Fluid Finance – Financial Conduct Authority Warning
Also known as: Fluid Finance
Summary
Scam Snapshot
| Website URL | https://fluidfinance.uk/ |
|---|---|
| Known Email | [email protected] |
Contents
Filed under: Financial Institution Clone
Full Analysis
What Is This Scam?
Fluid Finance is an unregistered and unlicensed financial services firm operating under the commercial name Fluid Finance. This entity is illegally offering financial products or services to UK consumers without the proper authorisation and regulatory oversight required by law. Unauthorised financial services firms operate outside consumer protection frameworks and are not bound by regulatory standards that protect investors and borrowers.
Regulatory Warning
The Financial Conduct Authority (FCA), the primary financial regulator in the United Kingdom, has issued a public warning against Fluid Finance. The alert was published on 4 February 2026 and can be found on the FCA's official warnings register. The FCA's warning confirms that this entity is not authorised to conduct regulated financial activities in the UK and advises consumers to avoid dealing with them entirely.
Digital Footprint
Fluid Finance operates primarily through the website fluidfinance.uk and can be contacted via the email address [email protected]. According to domain registration records, the fluidfinance.uk domain was registered on 24 July 2025 through the registrar Ionos SE (also known as 1AND1). The domain is less than one year old, which is a significant red flag for potential scam operations. Fraudsters typically use newly registered domains to avoid detection and to quickly abandon their operations when regulatory pressure increases. The very recent registration of this domain, combined with the FCA's warning, strongly suggests this is a fraudulent venture designed to deceive consumers.
Red Flags
- Unregistered and unlicensed to conduct financial services in the United Kingdom
- Domain registered recently (July 2025), less than one year old
- Publicly warned against by the Financial Conduct Authority
- Operating without proper authorisation or regulatory oversight
- Communication via generic business email address
- No verifiable business credentials or regulatory licence numbers
What To Do If You Have Been Contacted
If you have been approached by Fluid Finance or have already engaged with this firm, take immediate action to protect yourself. Do not send any money to this organisation and do not provide personal or financial information. If you have already provided sensitive information such as bank details, identity documents, or passport information, contact your bank and relevant authorities immediately to report the potential fraud and monitor your accounts for unauthorised activity. Report the scam to the FCA by visiting their website or calling their consumer hotline. You should also report the matter to Action Fraud, the UK's national fraud reporting service, and to your local police force. Keep all communications from this firm as evidence for your report.