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Clear out junk files and repair common Windows errorsFree Scan →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Repair Windows errors before they cause bigger problemsFix Now →The Financial Conduct Authority (FCA) has warned about Finvoire, an unauthorised operation pretending to be connected with the genuine eToro business. The warning was first published and last updated on 5 March 2026.
Finvoire has been associated with finvoire.com and [email protected]. The FCA says it is a clone firm: an operation using the identity or regulatory details of a legitimate business to make a fraudulent approach appear credible.
This is not an FCA warning that genuine eToro is unauthorised. The regulator is warning about specific entities impersonating ETORO (UK) LIMITED.
What the FCA says about Finvoire
The FCA says Finvoire is not authorised or registered and has been contacting people while pretending to be an authorised firm. The warning identifies the following details:
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| Detail | Information in the FCA warning |
|---|---|
| Clone name | Finvoire (Clone of FCA Authorised firm) |
| Website | finvoire.com |
[email protected] |
|
| Warning date | 5 March 2026 |
These details should not be treated as a complete blacklist. The FCA cautions that fraudsters can use other email addresses, telephone numbers, postal addresses and Firm Reference Numbers, and may change those details over time.
The FCA’s full notice is available in its Finvoire clone-firm warning.
Which eToro firm was impersonated?
The clone claimed links to ETORO (UK) LIMITED, which the FCA warning identifies as the genuine firm:
| Genuine firm detail | FCA-listed information |
|---|---|
| Firm | ETORO (UK) LIMITED |
| FCA Firm Reference Number | 583263 |
| Address | 24th Floor, One Canada Square, Canary Wharf, London, E14 5AB, United Kingdom |
| Telephone | +4402045251189 |
[email protected] |
|
| Website | www.etoro.com |
The FCA explicitly says the genuine firm has no connection with Finvoire. A clone can copy genuine information, including a company name, address or FRN. Seeing those details in an email, on a website or in an investment proposal does not prove that the person contacting you works for the authorised firm.
Earlier FCA warnings involving eToro details
Finvoire is not the first operation to misuse the identity or regulatory details of ETORO (UK) LIMITED. The FCA has issued several separate warnings:
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| Clone named in warning | Warning date | Details listed by the FCA |
|---|---|---|
| Etoro SB Limited | 26 May 2022 | www.etorosb.com; [email protected] |
| Expotoro / Tratoro / PayBack Toro | 20 June 2023; updated 17 November 2023 | expotoro.com; pbtoro.com; +442030973333; [email protected]; [email protected] |
| AI -Arbitrage | 8 August 2025 | https://spoorflux.com/#form |
| Finvoire | 5 March 2026 | finvoire.com; [email protected] |
Each warning concerns a separate unauthorised operation. They do not establish that the genuine eToro business is a clone or that www.etoro.com is unauthorised.
How an eToro clone scam works
A clone firm attempts to borrow trust from a real financial business. It may:
- use the genuine firm’s name and registered address;
- copy or reproduce the genuine firm’s FCA Firm Reference Number;
- imitate the real firm’s website or branding;
- make a small change to an email address, telephone number or web domain;
- combine authentic company details with false contact information; or
- claim that an employee, adviser or “recovery” specialist is connected with the authorised firm.
That is why a matching FRN is not enough. The important question is whether the exact person, website, email address and telephone number contacting you match the FCA’s own record for the relevant service.
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How to check whether a contact is genuine
- Open the FCA’s clone-firms guidance and use the FCA Firm Checker.
- Search for the firm by name, such as “ETORO (UK) LIMITED”. Do not rely on a link supplied by the person who contacted you.
- Select the relevant product or service. Authorisation for one activity does not automatically mean permission for every financial service.
- Check that the firm is authorised and has permission for the service being offered.
- Compare the Firm Checker’s telephone number, email address, website and other contact details with the details in the message or on the website.
- If they do not match, stop communicating through the supplied details. Use only contact information displayed in the FCA record or independently verified through the genuine firm.
