This FXCT Investments review answers the two questions: is it a scam, and can you get your money back?
FXCT Investments is not a legitimate broker. Regulators in the UK, France, and Belgium have warned against it, and it held no licence to offer trading anywhere. Its main website is gone, but a copy on a .net domain is still online as of October 2026.
Warning: FXCT Investments is unlicensed and has been flagged by the FCA (UK), AMF (France), and FSMA (Belgium). Do not send money to anyone using this name. If you already have, contact your bank today.
Key Takeaways
- FXCT Investments was never a regulated broker, and three European regulators have warned the public about it.
- The low advertised deposit was bait. The real accounts started far higher.
- Victims describe money being moved to crypto without consent and a final "closure fee" to release funds.
- The brand is not fully gone. A mirror site still loads, so any new contact under this name is a red flag.
- Card payments give you the best chance of recovery, so speed matters more than anything else.
Is FXCT Investments Legit?
No. FXCT Investments has no licence from any financial regulator, and three regulators have named it in public warnings. The UK's Financial Conduct Authority (FCA) says plainly: "This firm is not authorised by us and is targeting people in the UK."
We checked every FXCT domain on 8 October 2026. The original fxctinvestments.com now redirects to a "domain for sale" page. fxctinvestments2.com, the address on the FCA warning, no longer loads. But fxctinvestments.net still loads, with a Telegram live chat and an "online now" banner. ForexBrokerz linked this .net site to the same operators in June 2022.
FXCT Investments at a Glance
| Detail | Status |
|---|---|
| Regulated | No. No licence from any financial regulator |
| Regulator warnings | AMF (France), FSMA (Belgium), FCA (UK) |
| Stated address | Kingstown, St. Vincent and the Grenadines |
| Named operator | Noga Commerce EOOD, Bulgaria |
| Advertised minimum deposit | $250 (earlier domain) |
| Real minimum deposit | $10,000 (Bronze) to $250,000 (Platinum) |
| Platform | In-house "FXCTTS" (no MT4 or MT5) |
| Payment processor named by victims | CoinDeck (Global DLT Exchange s.r.o., Slovakia) |
| Websites | .com for sale, 2.com offline, .net still live |
| WikiFX score | 1.68 out of 10, "High Potential Risk" |
| WiBestBroker verdict | Scam. Do not deposit |
Which Regulators Warned About FXCT Investments?
Three regulators warned about FXCT Investments between July 2021 and January 2022. Each warning named a different website, which is common when an operation keeps moving domains.
- AMF (France), 29 July 2021: FXCT Investments was added to the AMF blacklist of unauthorised firms and websites, according to its WikiFX listing.
- FSMA (Belgium), by November 2021: the FSMA listed fxctinvestments.com among online trading platforms it "strongly advises against" (FSMA).
- FCA (UK), 11 January 2022: the FCA added FXCT Investments to its warning list, naming fxctinvestments2.com, a Kingstown address and the UK number +44 20 3769 8283. The alert also appears on IOSCO's international I-SCAN database.
A firm on the FCA warning list is outside UK protection. You cannot take a complaint to the Financial Ombudsman Service. You also have no claim on the Financial Services Compensation Scheme (FSCS), which covers up to £85,000 per person when an FCA-authorised investment firm fails.
Who Was Behind FXCT Investments?
FXCT Investments named three different places as home.
- Its website said the operator was Noga Commerce EOOD, a Bulgarian company.
- Its terms named Hungary as the governing jurisdiction.
- Its contact page gave an address in St. Vincent and the Grenadines.
This split is a warning sign on its own. The Financial Services Authority of St. Vincent and the Grenadines has said it does not license or regulate forex brokers, so an SVG address gives a trader no protection. Noga Commerce EOOD had no licence to offer trading in the UK, France or Belgium, which is why regulators there issued warnings. FinTelegram also linked the same company to a second brand, CTL Markets, which has since vanished. You can see how we check claims like these on our How We Review page.
The $250 Bait and the $10,000 Real Minimum
FXCT Investments advertised a $250 minimum deposit on an earlier domain. Its actual account list started at $10,000, or 40 times that figure.
| Account | Minimum deposit |
|---|---|
| Bronze | $10,000 |
| Silver | $25,000 |
| Gold | $50,000 |
| Premium | $100,000 |
| Platinum | $250,000 |
The gap is the scheme. A small first payment builds trust. An "account manager" then explains that real trading only starts at the Bronze level, and pushes for more. By contrast, most regulated retail brokers let you open an account with $200 or less.
How the FXCT Investments Scam Worked
The pattern below comes from victim reports gathered by FinTelegram between November 2021 and May 2022.
- First contact: An account manager calls or messages. One victim dealt with a manager using the stage name "David Malo."
- A small deposit, then a big one: The $250 entry turns into pressure to fund the $10,000 Bronze account.
- Fake progress: Trading runs on FXCT's own platform, FXCTTS. Unlike MT4 or MT5 at a regulated broker, the operator controls every number you see.
- Money moved: In one FinTelegram victim report, the account manager opened crypto accounts at CoinDeck and Jubiter in the victim's name without consent. The money was used to buy crypto, which then left the wallet and disappeared.
