3D Global Financial Services Ltd review.

Overview

3D Global Financial Services Ltd is a Cyprus Investment Firm, company registration number 86659, authorised by the Cyprus Securities and Exchange Commission under licence 063/06 since 29 March 2006. [CySEC] It is not a CFD broker. It is a wealth management and financial advice practice in Limassol, and the difference is the single most useful thing this page can tell you.

The CySEC register grants the firm exactly two investment services, “Reception and transmission of orders in relation to one or more financial instruments” and “Provision of investment advice”, and grants both of them over financial instruments 1 and 3 only. [CySEC] The firm’s own 2025 Pillar III report spells those two numbers out in words: “Units in Collective Investment Undertakings” and “Transferable Securities”. There is no permission to execute orders, no permission to deal on own account, no portfolio management and no ancillary safekeeping. Contracts for difference, spot FX, leverage and margin are all outside the licence, and the firm says so itself. Its investor warning page states that “the 3D Global Group does not offer any services in relation to Forex Platforms or Crypto currencies”.

The domain was the starting point rather than an assumption. CySEC’s own Approved Domains field publishes www.3dglobal.com against this entity, and it is the second entry on CySEC’s separate List of Approved Domains. [CySEC] We then loaded it. The site’s footer address, Second Floor Apollon Building, 74 Agios Athanasios Avenue, 4102, and its telephone number are the same address and the same number the register carries, and the pages name the licence and the entity. [CySEC] The domain belongs to the firm.

We fetched the homepage on 28 July 2026 through Bright Data Web Unlocker from eleven countries, appearing in Indonesia, Thailand, Vietnam, Azerbaijan, Singapore, Japan, India, the United Arab Emirates, South Africa, the United Kingdom and Germany. All eleven returned 200, all eleven returned the identical 9,349 characters of text, and the sweep reported one distinct entity fingerprint across eleven countries. The regulatory page fetched from Indonesia and from Great Britain was byte for byte identical. There is no geo routing here, no second brand, and no offshore company waiting for the Jakarta visitor. That is unusual in this catalogue and it is worth saying plainly.

Overview Table

Facts List

• CySEC licence 063/06, licence date 29 March 2006, company registration number 86659. [CySEC]
• Permitted services: reception and transmission of orders, and investment advice. Nothing else. [CySEC]
• Permitted instruments: transferable securities and units in collective investment undertakings. [CySEC]
• Registered email on the CySEC record is [email protected], and the register publishes www.3dglobal.com as the approved domain. [CySEC]
• The group is three companies: 3D Global Holdings Ltd, 3D Global Financial Services Ltd and 3D Global Insurance Advisors, Agents and Sub-Agents Ltd (Cyprus Insurance Companies Control Service registration 5057).
• FCA FRN 521324 exists and carries Companies House number HE86659, the same number CySEC shows. Sub-status supervised run-off from 31 December 2020.
• Classified as a Class 3 small and non-interconnected investment firm with a permanent minimum capital requirement of EUR 75,000.
• Own funds EUR 214k against a EUR 71k requirement at 31 December 2025, a capital ratio of 301%.
• 2025 staff cost of EUR 112,140 across the positions disclosed in the remuneration table.
• The firm does not publish financial statements, and says so in the Pillar III report.

Key Takeaways

• This is not a trading account. The CySEC record covers advice and order transmission over shares, bonds and funds. There are no CFDs, no FX pairs, no leverage and no margin, and the firm’s investor warning says the group offers nothing in relation to “Forex Platforms or Crypto currencies”. [CySEC]
• The licence is real, old and narrow. Licence 063/06 dates from 29 March 2006 and the firm is absent from CySEC’s Former Investment Firms list, which carried 143 entries when we checked. [CySEC]
• One entity, everywhere. Eleven countries were served the same 9,349 characters from the same company. No offshore arm appeared on CySEC’s registers, the FCA register or the Seychelles FSA capital markets list. [CySEC]
• The firm cannot be your counterparty. The register grants no execution and no dealing on own account, and the firm’s own best execution policy says it “does not execute orders (but rather transmits them to a third-party Financial Institution, such as a bank, trustee or insurance company)”. [CySEC]
• Its own auditors found control problems. The 2025 Pillar III says “Internal Audit identified material weaknesses in control execution and evidencing, including instances where controls were not demonstrably performed”, with remediation “expected to be substantially completed during 2026”.
• Pricing is private. The only published figures sit in a booklet whose PDF was created in July 2013, and every fee percentage in the client agreement is a blank to be filled in per client.
• Documents lag the register. The client agreement and the booklet cite Law 144(I)/2007, which the firm’s own Pillar III supersedes with L.87(I)/2017, and the booklet still presents FCA number 521324 as a current authorisation.
• Who it suits. English speaking residents of Cyprus and expatriates in the EEA who want advised, buy and hold exposure to funds and securities through third party platforms. Anyone looking for a trading account is in the wrong place entirely.

