How secure are my funds with FinXP?

FinXP is a licensed European electronic money institution (EMI), regulated by the Malta Financial Services Authority. The company has been operating for over 11 years and is led by an experienced management team with a proven track record in payments and banking.

All client funds are held in segregated, safeguarded accounts with reputable financial institutions. This ensures your money is completely separate from FinXP’s operational funds and, unlike with banks, cannot be used for lending or investment purposes.

FinXP places a strong emphasis on cyber-security, employing dedicated specialists, advanced systems, and rigorous testing to prevent unauthorised access. Regular audits, ongoing staff training, and strict compliance and risk management procedures ensure operations meet the highest security and regulatory standards.

These measures are designed to give you complete peace of mind that your funds remain safe, accessible, and fully protected at all times.