Google requires financial-services verification via the FCA register (FRN). Meta requires authorisation via their Financial Products and Services policy. Both typically take 2 to 4 weeks and must be renewed annually.
Google Ads 1. Have a valid FCA Firm Reference Number (FRN). 2. Submit verification via Google's financial-products form. 3. Provide trading name, FRN, and registered website. 4. Wait 2 to 4 weeks for approval. 5. Renew annually.
Meta (Facebook / Instagram) 1. Apply for Financial Products authorisation in Business Manager. 2. Verify domain and business. 3. Provide FCA FRN and trading information. 4. Wait 2 to 4 weeks for approval.
Common rejection reasons - Inconsistent trading name vs FCA register. - Landing page missing required disclaimers. - Credit-repair or debt-management niches not supported. - Unclear ownership of brand vs advertising account.
Tip Always verify the AGENCY account not just the client account, to keep tenure across multiple firms.