Licenses & Regulation

Two registers carry this firm, and they agree on the identity but not on the scope a reader might expect.

What CySEC actually authorises. The register entry for 3D Global Financial Services Ltd lists two investment services and two instrument classes, and nothing more. Reception and transmission of orders, instruments 1 and 3. Provision of investment advice, instruments 1 and 3. There is no ancillary services block on the record at all, so no safekeeping, no custody and no granting of credit. [CySEC] Compare a conventional CySEC CFD broker on the same register, which typically shows four investment services across instruments 1 to 10. The gap between those two records is the whole review.

The firm’s own Pillar III report removes any doubt about the numbering. It states that the company “is regulated for following investment services: Receipt & Transmission of Orders; Investment Advice” and that “These services are provided with respect to the following financial instruments: Units in Collective Investment Undertakings; Transferable Securities”. It adds that “There has been no material change in the Company’s regulated activities during 2025.”

Capital and prudential position. The firm is a Class 3 small and non-interconnected investment firm under Article 12 of the IFR, with a permanent minimum capital requirement of EUR 75,000. At 31 December 2025 it reported Common Equity Tier 1 of EUR 214k, an own funds requirement of EUR 71k, fixed overheads of EUR 264k giving a fixed overheads requirement of EUR 69k, and no K-factor requirement at all. Capital ratios were 301% against minimums of 56%, 75% and 100%. Liquid assets were EUR 130k against a EUR 23k requirement, a ratio of 565%. For a firm of this size those are comfortable numbers, and the K-factor line reading N/A is itself informative: it is what a firm that holds no client money and executes nothing looks like in a prudential return.

The finding the marketing does not carry. The same Pillar III contains a section headed Control Effectiveness and Remediation. It says that “During 2025, Internal Audit and Compliance reviews identified weaknesses in the formalisation and evidencing of control execution, particularly in relation to AML screening and compliance monitoring”, and then, more bluntly, that “Internal Audit identified material weaknesses in control execution and evidencing, including instances where controls were not demonstrably performed”. A structured remediation programme is described, including an external screening solution named as Cedar Rose and a centralised sanctions, PEP and adverse media register, with “A retrospective remediation exercise is ongoing to ensure full population coverage” and the wider programme “expected to be substantially completed during 2026”. The firm disclosed this itself, in a document it was required to publish and chose to publish in full. That is to its credit. It is also a finding, and it is not visible anywhere on the marketing site.

The UK position. The FCA register carries 3D Global Financial Services Ltd under FRN 521324, business type “Branch (UK) of a Overseas Firm”, status effective 29 March 2010, with a Companies House number recorded as HE86659. That is the same company number CySEC shows, which is the strongest free identity evidence available. The sub-status is supervised run-off, effective 31 December 2020, and the register’s own note says the firm “is running off its UK business and cannot deal with new customers”. The group’s insurance company, 3D Global Insurance Advisors, Agents and Sub-Agents Ltd, appears separately as FRN 471059 in contractual run-off from the same date, with a principal place of business on St. Athanasios Street in Limassol.

This matters because the group’s Business Practices booklet, still linked from the live regulatory page, describes the investment firm as regulated by CySEC “(registration number: 063/06, UK Financial Conduct Authority number 521324)” with no mention of run-off, and describes the insurance company as holding “UK Financial Services Authority number 471059”. The FCA numbers are genuinely theirs, so this is not a fabricated badge. It is a stale one. The PDF was created in July 2013, the FSA ceased to exist that same year, and the UK permissions have been in run-off since the end of the Brexit transition period.

Registers we searched, by name. CySEC’s Cypriot Investment Firms register (248 cards, found), the Former Investment Firms list (143 cards, not found, which is the right answer), the List of Approved Domains (found, www.3dglobal.com), the List of Non Approved Domains (978 rows, no match) and the CySEC warnings page (no match). The FCA register for “3D Global”, “3D Global Financial” and “3dglobal”, returning three firms in total and no clone or unauthorised entries. The Seychelles FSA capital markets register of licensed securities dealers, no match. We did not search the Cyprus Insurance Companies Control Service register, so registration 5057 for the sister company is recorded here as the firm’s own claim rather than as verified.

Cross border scope. The CySEC record lists cross border services notified to 28 states: Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. The Services to Member States field, which is where branches would appear, is empty. [CySEC]

How to Trade

You do not trade here, and the firm is straightforward about that.

