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Our team recovers funds for unauthorised broker scam victims across UK, EU and Nordics. Free case check, no win no fee, honest odds upfront.
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Our refund process for FK Sp. z o. o. victims
- Stop paying immediately. Do not respond to any request for 'tax', 'release fee', or 'withdrawal charge' — that's a follow-on recovery scam.
- Preserve your evidence (60 seconds). Save every screenshot, WhatsApp message, email and bank transfer receipt from FK Sp. z o. o.. This becomes the core of your bank complaint.
- We file the PSD2/APP-fraud complaint with your bank — a full dossier citing the official regulator warning plus local securities law. Your bank has 8 weeks to respond.
- We escalate to the financial ombudsman in your country if your bank refuses. Our escalation team overturns 62% of bank refusals in cases like yours.
- We coordinate the criminal report with your national fraud unit — this creates the paper trail that unlocks mandatory reimbursement and freezes the scammer's remaining assets.
⚠️ The Regulator warning against FK Sp. z o. o. — explained
FK Sp. z o. o. is operating without authorisation from the Regulator (PL). It is not permitted to offer regulated investment services to retail investors.
Official warning published on 31 July 2026.
Is FK Sp. z o. o. still online?
This operation is not part of our automated daily uptime checks, so we cannot say whether its website is online right now. The regulator warning for FK Sp. z o. o. remains in force. If anyone claiming to represent FK Sp. z o. o. contacts you, treat it as high risk — and never pay any fee to "release" funds.
What we know about FK Sp. z o. o.
The Regulator (PL) has placed FK Sp. z o. o. on its warning list as an unauthorised firm operating without a licence. If you deposited money with FK Sp. z o. o., a free case review will tell you honestly whether it can be recovered.
Full guide: How to recover money lost to investment fraud →
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A specialist will call you within 24 hours.
Message us on WhatsAppHow this scam works
Behind FK Sp. z o. o. is the classic investment-scam playbook: a website that looks like a legitimate broker, an "account manager" who WhatsApps you daily, and a dashboard showing fake profits. When you try to withdraw, they demand a "release tax" — that fee is the scam.
Red flags to recognize
- Encouraged you to hide the investment from family or bank staff
- Bank flagged the payment as suspicious but the broker urged you to override
- Testimonials on their website use stock photos (reverse-image search reveals stolen identities)
- Cold-called or messaged you unexpectedly via WhatsApp, Telegram or Instagram
- Guaranteed returns above 15% monthly — no legitimate investment can promise this
Recovery timeline for this case type
Recovery from FK Sp. z o. o. follows a clear process. First 5 days: we gather evidence (transfer receipts, communication logs, platform screenshots) and file the formal bank complaint. Next 6-8 weeks: the bank investigates under PSD2 obligations set by local securities law. If the bank refuses, we escalate to financial ombudsman in your country within 72 hours. Ombudsman decisions typically take 3-4 additional months. In parallel we coordinate criminal reporting.
Frequently asked questions
Can I recover funds from FK Sp. z o. o. if my bank already refused?
Yes — this is one of the most common scenarios we win. Under local securities law, your bank must justify a refusal in writing. We appeal the decision, submit evidence they missed, and escalate to financial ombudsman in your country. Our team overturns 62% of first-round bank refusals.
How much does recovery cost with OnlineRefundee?
Nothing upfront. Our fee only becomes due when we secure a redress offer for you — typically a percentage of the amount recovered. Case assessment is free. No win, no fee. Full details in our fee structure page.
Is FK Sp. z o. o. the same as other scam brokers on your list?
Similar operational pattern, different corporate shells. Scam operators frequently rebrand — the same team behind FK Sp. z o. o. may operate other unregulated platforms under different names. We track cross-references between Regulator-flagged brokers to strengthen your case.
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Start free assessment → WhatsApp specialist →No upfront fees · we never ask for your bank login
Reviewed by Martin Fischer, European Compliance & Cross-Border Recovery Director
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