- The closure fee: In January 2022, agents began telling clients that the firm's licence would not be renewed. They said deposits and profits would be paid out only after the client paid "thousands of Euros" in closure costs.
FinTelegram's advice to anyone facing step 5 was blunt: "With probability bordering on certainty, you will not see the money already deposited." Paying the fee only adds to the loss.
Is FXCT Investments Still Operating?
Partly. The main site is up for sale, but fxctinvestments.net still loads in October 2026. It shows a Telegram chat and claims "spreads from 0.0 pips." We did not open an account there, and we advise you not to either.
If someone contacts you today as FXCT Investments, an FXCT account manager, or a "recovery agent" for FXCT victims, treat it as a scam. Old brand names are often reused to reach past victims a second time. If you are reading this because of a similar SVG-registered platform, our InvestmentsGlobal review covers a comparable case.
How to Get Your Money Back From FXCT Investments
Your chances depend on how you paid and how fast you act. Work through these steps in order.
- Call your bank or card issuer today: For card payments, ask for a chargeback. Visa and Mastercard set time limits, often around 120 days from the payment, so do not wait.
- Bank transfers inside the UK: If you paid from a UK account to another UK account, ask your bank about the APP scam reimbursement rules. Payments sent abroad or into crypto are not covered.
- Save the evidence: Keep emails, chat logs, screenshots of your account, payment receipts and any names or numbers used.
- Report it: In the UK, call the FCA Consumer Helpline on 0800 111 6768 and file a report with Report Fraud, the service that replaced Action Fraud. In France, contact the AMF. In Belgium, use the FSMA's online contact form.
- Ignore recovery offers: Anyone who contacts you offering to recover your money for an upfront fee is almost certainly running a second scam.
Crypto payments are the toughest to reverse. Report the wallet addresses to the exchange you sent from, as it may be able to flag the receiving account.
How to Check a Broker Before You Deposit
The checks that would have stopped FXCT Investments take five minutes. Search the broker's exact name and website on the regulator's own register, such as the FCA Register in the UK. Then search the regulator's warning list and IOSCO's I-SCAN.
| Protection | FCA-authorised broker | FXCT Investments |
|---|---|---|
| Licence you can check on a register | Yes | No |
| Client money kept separate from company money | Required | No evidence |
| Complaints to the Financial Ombudsman | Yes | No |
| FSCS cover if the firm fails | Up to £85,000 | None |
| Independent trading platform (MT4, MT5) | Common | No, in-house only |
Our step-by-step guide on what to check before your first deposit walks through each check. Our broker regulation guides explain what each licence actually protects.
FXCT Investments Review: Final Verdict
FXCT Investments is a scam. It had no licence, three regulators warned against it, and its actual minimum deposit was 40 times the advertised one. Victims describe money being moved into crypto without consent, and a last "closure fee" to release funds that never came back.
The brand has not fully disappeared, as the .net site shows. The safest rule for this FXCT Investments review is simple: do not send money to anyone using this name, and act fast with your bank if you already have.
Frequently Asked Questions
Is FXCT Investments a scam?
Yes. FXCT Investments operated without a licence from any financial regulator. France's AMF blacklisted it in July 2021, Belgium's FSMA listed its website as a fraudulent trading platform, and the UK's FCA warned against it on 11 January 2022. Victims report money moved without consent and demands for "closure fees" before any payout. Do not deposit with anyone using this name.
Is FXCT Investments regulated?
No. FXCT Investments held no licence from any regulator. It gave an address in St. Vincent and the Grenadines, where the financial regulator does not license forex brokers. The company named as operator, Noga Commerce EOOD in Bulgaria, had no licence to offer trading in the UK, France or Belgium.
Is FXCT Investments still operating?
Partly. When we checked on 8 October 2026, fxctinvestments.com redirected to a "domain for sale" page, and fxctinvestments2.com did not load. However, fxctinvestments.net was still online with a Telegram chat. Treat any contact from FXCT Investments, or from anyone claiming to recover FXCT losses, as a scam.
Can I get my money back from FXCT Investments?
Possibly, if you paid by card and act quickly. Ask your bank for a chargeback, as card schemes set time limits that are often around 120 days. UK bank transfers to UK accounts may fall under the APP scam reimbursement rules. For crypto payments, the loss is likely to be irreversible. Report the loss to your regulator and the police, and make sure to not pay any "recovery" firm upfront.
Why did FXCT Investments advertise a $250 minimum deposit?
The $250 figure was bait. It made the first payment feel small and safe. Once a client had paid, an account manager pushed them toward the Bronze account, which needed $10,000. Higher tiers went up to $250,000. A low advertised deposit followed by pressure to "upgrade" is one of the most common signs of a broker scam.
What was the FXCTTS trading platform?
FXCTTS was FXCT Investments' own trading platform. Because the operator controlled it, the balances and trades it showed could not be checked by anyone else. Regulated brokers usually offer MetaTrader 4 or MetaTrader 5, where trade records are difficult to fake. An in-house platform from an unlicensed firm is a major red flag.