The client agreement sets out the mechanism in one paragraph: “The Client is requested to send instructions (orders) to The Company via email ([email protected]) or by fax (++ 357 25 87 34 60) or in writing (PO Box 53720, 3317 Limassol, Cyprus). The Company cannot take responsibility for instructions that are transmitted in any other way. Client instructions received by The Company will be passed to the relevant Financial Institution, which has the responsibility for their execution, accuracy and timely processing.” Email, fax or post. There is no order ticket, no click to deal and no self-service dealing screen anywhere on the site.

Who executes. Nobody at 3D Global does. The firm’s Best Execution Policy, dated November 2020, opens by conceding the point: the company “does not execute orders (but rather transmits them to a third-party Financial Institution, such as a bank, trustee or insurance company)”, and “it expects such Financial Institutions to operate according to a high standard of Best Execution policy and practice”. The Conflicts of Interest Policy in the same document goes further, under the heading of financial gain: “The Company does not trade on its own account nor execute orders, therefore situations are avoided where The Company could favour its own transactions over its Clients’ or favour one Client over another.”

That is a genuine structural protection and it is worth naming. The most common way a retail CFD client loses money to their own broker is by trading against a dealing desk. This firm holds no permission to be that desk, says it is not one, and reports no K-factor requirement in its prudential return. [CySEC]

Where orders go. The policy names the venues in general terms rather than in a top five table. For transferable securities, “the primary execution venue will be a Regulated Market (“RM”) or a Multilateral Trading Facility (“MTF”) via the Financial Institutions to which The Company passes instructions or through another broker with which they have an agreement for handling client orders”, and orders may be executed outside an RM or MTF “Where this is not possible or desirable (for reasons of best execution integrity)”. For collective investment schemes, “orders will generally be placed directly with the manager/ administrator of the scheme or through a settlement system”. Execution factors are ranked in order of importance as price, cost, size of order and quality.

What is missing. We found no report naming the individual firms to which client orders were actually transmitted in any year, and no top five venue or counterparty table published anywhere on the site. That is the document that would let a reader check the concentration of the firm’s transmission relationships, and it is the single most useful disclosure a receipt and transmission firm can publish. The nearest evidence available is indirect: the client login page lists report logins for seven third party providers, which is discussed in the platform section below.

Holding period. The Pillar III describes the business as “medium to long term financial and investment planning” and states that the approach “will mean ‘buy-and-hold’ rather than a trading investment style”. The client agreement says the same thing to clients: “Investments should always be seen as medium to long-term (8-15 years+) with some being for the very long-term such as pension or other savings plans.” An eight to fifteen year horizon is the opposite end of the market from a CFD account, and a reader who arrived here looking for one should take the firm at its word.

Account Types

There are no account tiers. There is no bronze, silver and gold ladder, no ECN option and no minimum deposit table, because there is no trading account to tier.

What exists instead is a two page client agreement, reference CA12-2020, dated September 2020, which a client fills in and signs. It has three axes.

Which company you contract with. The first page asks the client to tick either 3D Global Financial Services Ltd, the CySEC firm, or 3D Global Insurance Advisors, Agents & Sub-Agents Ltd, the insurance intermediary. One form covers both companies, which is convenient for the group and puts the burden on the client to notice which regulator is behind the service they are buying.

Which service. Three tick boxes: “INSURANCE RELATED SERVICES”, “INVESTMENT ADVICE + RECEIPT & TRANSMISSION (FINANCIAL INSTRUMENTS)” and “ADMINISTRATION SERVICES”. Only the middle one falls under CySEC licence 063/06.

Which client category. Retail, professional or eligible counterparty, with the agreement stating that clients “have the right to request a change of their client category and those wishing to do so are requested to apply in writing”. Retail is on the form and is plainly the core of the business, which distinguishes this firm from the professional only and eligible counterparty only CySEC licensees this catalogue has covered recently. Ordinary people can and do become clients.

The risk profile ladder. In place of leverage settings, the agreement asks the client to tick one of six investment strategy bands: “NO RISK”, “CAUTIOUS”, “CAUTIOUS to MODERATE”, “MODERATE”, “MODERATE to ADVENTUROUS” and “ADVENTUROUS”. Each carries a paragraph of description. The Adventurous band is described as being “prepared to take a substantial degree of risk with your investment/s in return for the prospect of the highest possible longer term performance”, invested “entirely in higher risk assets such as equities”. The client also states an investment amount, a purpose, a time horizon and a reporting currency chosen from euros, sterling, US dollars or other.

