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Review verifiable information about forex brokers, banks, fintechs, crypto exchanges and payment providers in one place.

Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

SEPAGA

E-money institution · Cyprus

About the company

Legal company nameSepaga E.M.I. Limited
Year founded2017
Headquarters / registered countryNicosia, Cyprus
Websitesepaga.com
Last checked09.10.2026

According to its official website, SEPAGA is a Cyprus-based electronic money institution operating since 2017 that helps businesses move, hold and manage funds; it offers IBAN accounts, SWIFT, SEPA and SEPA Instant payments and digital money management solutions, and says it serves corporate clients around the globe. The site also announces the company's 10-year anniversary. SEPAGA E.M.I. Ltd is registered in the Republic of Cyprus under number HE347331 and is authorised and regulated by the Central Bank of Cyprus as an electronic money institution permitted to provide payment services and issue electronic money (licence no. 115.1.3.18/2018). This information is the company's own statement.

Account Details

ACCOUNT TYPESBusiness
MIN. DEPOSITNot stated
PLATFORMSOnline banking platform
PRODUCTSIBAN accounts · SEPA and SEPA Instant payments · SWIFT payments · Digital money management

Licences and regulation

CBC (Republic of Cyprus)

Licence no.115.1.3.18/2018
Licence holderSepaga E.M.I. Limited
ScopeListed in the Central Bank of Cyprus register as an authorised electronic money institution under Sepaga E.M.I. Limited (115.1.3.18/2018).
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: May 2020 – October 2026

  • Other: 2
  • Customer support: 1

VERY LOW — COMPLAINT LEVEL

83% of institutions with complaint records received more complaints than this one.

BY TOPIC — Other: Medium · Customer support: Low

SOURCES REVIEWED

The complaint distribution is based on the 1-star reviews on Sepaga's Trustpilot page (3) records as of 9 October 2026; one person's reviews count once, and records about fake sites and third parties using the Sepaga name are left out. Across the complaints, unanswered emails and calls and general fraud allegations against the company stand out.

Sources and verification history

Official company sourcessepaga.com — homepage, company page, footer
Regulator recordsCentral Bank of Cyprus — Sepaga E.M.I. Limited, 115.1.3.18/2018 (centralbank.cy)
Company registerCyprus Registrar of Companies — Sepaga E.M.I. Limited, HE 347331
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified09.10.2026

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