Do not send identity documents, remote-access codes, card details, online-banking credentials or money while verification is incomplete.
Do not use the Warning List as the only check
You can search the FCA’s Warning List using the Search our Warning List section, the Search for names of firms field and the Search button. The list can also be filtered by the first letter and sorted by the Name column.
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A positive match is a clear reason not to deal with the firm. However, no result is not a clean bill of health. The FCA adds firms to the list as soon as possible, but an unauthorised operation may change its name or disappear before it is identified.
Use the Warning List as an additional warning check. Confirm authorisation, relevant permissions and contact details through the FCA Firm Checker.
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What protection is lost when dealing with a clone?
Because a clone is unauthorised, a victim generally cannot rely on the protections that would apply when dealing with the genuine authorised firm. The FCA says people dealing with Finvoire will not have access to the Financial Ombudsman Service for a complaint against that unauthorised firm, and will not have Financial Services Compensation Scheme (FSCS) protection if it fails.
The fact that a clone displays eToro’s name, address or FRN does not transfer those protections to the clone. The FCA warns that recovering money may be unlikely if the unauthorised operation goes out of business.
Could a bank transfer be reimbursed?
Some victims may have a separate route to reimbursement under the Payment Systems Regulator’s rules for qualifying Authorised Push Payment (APP) fraud. These rules apply to qualifying payments made through Faster Payments or CHAPS on or after 7 October 2024, where the victim was tricked into authorising the transfer.
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They do not guarantee reimbursement for every loss involving a clone firm. The PSR says:
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- claims should generally be reported within 13 months of the fraudulent payment;
- reimbursement is normally expected within five business days, although a limited “stop the clock” process may apply;
- the standard maximum reimbursement is £85,000 per claim;
- a payment firm may apply an excess of up to £100, subject to the rules; and
- the excess cannot be applied to vulnerable consumers.
The rules do not cover cases where the consumer was themselves party to the fraud or dishonesty. The PSR’s APP fraud guidance explains the eligibility rules.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What to do if you have already paid
- Call your bank immediately. Use the number on your card, statement or the bank’s official website—not a number supplied by the suspected scammer.
- Say that you believe you are the victim of APP fraud and ask the bank to investigate the transfer and explain the reimbursement process.
- Stop further payments. Do not pay a supposed tax, withdrawal charge, verification fee or recovery fee to release money.
- Preserve evidence. Save emails, chat messages, phone numbers, website addresses, payment confirmations, account details and screenshots.
- Report the suspected clone to the FCA by calling 0800 111 6768 or using its online contact form.
If you disclosed passwords or allowed remote access, change affected passwords, enable multi-factor authentication where available and tell your bank or other affected providers.
FAQ
Has the FCA banned or warned against genuine eToro?
No. The warnings concern specific unauthorised clone operations that misused the name or details of ETORO (UK) LIMITED. They do not say that the genuine eToro business is a clone or unauthorised.
Is Finvoire authorised by the FCA?
No. The FCA’s warning published and updated on 5 March 2026 says Finvoire is not authorised or registered and has been pretending to be an authorised firm.
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Is an FCA Firm Reference Number proof that a caller is genuine?
No. Clone firms can copy a genuine FRN. Check the firm in the FCA Firm Checker and compare the exact contact details, website and permitted service with the person contacting you.
What if Finvoire is not on the FCA Warning List?
That does not prove Finvoire or any other firm is legitimate. Firms can change names before the FCA identifies them. Check authorisation, permissions and contact details in the FCA Firm Checker.
Can I get my money back after an eToro clone scam?
Contact your bank immediately. If the payment was a qualifying APP-fraud transfer through Faster Payments or CHAPS on or after 7 October 2024, the PSR reimbursement rules may apply, but eligibility is not automatic.
The Bottom Line
Finvoire is the latest eToro-related clone named in an FCA warning. Do not treat the eToro name, a copied FRN or a familiar-looking website as proof of legitimacy. Verify the firm and its exact contact details through the FCA Firm Checker, and contact your bank immediately if you have transferred money.
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