Acceptable assets. The form lists the instruments a client may hold and asks them to delete any they do not want: “Collective Investment Schemes (Comprising: Absolute Return/ Alternative Strategy/ Hedge Funds, Bonds, Cash, Commodities, Equities/ Stocks & Shares, ETFs, Property)”, “Transferable Securities” and “Insurance-Linked Funds”. Note that hedge funds and alternative strategy vehicles sit inside the collective investment schemes bucket, which is instrument class 3 on the licence and therefore squarely within permissions, but is also the least liquid thing on the list.

Termination. Either side may end the agreement on one month’s notice, and the firm reserves the right to terminate immediately if a client does not conform to its anti-money laundering policies and procedures.

What is not stated. There is no minimum investment on the form, no published minimum anywhere on the site, and no stated maximum. We could not source a minimum deposit figure and have left that field empty rather than guess at one.

Negative Balance Protection

Negative balance protection is a CFD concept, and it does not apply here. It is worth being precise about why, because “no negative balance protection clause” reads as an alarm on a CFD review and means something completely different on this one.

A client can only owe a broker more than they deposited if the broker offers a leveraged product. 3D Global Financial Services Ltd holds no permission to offer one. The CySEC record covers transferable securities and units in collective investment undertakings, and covers only transmitting orders and giving advice about them. [CySEC] There is no margin, no leverage figure published anywhere on the site, and no derivative instrument on the licence. The Pillar III confirms it in prudential terms: the firm reports no K-factor requirement, and states that it “does not have any material Crypto-asset holdings and the risks emanating from trading in crypto assets, and/or in financial instruments relating to crypto assets for its clients is immaterial”.

So the honest answer is that the client agreement contains no negative balance protection clause, and there is no product on the licence that would need one.

What protection does exist. Three things, all sourced.

• Investor Compensation Fund. The client agreement states that the firm “is also a member of and contributes to an Investor Compensation Scheme (“The Fund”) run by the Cyprus Ministry of Finance”, and the Business Practices booklet adds that the fund “compensates Covered Clients for claims arising from the Covered Services provided by its members, so long as failure by the member to fulfil its obligations has been ascertained, in accordance with the terms and procedures defined in part V of the Directive on Investor Compensation Fund”. Neither document states the compensation cap, and we have not sourced one, so no figure appears here.
• No custody, no dealing. The CySEC record lists no ancillary services, so no safekeeping and administration of financial instruments. The firm’s own policy says it neither executes orders nor trades on its own account. The Pillar III liquidity table records client guarantees as nil. [CySEC] Client assets sit with the third party institutions, not with this firm.
• Professional indemnity, on the insurance side only. “3D Global Insurance Advisors, Agents and Sub-Agents Ltd. holds Professional Indemnity Insurance as required by its licence from the Cyprus Insurance Companies Control Service.” That cover is stated for the insurance company, not for the CySEC firm.

The risk that replaces it. Where a CFD client’s exposure is to leverage, an advised client’s exposure is to the product recommended and to the institution holding it. The firm says as much: it “endeavours to recommend third party Financial Institutions that are based in jurisdictions with investor protection legislation and compensation schemes. But, where these do not exist, investors may be exposed to risks of default by these Financial Institutions.” That sentence is the real risk disclosure on this review, and it is doing more work than any negative balance clause would.

Trading Instruments

The instrument list is short, and for once it is set by a regulator rather than by a marketing page.

The firm’s Best Execution Policy states the position in its own words: “Currently, the financial instruments that form part of The Company’s services are collective investment schemes and transferrable securities.”

What that looks like in practice. The client agreement’s acceptable assets list is the closest thing to a product menu the firm publishes: collective investment schemes covering absolute return and alternative strategy and hedge funds, bonds, cash, commodities, equities, ETFs and property, plus transferable securities and insurance linked funds. Commodities and property therefore reach the client through funds rather than directly, which is the ordinary structure for an advisory firm and keeps the exposure inside instrument class 3.

Insurance linked funds are the third leg. They sit on the client agreement’s asset list but they are sold through the sister company under an insurance regulator, not under CySEC. The insurance page describes cover for “home insurance”, vehicles, boats, life and health, and adds a jurisdiction specific note: “For IDD-regulated investment products in Spain, 3DGIA provides non-independent and restricted advice, meaning our recommendations are based on a limited range of products and providers that we have selected and consider suitable for the Spanish market.” A reader should register that the same signed form can put them into an insurance wrapper supervised by a different authority with a different complaints route.

