Can I run financial ads without FCA authorisation?

Quick answer

Can I run financial ads without FCA authorisation?

No - any communication that invites or induces engagement in an investment activity is a financial promotion and requires authorisation or s21 approval.

What counts as a promotion

Social posts, ads, landing pages, webinars, podcasts, email sequences - if they promote investment activity (mortgages, pensions, investments, insurance) they are regulated.

Exceptions

Certified high-net-worth and sophisticated investor exemptions apply under FPO, but are narrow and carry strict record-keeping duties.

Reviewed by Platinum Prospects Editorial. Last updated April 2026.