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Verify regulatory status

Check the broker holds proper authorisation from the relevant regulator. In the UK, firms must be authorised or registered by the FCA. Use the Firm Checker to confirm permission for your required services. Avoid unauthorised firms.

Sources: [1]

Check compensation access

Authorised firms with correct permissions give you FSCS protection and Financial Ombudsman access if things go wrong. Unauthorised firms offer neither. Check the FS Register for revoked status before dealing with any firm.

Sources: [1]

Review CFD leverage risks

Forex CFDs use leverage, so losses are based on full position value, not just margin. Most retail CFD traders lose money. Australian retail clients have negative balance protection; overseas providers may not.

Sources: [2]

Examine issuer terms

Read the product disclosure statement and terms and conditions. Check fees including spreads and overnight charges. Verify AFS licences through ASIC's register. Overseas providers without Australian licensing remove your AFCA dispute resolution access.

Sources: [2]

Confirm client classification

Check whether you will be retail or wholesale. Wholesale classification removes negative balance protection, margin close-out rules, and external dispute resolution. You may owe money beyond your account balance.

Sources: [2]

Sources

  1. FCA: checking an investment firm ↗
  2. ASIC Moneysmart: contracts for difference ↗

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