Pensions. The retirement page describes advice on defined benefit schemes, personal pensions, stakeholder pensions and self invested arrangements, and on “ROPS (Recognised Overseas Pension Schemes) with several Trustee Companies predominately based in the EU”. For defined benefit transfers specifically, the firm says it will “work closely with a firm authorised and regulated in the UK, who will provide the appropriate advice as required”, and that “3D Global’s involvement with defined benefit transfers is solely limited to that of the investment vehicle adopted and the ongoing servicing of that investment product”. Expatriate pension transfer work is an area with a long history of consumer harm, so a reader considering it should note exactly where the firm draws its own boundary, and confirm in writing which entity is advising on the transfer itself.

No instrument count. The site publishes no number of available funds, no fund list and no platform universe. We have not invented one. The seven third party providers named on the login page are the practical limit on what a client can be placed into, and that list is the only concrete evidence of range the firm publishes.

Education & Analysis

There are no charts, no technical analysis and no signals here, which is consistent with a firm that tells clients to hold for eight to fifteen years. What exists is a modest library of consumer facing material, and it is honest about being general rather than personal.

The risk primer. The Investment Risk page is the longest single page on the site at roughly 14,000 characters, and it is genuinely a teaching document rather than a disclaimer. It walks through asset risk across bonds, cash deposits, commodities, derivatives, equities and property, then covers currency risk, geographical and political risk, inflation risk and liquidity risk in turn, with a worked example: “If inflation is 5% and investment return is 4%, capital is depreciating (its purchasing power is being eroded).” It also names the risks specific to collective investment schemes, listing performance risk, leverage risk from borrowing within the scheme, counterparty and insolvency risk, currency risk, liquidity risk and operational risk. For a client being placed into funds, that is the right set of risks to explain, and it is explained without selling anything.

Free guides. Three downloadable guides are offered, titled Finding expert financial advice, Investments and Insurance. Each sits behind a form requiring a name, an email address and optionally a telephone number, with a consent tick box referring to the firm’s terms and data protection policy. They are lead capture, and a reader should treat handing over a phone number accordingly.

News. The site runs two streams. Its own posts are occasional and are written in house, the most recent at the time of checking being dated Thursday 19 March 2026 and headlined “Financial Workshop in Larnaca: You moved abroad. Did your investments? Expats need a different strategy”, preceded by pieces on sustainable investing dated 24 November 2025 and on the UK Autumn Budget dated 23 October 2025. The separate market news strip, headed “Financial news from around the globe”, carries three items dated 27 June 2025 on UK gilts, ECB rates and European utility stocks, and each links out to Morningstar UK rather than to anything the firm wrote.

That is worth stating plainly: the market commentary is syndicated, and the strip had not moved for roughly thirteen months when we checked. A reader expecting daily research will not find it.

Third party references. The site points readers to MoneyHelper for consumer guidance, to the BBC programme Money Box as recommended listening, and to the Chartered Insurance Institute and the Personal Finance Society public information pages. Pointing clients at an independent guidance body rather than only at your own material is a small good sign.

What the firm says about its own pages. The disclaimer is unambiguous: “These pages should not be viewed as offering you personal advice or any personal investment or insurance service”, and “Past performance is no guarantee of future returns. The value of investments and any income from them can go down as well as up.” The education material is background reading. The advice is the thing you sign a client agreement for.

Special Offers

None. We looked, across eleven country vantages and every page linked from the navigation and the footer, and found no bonus, no deposit match, no rebate, no cashback, no referral scheme, no contest and no promotional rate of any kind.

That is the expected result and it is a mildly good sign. Deposit bonuses are a CFD marketing device and CySEC restricts them; a firm whose licence covers advice and order transmission over funds and shares has nothing to run a bonus on.

The only thing resembling an offer is the free guide, which appears three times on the site with three titles: Finding expert financial advice, Investments and Insurance. Each is delivered automatically after a form is submitted with a name and an email address, with a telephone number field alongside. The exchange is information for contact details, which is ordinary lead generation for an advisory firm, but it is still an exchange, and a reader who does not want a follow up call should note the phone field.

Events. The firm runs occasional in person sessions rather than promotions. The most recent post on the site advertises a financial workshop in Larnaca aimed at people who have moved abroad, under the heading “You moved abroad. Did your investments? Expats need a different strategy”. That is the shape of the firm’s client acquisition: local seminars for the expatriate community in Cyprus, not online funnels.

Introducer or affiliate arrangements. We found none published. The CySEC record shows no tied agents for this firm, unlike several other Cypriot licensees whose records list agents in central Europe. [CySEC] The conflicts policy addresses the related question of provider selection, stating that the firm “makes available to Associated Persons a number of different third parties from which to make a recommendation, there being no coercion on the part of The Company to favour one above another”, and that third party fees are set out in documentation “allowing Clients to make comparisons”. Whether commission from those third parties influences recommendations in practice is not something a document can settle, and it is the question a prospective client should ask directly.

