Why so many regulators?
Cross-border scam recovery touches multiple jurisdictions: the victim, the fraudulent platform, the receiving banks, and the funds' destination often span 3-4 countries. Operating with authorisations across the major European markets, plus the USA, Canada, Australia, and New Zealand, lets us pursue claims in each victim's home regulator and the regulator where the funds were ultimately received.
Our authorisations
About the operating entity. Online Refund is the international consumer brand operated by Refundee Ltd, a claims management company registered in England & Wales (company no. 12855931). The 15 authorisations listed above are held to operate compliantly across the European Union, the United States, Canada, Australia, and New Zealand. Refundee Ltd is also authorised in the UK by the Financial Conduct Authority for UK-specific claims management activities (FRN 937096); UK claims are handled separately through our UK brand refundee.com. Registered office: 3rd Floor, 86-90 Paul Street, London EC2A 4NE.
Frequently asked questions about our regulatory status
Why isn't there one EU-wide regulator?
Financial services regulation is country-by-country in the EU. There is no single passport for claims-management activities — each national authority licenses operators independently. The European Securities and Markets Authority (ESMA) coordinates between national regulators but does not issue authorisations directly.
How can I verify each authorisation independently?
Every regulator above publishes its register of authorised firms publicly. Click "Verify on [regulator] register" next to each entry — it links to that regulator's official search page. You can search for "Refundee Ltd" or use the registration number shown.
What protections do I have as a client?
Across all 11 jurisdictions, you benefit from: (1) a regulated complaints process with the right to escalate to the regulator's ombudsman if you're not satisfied; (2) professional indemnity insurance covering our work on your case; (3) full transparency on fees with no upfront charges (no win, no fee); (4) data protection rights under the EU GDPR.
Do I have to be a citizen of one of these 15 countries to be a client?
No. The authorisations let us operate in those markets, but we accept clients from anywhere in Europe (and beyond) where the scam occurred or the funds passed through a European bank.