If someone calling themselves Finalto has contacted you, stop and check which one. The Financial Conduct Authority has published five separate warnings about firms using that name. Five of them are fake. One is not.
What the regulator actually published
Between November 2023 and October 2024 the FCA issued five clone warnings naming variations of Finalto. A clone warning means fraudsters have taken the identity of a firm the FCA authorises and are using it to approach the public.
| Clone | FCA warning | Firm it copied |
|---|---|---|
| Finalto Pro / finalto.pro | 10 Nov 2023 | FRN 481853 |
| Finaltos / finaltobs.com | 16 Jan 2024 (updated 19 May 2025) | FRN 481853 |
| Finalto Ltd / finaltoltd.com / finaltoltd.co | 6 Feb 2024 | FRN 607305 and 481853 |
| Finalto Proton | 1 Mar 2024 | FRN 607305 |
| finaltoglobal.com | 10 Oct 2024 | FRN 481853 |
All five domains are now dead. Checked on 10 September 2026: finaltoltd.com, finaltoltd.co, finalto.pro, finaltobs.com and finaltoglobal.com return no DNS record at all. The only Finalto domain still resolving is finalto.com, the authorised firm. Clone sites are disposable – the operation moves on, and the FCA warning outlives the website that prompted it.
The FCA’s wording is the same each time: “This firm is not authorised by us but has been contacting people pretending to be an authorised firm.” Deal with any of them and you have no access to the Financial Ombudsman Service and no cover from the Financial Services Compensation Scheme. If the money goes, it is gone.
The detail that shows how deliberate this is
The genuine firm’s telephone number, as listed on the FCA register, is +44 20 3455 8751.
The clone operating as Finaltos gave two numbers: 020 3455 8741 and 020 3455 8766.
One digit. Anyone checking a number against the register in a hurry — glancing rather than reading — passes it. That is the entire design. The clone behind finaltoltd.com went further and ran roughly a dozen separate email addresses on its domain, so that a “compliance” address, a “support” address and an “accounts” address could all answer and make one operation look like a company with departments.
Why this name
Being FCA-authorised is not a compliment and it is not a review. It means a firm is registered, supervised and carries a reference number. That is precisely what makes the name worth stealing. Clone fraud does not target obscure businesses — it targets names that survive a search, because the victim’s own diligence is the weapon being used against them.
Someone checks the name, finds a real regulated firm in London with a Broadgate Tower address, and concludes the caller is genuine. The check they performed was the wrong one: they confirmed that Finalto exists, not that the person contacting them was Finalto.
How to check properly, in two minutes
- Get the firm reference number and look it up yourself on the FCA register at register.fca.org.uk. Do not use a link or number the caller sent you — clones supply their own.
- Call the number listed on the register, not the one in the email. If the person you were speaking to is genuine, that number reaches them.
- Read the domain character by character. finaltoltd.com, finaltobs.com, finalto.pro and finaltoglobal.com are all fake. Slow reading is the whole defence.
- Treat an authorisation claim as a question, not an answer. Anyone can type an FRN into a website.
Verified evidence — checked 10 September 2026
- Five FCA clone warnings published between 10 Nov 2023 and 10 Oct 2024 naming Finalto variants.
- Clone domains named by the FCA: finalto.pro, finaltobs.com, finaltoltd.com, finaltoltd.co, finaltoglobal.com; plus “Finalto Proton”.
- Authorised firms being impersonated: Finalto Trading Limited (FRN 607305) and Finalto Financial Services Limited (FRN 481853), both at 11th Floor, Broadgate Tower, 20 Primrose Street, London EC2A 2EW.
- Register telephone for the authorised firm: +44 20 3455 8751. Clone numbers: 020 3455 8741 and 020 3455 8766.
- Source: FCA warning notices, read directly at fca.org.uk.
The method is not unique to this name. A clone of Five Rings Capital LLP answered on an Aberdeen number while claiming a City of London office. And an abandoned domain does not always stay empty — Capital Traders Market’s old address now forwards to an online casino.
Our verdict
Five clones of one name in eleven months is not opportunism, it is a production line. Whoever is running it registers a new domain each time the last one is burned, and the FCA warning always arrives after the money has moved.
If you were contacted by “Finalto” and the domain was not finalto.com, you were not talking to the authorised firm. Check the FRN on the register yourself, and if you have already sent money, tell your bank today and report it — the sooner the transfer is flagged, the more chance there is of stopping it.
Sources: FCA warning notices for Finalto Pro (10 Nov 2023), Finaltos (16 Jan 2024, updated 19 May 2025), Finalto Ltd (6 Feb 2024), Finalto Proton (1 Mar 2024) and finaltoglobal.com (10 Oct 2024); FCA Financial Services Register entries FRN 607305 and FRN 481853. All read directly at fca.org.uk on 10 September 2026.