Opening an Account

There is no online onboarding. No sign up button, no upload portal, no identity verification flow and no demo account exists anywhere on the site. The only routes in are the contact form, the telephone number and the three guide download forms, all of which lead to the same place: a conversation with an advisor.

The sequence, from the firm’s own documents.

• Contact. The contact page publishes a physical address at Second Floor, Apollon Building, 74 Agios Athanasios Avenue, 4102, a postal address at PO Box 53720, 3317 Limassol, the landline ++357 25 82 82 92, [email protected] for general enquiries and [email protected] for administration, plus a form requiring name, email and telephone number.
• Identity checks first. The client agreement states that “Before The Company enters into any agreement for Investment Services with a client, it is obliged to validate client identification and source of funds. The Company will only be able to provide a product or service after these procedures have been carried out satisfactorily”, and that it will “from time to time, request up-to-date records from its clients”. Source of funds, not just identity, and repeated over the life of the relationship.
• Suitability. “Based on information supplied (including financial situation, investment objectives and investment knowledge & experience), The Company will carry out the applicable suitability or appropriateness testing.” The client financial review, the six band risk ladder and the acceptable assets list are all part of the same form.
• Signature. The agreement is signed by the client and countersigned “For and on behalf of The Company”, and takes effect from the date on the form. There is no electronic signature route described.
• What you are signing up to. By signing, the client acknowledges receipt of the Business Practices booklet and consents to the Best Execution Policy, Conflicts of Interest Policy, Outsourcing Policy, Business Continuation Policy and Public Disclosure Policy. Note that the outsourcing and public disclosure policies are named in that list but are not among the documents published on the regulatory page, so a client is consenting to two documents they have to ask for.

How long it takes. Not published. The firm states no service standard for account opening anywhere we could find, so we have left that field empty rather than estimate it.

A document problem worth catching before you sign. The published client agreement is reference CA12-2020 and is dated September 2020, and it gives the firm’s registered office as “First Floor Toumazis Linopetra Center, Agios Athanasios & Kantaras 61, 4102 Limassol”. The website’s terms page gives “First Floor, Toumazis Commercial Center, Agios Athanasios& Kantaras 61”. The CySEC register and the site footer both give Second Floor, Apollon Building, 74 Agios Athanasios Avenue. [CySEC] Three addresses across three live documents. The register is the one that counts, and a prospective client should ask for a client agreement carrying it before signing anything.

Qualifications. The agreement states that associated persons providing investment services “are required to hold an appropriate Certificate of Professional Competence” and that directors and managers “satisfy the requirements of its two regulators in respect of ‘fit & proper’ criteria, education and qualification”. Asking to see the certificate of the individual advising you is a reasonable request and the firm’s own document invites it.

Deposits & Withdrawals

This is the section where a CFD review lists cards, wires, e-wallets and withdrawal fees. None of that exists here, and the reason is structural rather than an omission.

The firm does not take your money. The CySEC record lists no ancillary services for 3D Global Financial Services Ltd, which means no safekeeping and administration of financial instruments and no holding of client assets. [CySEC] The firm is classified in its own prudential return as a Class 3 small and non-interconnected investment firm reporting no K-factor requirement, and its liquidity table records client guarantees as nil against total liquid assets of EUR 130k, all of it in unencumbered short term deposits. Money moves from the client to the third party financial institution that holds the investment, and the firm’s role is advice and the passing on of instructions.

The client agreement describes exactly that: instructions go to the firm by email, fax or post, and “Client instructions received by The Company will be passed to the relevant Financial Institution, which has the responsibility for their execution, accuracy and timely processing.”

What is published about money, and what is not. We found no payment methods page, no funding page, no list of accepted currencies for transfers, no minimum or maximum withdrawal, no processing time and no withdrawal fee schedule anywhere on the site or in the published documents. Rather than fill those fields with plausible looking numbers, we have left every one of them empty. The practical answer is that the deposit and withdrawal terms a client experiences are those of whichever provider holds the investment, and the client agreement points to that: liquidity restrictions and redemption penalties are described as living in “the product literature, brochure and other key features documents”.

Liquidity is the real constraint. Instead of a withdrawal fee, the friction here is the product term. The client agreement warns that “Some investment products are taken out for a specific period of time (known as the term)”, that “some investment products may not allow redemptions for a specified period” and that there is “also the possibility of early redemption penalties on some investment products”. By signing, the client confirms they understand “that cancelling a Product (with a term or an earnings period) before maturity will normally carry a penalty”. Someone used to withdrawing from a trading account on demand should read that twice. Getting money out of a fixed term insurance linked product is not a withdrawal request, it is a surrender, and it can cost.

