Is Pepperstone a Scam? Regulation Check 2026
We checked Pepperstone's licence in the official FCA register. Here is what the public records say.
Verdict
Pepperstone is NOT a scam. It holds FCA licence 684312, authorising it to offer trading services in United Kingdom.
How to verify on the official register
| Regulator | FCA FCA Financial Conduct Authority (FCA) |
| Licence Number | 684312 |
| Regulated Entity | Pepperstone Ltd |
| Founded | 2010 |
What FCA regulation means
FCA-regulated brokers must keep client funds in segregated accounts, provide negative balance protection, and submit to independent audits. Clients can file complaints with FCA directly.
What FCA regulation means for your money
- Client funds held in segregated bank accounts, separate from Pepperstone's own capital
- Negative balance protection — you cannot lose more than your deposit
- Right to file complaints directly with FCA if Pepperstone fails to resolve your issue
- Pepperstone submits to regular independent financial audits under FCA oversight
Frequently Asked Questions
Is Pepperstone a scam or legitimate?
Pepperstone is NOT a scam. It holds FCA licence number 684312. FCA is one of the world's most respected financial regulators. The licence is publicly verifiable in the FCA official register.
How do I check Pepperstone's FCA licence?
Go to the official FCA website and use the public register search. Search for licence number 684312 or the entity name. The record will confirm Pepperstone's authorisation status and the scope of its permissions.
Are my funds safe with Pepperstone?
As an FCA-regulated broker, Pepperstone must keep all client funds in segregated bank accounts, completely separate from company funds. This protects your deposits even if Pepperstone encounters financial difficulties.
What protection do I have as a Pepperstone client in United Kingdom?
In United Kingdom, Pepperstone operates under FCA supervision. You are entitled to: segregated client funds, negative balance protection (you cannot lose more than you deposit), and the right to file complaints directly with FCA.
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