Zen Financial Limited

Reference number: 773613

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Scammers have impersonated this firm. The FCA has published 1 warning naming the fake phone numbers, emails and websites they used. See the warnings →

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

KEYSTONE FINANCIAL LIMITED Reference number: 501917 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.
  • Zen Financial Limited (FRN 773613) is an AR of KEYSTONE FINANCIAL LIMITED (FRN 501917). When you use Zen Financial's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Zen Financial, 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
09663856
Company status
Active
Company type
Private limited company
Incorporated
30 June 2015 (11 years old)
Registered office
20 First Floor, Swan Building, 20 Swan Street, Manchester, M4 5JW, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Michael William Pendergast Director Jul 1967 30 Jun 2015

Check on the FCA register → Report a scam →

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake email addresses (1)
  • info@zencap.net
Fake websites (1)
  • zencap.net
The FCA warning these came from

Scammers change these details often. Always check the live FCA warning.

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through KEYSTONE FINANCIAL 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.

The clone warnings above are scammers using this firm's name, not something the firm has done.

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Common questions

Frequently asked questions

Is Zen Financial Limited FCA authorised?
Zen Financial Limited (FRN 773613) 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 Zen Financial?
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. Zen Financial Limited (FRN 773613) is an AR of KEYSTONE FINANCIAL LIMITED (FRN 501917). When you use Zen Financial's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Zen Financial, 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 Zen Financial?
Protection works through KEYSTONE FINANCIAL LIMITED, the principal firm responsible for Zen Financial's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Zen Financial a scam or clone?
Zen Financial 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 Zen Financial's Firm Reference Number (FRN)?
Zen Financial's FRN is 773613. You can verify it on the FCA register.