Are there published warnings or unauthorised-firm alerts naming this entity or a clone?
Answered for 3 of 6 firms. Regulator warning list
A register search for this firm's name returns 1 entr(ies) flagged as unauthorised, including firms the register identifies as clones: "Hargreaves Lansdown (clone of an FCA authorised Firm) (Postcode: n/a)" (Unauthorised). These entries concern third parties impersonating the authorised firm, not the authorised firm itself.
Statutory register · Financial Conduct Authority · FCA Register — Common Search, unauthorised entries · Check the source
STARLING BANK LIMITED
VerifiedA register search for this firm's name returns 2 entr(ies) flagged as unauthorised, including firms the register identifies as clones: "Starling Credit (Clone of FCA Authorised Firm) (Postcode: n/a)" (Unauthorised); "starling-bonds.com (Postcode: n/a)" (Unauthorised). These entries concern third parties impersonating the authorised firm, not the authorised firm itself.
Statutory register · Financial Conduct Authority · FCA Register — Common Search, unauthorised entries · Check the source
TRADING 212 UK LIMITED
VerifiedA register search for this firm's name returns 2 entr(ies) flagged as unauthorised, including firms the register identifies as clones: "Trading212pro / Tradingpro212 (clone of FCA authorised firm) (Postcode: n/a)" (Unauthorised); "TRADING212 (clone of authorised firm) (Postcode: na)" (Unauthorised). These entries concern third parties impersonating the authorised firm, not the authorised firm itself.
Statutory register · Financial Conduct Authority · FCA Register — Common Search, unauthorised entries · Check the source
FREETRADE LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
MONZO BANK LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
WISE PAYMENTS LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
Every firm here was asked the same question against the same published standard, and every answer quotes the passage it came from. Where the answers differ, the difference is in the firms’ own documents, not in how we read them.
Darker text marks stronger evidence. A statutory register prints at full strength; a firm’s own marketing prints lighter. The methodology sets out the weightings.