it gives you greater protection if things go wrong. You can use the FCA Firm Checker to make sure a financial firm is authorised by us and has our permission to provide the services you’re looking for. You’ll also be able to find information on how you’re protected and contact details for authorised firms. If you’re contacted unexpectedly by a financial business, make sure you reply using the contact details on the Firm Checker. Find out more about how to protect yourself from scams. Stay informed by subscribing to our website, follow updates about scam brokers, check reviews regularly, and always verify licenses before investing.
Apex Finance is a scam broker and you should not trust this broker. The FCA has placed Apex Finance on its Warning List because it is not authorised to provide financial services in the UK and appears to be operating using multiple websites and contact details. This review of Apex Finance in 2025 highlights the risks: no FSCS protection, no access to the Financial Ombudsman Service, and a high chance of fraud or loss if you deal with the firm. Avoid sending money or personal information to Apex Finance and verify any firm’s authorisation on the FCA Firm Checker before investing.
