Complaints & Safeguarding

At Swiftfox, we strive to deliver excellent service, but we understand that sometimes things may not go as planned. This page outlines our complaints handling procedure and what you can expect if you feel dissatisfied with our services.


We are your first port of call for any queries or concerns, including complaints. We will handle these complaints in line with our complaints process.

When making a complaint, please outline the following information
  • The date of the complaint
  • The nature of your complaint
  • The impact on your business
  • Your contact details
  • Any additional information

How do I complain?
You can make a complaint by:
  • Speak to a member of the team on the phone: +44 (0)203 751 7522
  • Email:

What happens when a complain is made?
A member of the team will confirm receipt of your complaint via email within 24 hours of receiving it and will aim to resolve the complaint within three business days. On occasion, a complaint may need to be escalated and so the team may extend the timeline to resolve the complaint by the end of 15 business days following receipt of the complaint.

In exceptional circumstances, where we are unable to issue a final response within 15 business days of receipt of the complaint, we have up to a maximum 35 business days from the date of receipt to issue a final response.

If a customer still wants to escalate the complaint further, information will be provided on how to contact the Financial Ombudsman Service.

We work with e-money and payments institution partners in providing you with our service, namelyCurrencycloud.Currencycloudultimately provides you with Regulated Services, i.e. geographically or functionally limited elements of regulated payments and e-money services in UK/EU/US. Currencycloud have certain obligations as regulated financial services institutions, including around complaints. We keep them informed of the complaints we receive from you regarding the regulated payments and e-money services they ultimately provide to you. They oversee how we handle complaints to ensure we do this to the standard required under the regulations. However, if for any reason your complaint regarding your payments and e-money services has not been acknowledged or dealt with by us, or if you have concerns about theway,it has been handled,Currencycloud's complaints information can be found here

What if I am unhappy with the resolution? If, for whatever reason, you are unhappy with our response, you can request further assistance from the relevant government body. If you are resident in the UK you can contact the Financial Ombudsman Service (FOS) either by mail, using an online form or telephone. Further details and how to contact FOS can be found here

If you are resident in the EU you can contact the Netherlands Financial Services Complaints Institute (Kifid) either by mail, using an online form or telephone. Further details and how to contact Kifid can be found here


When funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary's account.