Safety of Your Funds

Regency FX only partner with tier one banking partners for both liquidity and the safeguarding of client funds.

All client funds are held within safeguarded protected accounts.

What is a client safeguarded account?

The primary objective of a safeguarding account is to ensure the security of clients' funds by segregating them and preventing any unauthorized third-party access.

Obtaining a safeguarding account is mandatory to obtain a license as an Electronic Money Institution or a Payment Institution, and it also provides peace of mind for clients.

Payment Institutions and Electronic Money Institutions must segregate relevant funds from payment service users as soon as they receive them and keep them separate from all other funds they hold. If any funds are still in their possession at the end of the business day following the deposit, they must be transferred to a safeguarding account that is also kept separate from other funds.

The main goal of this requirement is to protect consumers' funds and make sure they can be returned promptly if needed.

Payment services for Regency FX Ltd are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: The Steward Building 1st Floor, 12 Steward Street London E1 6FQ.

The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

In the US Currency Cloud operates in partnership with CFSB. CFSB fully owns the bank program and services are provided by The Currency Cloud Inc.

Payment services for Regency FX Ltd are provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB).

License No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951


All network traffic is encrypted at a transport level and confidential information is encrypted at rest. We use best practices in terms of encryption key storage and security.

Strong access control

Our platform provides a role based, hierarchical security model with two-step authentication and multi-factor authentication for sensitive systems. All access is logged and audited for suspicious behaviour.