from 4%
Regulated. Loans, cards, insurance
quoted
Complex. Forex, CFDs, trading
Fee on each deposit. It drops as your monthly volume grows.
Finance and forex ad accounts for what your licence covers, and where.
A licence is a list of products and a list of countries, and each ad platform reads that list its own way. Send us yours. Your compliance lead gets an answer platform by platform, before you top up.
Send us this
- Product
- Regulator and licence number
- Countries
- Landing page
What each platform asks of a finance advertiser.
Read on 1 November 2026. The date stays on the row because these pages move, and Meta's finance policy has two new versions from late October alone.
| Platform | What it asks | Who applies | Source |
|---|---|---|---|
| Meta | 18+ on cards, loans and insurance. A licence where the country requires one, and Meta may review it. No payday loans, paycheck advances, bail bonds, binary options, CFDs or ICOs, and no loan of 90 days or less. US investment ads only from accredited brokerages or licensed advisers verified by Meta, and none that steer people into a direct message. | The advertiser verifies its identity and proves the licence to Meta. We prepare the file with you. | Meta financeChecked 1 Nov 2026 |
| Verification by location, now in two steps through G2 for 24 more EEA markets. Personal loans from 61 days, with the maximum APR on the landing, and under 36% APR in the US. CFDs, spread betting and rolling spot forex in listed countries only, with a licence and Google's approval. No credit repair, no binary options. | In those EEA markets, a First Party or Authorized Advertiser. A third party promoting with their approval can't apply. Agencies managing those accounts need verifying too. | Google finance and Google G2Checked 1 Nov 2026 | |
| TikTok | Market by market, with a licence and 18+. CFDs now allowed in the US and Canada through a sales rep. Forex can run in Finland, France and Germany, and not in Argentina or Chile. Payday loans closed in most markets. No get-rich-quick offers anywhere. | In many markets, through a TikTok sales representative. | TikTok financeChecked 1 Nov 2026 |
| Snapchat | Material terms in plain sight before anyone applies. Loans show APR, repayment period, fees and the lender's contact details. Offers limited to adults target 18+. Certain complex products need Snap's prior approval. No payday loans, no guaranteed returns. | Not named for complex products. Ask us. | Snapchat policy 3.6Checked 1 Nov 2026 |
| X | We confirm X case by case. Tell us the product and the market. | Ask us. | X policy |
| Bigo | Its published rules don't mention loans or forex as such. They reject return guarantees and exaggerated effect. Direct BIGO Ads agreement, so ask us about your product. | Bigo's audit team reviews by hand. | Bigo rulesChecked 1 Nov 2026 |
Meta
- What it asks
- 18+ on cards, loans and insurance. A licence where the country requires one, and Meta may review it. No payday loans, paycheck advances, bail bonds, binary options, CFDs or ICOs, and no loan of 90 days or less. US investment ads only from accredited brokerages or licensed advisers verified by Meta, and none that steer people into a direct message.
- Who applies
- The advertiser verifies its identity and proves the licence to Meta. We prepare the file with you.
- Source
- Meta financeChecked 1 Nov 2026
- What it asks
- Verification by location, now in two steps through G2 for 24 more EEA markets. Personal loans from 61 days, with the maximum APR on the landing, and under 36% APR in the US. CFDs, spread betting and rolling spot forex in listed countries only, with a licence and Google's approval. No credit repair, no binary options.
- Who applies
- In those EEA markets, a First Party or Authorized Advertiser. A third party promoting with their approval can't apply. Agencies managing those accounts need verifying too.
- Source
- Google finance and Google G2Checked 1 Nov 2026
TikTok
- What it asks
- Market by market, with a licence and 18+. CFDs now allowed in the US and Canada through a sales rep. Forex can run in Finland, France and Germany, and not in Argentina or Chile. Payday loans closed in most markets. No get-rich-quick offers anywhere.
- Who applies
- In many markets, through a TikTok sales representative.
- Source
- TikTok financeChecked 1 Nov 2026
Snapchat
- What it asks
- Material terms in plain sight before anyone applies. Loans show APR, repayment period, fees and the lender's contact details. Offers limited to adults target 18+. Certain complex products need Snap's prior approval. No payday loans, no guaranteed returns.