Valuation and reporting cadence. “The frequency of fund valuation varies between Financial Institutions and can be daily, weekly or monthly”, and the firm produces a monthly summary report showing total value, with more frequent breakdowns of portfolio holdings available “in many cases” daily through its online reporting service. Financial institutions themselves report “some quarterly, others yearly”. So the value a client sees may be a month old and, in the case of the underlying provider’s own statement, up to a year old.

Third party default risk. Because the money sits elsewhere, the firm’s own warning applies: it “endeavours to recommend third party Financial Institutions that are based in jurisdictions with investor protection legislation and compensation schemes. But, where these do not exist, investors may be exposed to risks of default by these Financial Institutions.” Asking which jurisdiction a recommended provider sits in, and which compensation scheme covers it, is the equivalent here of asking a CFD broker where client money is segregated.

Customer Support

Support at this firm means a named person in a single office, which is a very different proposition from a 24 hour chat queue, and better on some axes and worse on others.

Named people, which most brokers do not publish. The contact page lists sixteen staff with roles, including client relationship managers, advisors, a client services manager, a back office manager, an administration manager and a compliance officer. Being able to see who you would deal with before you call is a real advantage over a support ticket system, and it is consistent with an advisory model.

Two inconsistencies in that list are worth flagging. The about page and the contact page disagree on the leadership: the about page lists “Mark Nowell CEO and Advisor” and “David Rumsey Founder and Advisor”, while the contact page lists “David Rumsey CEO and Advisor” and “Mark Nowell Director and Advisor”. Separately, the site names three people as directors, while the 2025 Pillar III names exactly four members of the management body: Mark Christopher Nowell and Barbara Ferguson as executive directors, with Constantinos Constantinides and Alexandra Melton-Czovek as independent non-executive directors. Neither independent director appears on the public team pages.

Headcount does not obviously match the payroll. The Pillar III remuneration table discloses two executive directors on EUR 69,432, two independent non-executive directors on EUR 3,525 and one administration position on EUR 39,183, totalling EUR 112,140, under a grand total row that states six staff. The site shows sixteen people. The likeliest explanation is that the advisors are self employed associated persons remunerated by commission rather than employees, which is the normal structure in this sector, but the firm does not say so and we have not verified it. It also means the grand total row does not reconcile with the rows above it, which is the firm’s own arithmetic and not ours.

Complaints. The route is documented rather than merely implied. The client agreement states that “The Company’s Compliance Officer will handle client complaints” and that complaints “should be addressed to The Company in writing accompanied by all details and supporting documentation”. A dedicated complaint form is linked from the contact page. The regulatory page then names the external escalation route, the Financial Ombudsman of the Republic of Cyprus at www.financialombudsman.gov.cy, with a telephone number. Publishing the ombudsman on the same page as the licence is more than most firms in this catalogue do.

What we could not check is how any of this performs. We have no verified user reports for this firm, we do not take ratings or complaint counts from competitor sites, and we did not query the ombudsman for case outcomes. The support score reflects what is documented and reachable, not measured responsiveness.

Prohibited Countries

This broker publishes no list of prohibited or restricted countries. That is the finding, and it is stated here rather than replaced with a plausible looking list. We checked the terms of use, the disclaimer, the privacy policy, the investor warning, the regulatory page, the client agreement, the Business Practices booklet and the policies document, and none of them contains a restricted jurisdictions clause, a United States exclusion or any sanctions country list.

What can be established is the perimeter the regulator recorded, which is a different thing and a more reliable one.

Where the firm is entitled to operate. The CySEC record lists cross border services notified to 28 states: Austria, Belgium, Bulgaria, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden, alongside its home market of Cyprus. The Services to Member States field, which is where a branch would be recorded, is empty. [CySEC] Outside that perimeter the firm has no passport, which is a practical limit even though it is not phrased as a prohibition.

One country specific disclosure exists. The insurance page carries a Spain clause: “For IDD-regulated investment products in Spain, 3DGIA provides non-independent and restricted advice, meaning our recommendations are based on a limited range of products and providers that we have selected and consider suitable for the Spanish market.” It is the only jurisdiction named anywhere on the site, it concerns the sister insurance company rather than the CySEC firm, and it restricts the nature of the advice rather than access to it.

