Access Fertility Limited

Reference number: 1059979

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

What the FCA says

Deferred Payment Credit (Buy Now Pay Later) - temporary permission

This firm has temporary permission to provide Deferred Payment Credit (Buy Now Pay Later) agreements. This means it’s considered authorised by the FCA, but it hasn't been assessed against the standards required for full authorisation. The firm still has to follow our rules and guidance, and if consumers have a complaint about a Buy Now Pay Later agreement, they can contact the Financial Ombudsman Service if they’re not happy with the response they get from the firm.

  • This firm is operating under temporary permission while it seeks full UK authorisation. What it is permitted to do could change.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.

    How safeguarding works →

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
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  • Entering into regulated deferred payment credit agreements as lender
  • Exercising, or having the right to exercise, the lender’s rights and duties under regulated deferred payment credit agreements

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Access Fertility Limited FCA authorised?
Yes, Access Fertility Limited (FRN 1059979) is authorised by the FCA to carry out regulated activities.
Is my money safe with Access Fertility?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Access Fertility to the Financial Ombudsman Service, free of charge.
Is Access Fertility a scam or clone?
Access Fertility is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Access Fertility's Firm Reference Number (FRN)?
Access Fertility's FRN is 1059979. You can verify it on the FCA register.