Access Fertility Limited

Reference number: 1059979

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

What the FCA says

Deferred Payment Credit (Buy Now Pay Later) - temporary permission

This firm has temporary permission to provide Deferred Payment Credit (Buy Now Pay Later) agreements. This means it’s considered authorised by the FCA, but it hasn't been assessed against the standards required for full authorisation. The firm still has to follow our rules and guidance, and if consumers have a complaint about a Buy Now Pay Later agreement, they can contact the Financial Ombudsman Service if they’re not happy with the response they get from the firm.

  • This firm is operating under temporary permission while it seeks full UK authorisation. What it is permitted to do could change.

Website, phone number and address

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.

In the full report: 3 background checks

  • When accessfertility.com first appeared online, and whether it can receive email
  • What kind of line 0330 010 2040 is, and the other firm that gives it
  • Who else gives the postcode EC4V 3DB
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FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (2 permissions)
  • Entering into regulated deferred payment credit agreements as lender
  • Exercising, or having the right to exercise, the lender’s rights and duties under regulated deferred payment credit agreements

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Key dates in its history

Access Fertility’s history from the FCA register and Companies House, newest first.

2026

14 July 2026

  • Regulated by the FCA from this date
  • Became authorised by the FCA
  • FCA recorded a standard requirement (Financial Promotions for own firm, ARs and other members of the group)

FCA register

30 June 2026

  • Began trading as "Access Fertility"

FCA register

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Access Fertility

Other FCA-listed firms that share a director, phone number or address with Access Fertility. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
4
share its phone number
1
share its postcode
3

In the full report: all 4 connected firms, named

  • How each is linked: the same phone number (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Access Fertility

Other firms of the same type (lender), nearest first.

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Access Fertility

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 background checks on its contact details
  • All 4 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Access Fertility Limited FCA authorised?
Yes, Access Fertility Limited (FRN 1059979) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2026 and works as a lender. The FCA has placed no limits on its permissions.
What is Access Fertility’s phone number and website?
The FCA register lists the phone number 0330 010 2040 and the website accessfertility.com for Access Fertility. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.
Is Access Fertility a scam or clone?
Access Fertility is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Access Fertility?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Access Fertility to the Financial Ombudsman Service, free of charge.

Sources and links

The full report on Access Fertility Limited

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