M1 Money Limited

Reference number: 950261

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • M1 Money Limited (FRN 950261) is an AR of LIQUID COMPLETE LTD (FRN 685425). When you use M1 Money's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from M1 Money, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

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.

Company details

From the company's Companies House record.

Company number
13305758
Company status
Active
Company type
Private limited company
Incorporated
31 March 2021 (5 years old)
Registered office
Phoenix House, 2 Huddersfield Road, Stalybridge, SK15 2QA, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Current directors and secretaries

Name Role Born Appointed
John Squires Director Sep 1980 27 May 2021
Stuart Neil Marshall Director Jul 1974 7 Feb 2025

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through LIQUID COMPLETE LTD, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

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 M1 Money Limited FCA authorised?
M1 Money Limited (FRN 950261) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for M1 Money?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. M1 Money Limited (FRN 950261) is an AR of LIQUID COMPLETE LTD (FRN 685425). When you use M1 Money's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from M1 Money, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with M1 Money?
Protection works through LIQUID COMPLETE LTD, the principal firm responsible for M1 Money's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is M1 Money a scam or clone?
M1 Money 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 M1 Money's Firm Reference Number (FRN)?
M1 Money's FRN is 950261. You can verify it on the FCA register.