Intelligent Money Ltd was declared in FSCS default in late 2025 after being hit by unmanageable FOS redress pressure regarding historic high-risk and non-standard SIPP portfolios. If you held an Intelligent Money SIPP, FSCS compensation is now available.
FSCS default declared: Late 2025
Intelligent Money Ltd was a SIPP operator and investment platform that faced mounting FOS redress pressure arising from its historic acceptance of high-risk, non-standard assets within client pension wrappers. The volume and value of upheld FOS complaints — combined with the associated compensation liabilities — proved unmanageable, leading to the firm's default and FSCS involvement in late 2025.
Intelligent Money's client base included both direct investors and those directed to the platform via IFA and introducer networks. FOS decisions focused on the firm's failure to conduct adequate due diligence on the non-standard assets placed into client SIPPs and on the introducer firms directing business to the platform.
Intelligent Money was declared in FSCS default in late 2025. The FSCS is actively assessing claims relating to the firm's due diligence failures on non-standard assets within client SIPPs.
Up to £85,000Where losses exceed the FSCS cap or where unregulated introducers trigger FSMA s.27, civil proceedings may recover the full uncapped amount.
Uncapped — court proceedingsThe FSCS default in late 2025 opens a new compensation route, but the FOS time limits on the original transfers are running independently. Do not wait for the FSCS process to develop before obtaining an assessment — the FOS clock may be the more urgent constraint for your specific case. See redressadvisory.com/time-limits for the full limitation framework.
Figures are indicative only and based on typical case profiles. Your actual position depends on your specific circumstances, the transfer value, and the applicable claim route. Not a guarantee of outcome.
Intelligent Money Ltd was declared in FSCS default in late 2025. The exact default date and current claims status can be confirmed at fscs.org.uk on the failed firms register.
Yes. Intelligent Money as the SIPP operator had its own separate regulatory obligations to conduct due diligence on the non-standard assets accepted into its platform — independent of any adviser suitability failure. Berkeley Burke [2018] confirms this duty applies to SIPP operators regardless of their execution-only status.
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