What the geographic sweep showed. We fetched the homepage from Indonesia, Thailand, Vietnam, Azerbaijan, Singapore, Japan, India, the United Arab Emirates, South Africa, the United Kingdom and Germany on 28 July 2026. Every one returned the same page, the same 9,349 characters and the same single entity. No country was blocked, no country was redirected to a different company and no country was shown a different regulator. In this catalogue that pattern usually indicates a firm with no offshore funnel, and the register searches support that reading.

The flip side is that a visitor in Jakarta or Johannesburg sees an unchanged page inviting them to talk to an advisor, with nothing on it saying the firm’s authorisation does not extend to them. That is not a restricted country list and it is not a violation of one. It is the absence of any territorial statement at all, which is a gap in disclosure rather than evidence of onboarding outside the perimeter. We have no evidence either way about who the firm actually accepts, and we are not going to invent any.

The United Kingdom is the one real restriction we can evidence, and it comes from a regulator rather than from the firm. The FCA register places the UK branch, FRN 521324, in supervised run-off since 31 December 2020, and states that a firm in that regime “cannot deal with new customers” and may only service pre-existing contracts. A UK resident reading the group’s Business Practices booklet, which still lists the FCA number without qualification, would not learn that.

Conclusion

3D Global Financial Services Ltd is a small, long established Cypriot advisory firm that has been misfiled as a CFD broker, and the most useful service this review can perform is to say so before anyone sends it money expecting a trading account.

The evidence is not ambiguous. CySEC licence 063/06 has been on the register since 29 March 2006 and covers two services, advice and the transmission of orders, over two instrument classes, transferable securities and units in collective investment undertakings. [CySEC] The firm’s own Pillar III report lists the same two services and the same two instrument classes in words. Its own policy document states that it “does not execute orders” and “does not trade on its own account”. Its own investor warning page states that “the 3D Global Group does not offer any services in relation to Forex Platforms or Crypto currencies”. There is no leverage figure to quote, no spread to compare and no platform to test, because none of those things exist here.

What the firm gets right. One legal entity was served to all eleven countries we fetched from, with no offshore arm on any register we searched and no second brand. The regulator publishes the domain itself, and the live site matches the register on address, telephone number and licence number. The firm holds no permission that would let it be the counterparty to a client, and says so. It publishes its Pillar III in full, names its four board members, names sixteen staff, and puts the Financial Ombudsman of Cyprus on the same page as its licence. It publishes an investor warning naming a website that was impersonating it, and that domain, 3dglobalinvest.com, no longer resolves and returns no match at the registry. [CySEC]

What a prospective client should press on. Three things, in order.

First, price. The only fee figures published anywhere are in a booklet whose PDF was created in July 2013, which quotes “between 1% and 1.75% pa” for advice, brokerage of “up to 5%” for receipt and transmission and dealing charges of “typically £25, €30 or $40 per transaction”, while describing a portfolio management service that is not on the firm’s current CySEC permissions. [CySEC] The client agreement leaves every fee percentage blank for negotiation. Get the actual figures in writing, on paper carrying the address that is on the register.

Second, the control findings. The firm’s 2025 Pillar III discloses that “Internal Audit identified material weaknesses in control execution and evidencing, including instances where controls were not demonstrably performed”, concentrated in AML screening and compliance monitoring, with remediation “expected to be substantially completed during 2026” and a retrospective AML exercise still “ongoing to ensure full population coverage”. The firm disclosed this voluntarily and in plain language, which is more than most, and it is still an open item at the date of this review.

Third, document hygiene. A client agreement and a booklet that both cite Law 144(I)/2007 where the Pillar III cites L.87(I)/2017, an FCA number presented as current when the register has had it in run-off since 31 December 2020, an ESG and SFDR statement whose link returns 404, three different registered addresses across live documents, and a remuneration table whose grand total does not match the rows above it. Individually each is minor. Together they describe a firm whose paperwork has not kept pace with its register entry, at a firm whose entire product is paperwork and advice.

Who it suits. English speaking residents of Cyprus and expatriates elsewhere in the EEA who want advised, long horizon exposure to funds and securities through established third party platforms, and who value dealing with a named advisor in a physical office over dealing with an app. The firm’s own description of its risk appetite, “buy-and-hold rather than a trading investment style” over “medium to long-term (8-15 years+)”, is an accurate description of what is on offer.

Who it does not suit. Anyone who arrived looking for a CFD or FX account. Not because the firm is a poor one, but because it does not sell that product, is not authorised to, and says so itself.

Our overall score of 5.6 is the unweighted mean of five criteria, and it should be read as a score for a small advisory firm with a clean regulatory identity, thin public disclosure and self reported control weaknesses under remediation. It is not a verdict on a trading proposition, because there is not one to judge.