- Who applies
- Not named for complex products. Ask us.
- Source
- Snapchat policy 3.6Checked 1 Nov 2026
X
- What it asks
- We confirm X case by case. Tell us the product and the market.
- Who applies
- Ask us.
- Source
- X policy
Bigo
- What it asks
- Its published rules don't mention loans or forex as such. They reject return guarantees and exaggerated effect. Direct BIGO Ads agreement, so ask us about your product.
- Who applies
- Bigo's audit team reviews by hand.
- Source
- Bigo rulesChecked 1 Nov 2026
90
A 75-day loan can run on Google and can't run on Meta.
The campaign works on Google, so on Tuesday someone copies it to Meta. Same offer, same landing, same 75 days. Google takes personal loans repaid in 61 days or longer. Meta won't run anything repaid in 90 days or less.
Nothing about the loan changed between the two tabs, and the licence was never the question.
Meta Financial and Insurance policy and Google Financial products policy, checked 1 Nov 2026.Ask about your loan term
The questions your finance team will ask about us.
Whoever signs off the payment wants a company on the other side of it. You can pay by bank transfer in EUR or USD, into a company account, and the details are public before you ever write to us. Invoices sit in the panel with your transaction history.
See when the balance runs out, before it stops.Sample dataUSD wallet$32,400$32,400
Wallet
Add fundsWhere the money sits and what is still spendable.
BALANCE
$32,400
Coverage74%
Recharge to stay covered. Send by Nov 06, 02:00 PM via SEPA, before funds run out on Nov 09, 05:10 PM.
Bank transfer · proof of payment requiredMon
Crypto · credited automaticallyToday
When it runs outSpending forecast
- Recharged$186,000
- Allocated−$153,600
- Balance$32,400
Forecast spend tomorrow$6,120
The fee, by product.
On TikTok and Snapchat, loans, cards and insurance sit in Regulated. Forex, CFDs and trading are quoted, because the number depends on the licence and the market.
Regulated is our price band. Permission is a separate step with the platform.
Meta, Google, X, Bigo. Your rate depends on vertical and volume. One message in chat gets you the number.
500+ client teams since August 2025.How we count
Ask for your rate
The Adtucon team in the office.
What a compliance lead asks first.
One client, no names.
How we countMonthly spend, first month to peak.
- MetaFinance$18.6k to $932k in 4 months
Client ad spend on Meta, TikTok and Snapchat, without our own group companies and unattributed spend, to 31 October 2026.
Does my licence work on every platform?
Not automatically. Each platform sets its own rules on regulators, products and countries. Passing Google's verification in one country tells you nothing about TikTok in the next. Send the licence and the countries and we read them against the rows above.
I am an affiliate with no licence of my own. Can I run finance offers?
Sometimes. On Google you can promote with a licensed company's approval, but you can't apply for verification yourself, they have to do it for you. On Meta the question is whether the country requires a licence. Tell us who owns the offer and we start from there.
Can I run CFDs?
Not on Meta. Google takes them in listed countries, from licensed providers or aggregators, with its approval. TikTok allows them in the US and Canada through a sales rep, and elsewhere it varies by market. Snapchat wants its prior approval for certain complex products.
Who applies for the permission?
It depends on the platform, and it's never ours to give. On Google it's the licensed company. On Meta the advertiser proves the licence. On TikTok, in many markets, it goes through a sales rep. We prepare the file with you and tell you who sends it before you top up.
Can you invoice a company and take a bank wire?
Yes. Bank transfer in EUR or USD, or USDT and USDC if you prefer, with invoices in the panel. Paying in crypto adds an exchange fee, and you get that number with your rate. The details are on our payment page.
What happens if an account falls?
Bans happen and the platform decides. You hear it from a person, with what the platform told us. We read why it happened, fix what can be fixed and resubmit with you. If the account can't come back, you get a new one at no charge. Before you top up, ask us what happens to the budget on a banned account.
Forward this to compliance, then send us the licence.
You get our answer before you top up. If the answer is no, you hear that in the same chat.
Chat on TelegramPrefer WhatsApp? We're there too.
Receipt
- A person on chat$0
- Vertical checked$0
- Licence read$0
- Account opened$0
- Account certified$0
Before your first deposit$0