Talk Money Limited

Reference number: 226700

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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.

Responsible principal firm

Best Practice IFA Group Limited Reference number: 223112 Authorised View firm →
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.
  • Talk Money Limited (FRN 226700) is an AR of Best Practice IFA Group Limited (FRN 223112). When you use Talk Money's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Talk 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
05288538
Company status
Active
Company type
Private limited company
Incorporated
16 November 2004 (21 years old)
Registered office
Saxon House John Roberts Business Park, Pean Hill, Whitstable, Kent, CT5 3BJ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Claire Elizabeth Cook Director Sep 1967 16 Nov 2004

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Best Practice IFA Group Limited, 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.

Previously registered as

The FCA register holds 2 earlier registered names for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Talk IFA
  • Talk Money Ltd

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Common questions

Frequently asked questions

Is Talk Money Limited FCA authorised?
Talk Money Limited (FRN 226700) 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 Talk 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. Talk Money Limited (FRN 226700) is an AR of Best Practice IFA Group Limited (FRN 223112). When you use Talk Money's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Talk 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 Talk Money?
Protection works through Best Practice IFA Group Limited, the principal firm responsible for Talk Money's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Talk Money a scam or clone?
Talk 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 Talk Money's Firm Reference Number (FRN)?
Talk Money's FRN is 226700. You can verify it on the FCA register.