Investico

Introduction

Faraz Financial Services (PTY) Limited, which is otherwise known as Investico, is a financial service provider based in South Africa and operates in the trading brokers industry. The company positions itself as a global giant in a multifaceted trading platform and distributes a variety of Contract for Difference (CFD) products, including digital currencies, forex, stocks, metal, and indices. Although the company projects a very ambitious philosophy in the market, it remains shrouded in secrecy because of a very limited amount of publicly available information.

Background and History

The corporate headquarters of Faraz Financial Services (PTY) Limited is based in Johannesburg, South Africa, in particular in Unit 9, 31 First Avenue East, Parktown North, Gauteng 2193. Although this firm is a local company, information concerning its early history, such as when it was founded and by whom, remains very limited. Some accounts attribute a founding date of 2002 to it in connection with a trading name called "Investico.com," but this information is marked as suspicious.

Although a transparent history is not evident, Faraz Financial Services (PTY) Limited operates under the guise of a ‘client-centric’ brokerage with an international presence. Their main objective is to deliver efficient transaction processing and advanced trading solutions, mainly operating under the name Investico.com. Nevertheless, given the fact that information is not sourced directly from them but through third-party sources, it is rather tricky to establish a conclusive developmental history or future focus.

Core Characteristics & Benefits

Faraz Financial Services (PTY) Limited is primarily a trader in CFDs on a variety of asset classes. They include digital currencies, currencies, stocks, commodities, and indices. Worth noting is the fact that this particular broker does not trade in bonds, options, or ETFs.

The firm offers a variety of accounts to meet different trader needs, such as BAISC, GOLD, PLATINUM, and VIP accounts. The firm also offers a demo account that enables potential clients to have a pre-trading experience with the platform before depositing money. The unique features include enhanced accounts for clients and efficiency in global money transfer, which are mainly linked with brand Investico.com.

Account Types Overview

Account Type Features Demo

BAISC Basic account with standard functions

GOLD Trading terms and support Available

Platinum Handling Fees & Better Services Available

VIP Best spread & advantages AVAILABLE

"Regulatory Compliance and Licensing"

Faraz Financial Services (PTY) Limited is in possession of an active license from the Financial Sector Conduct Authority of South Africa. The name of this institution is important since it can affect how an institution is viewed in South Africa. The registered license number for this company is 45518.

However, there are serious concerns with regards to the usage of the trading name Investico.com, which is not officially associated with the FSCA license. There have been concerns with regards to clone brokers and improper usage of FSCA regulation. One will need to check all credentials before dealing with this broker.

Regulator License

Financial Sector Conduct Authority (FSCA), South Africa 45518 Active License registered to Faraz Financial Services (PTY) Limited; warnings concerning the usage of clone brokers Investico.com

Trading Conditions & Platform Technology

Faraz Financial Services (PTY) Limited provides leverage support of up to 1:400. This is rather high and common among other CFD brokers targeting professional traders. Their spread charges keep varying based on accounts. They have VIP accounts with lower spread charges compared to other accounts. They include a safe online platform suitable for mobile trading with additional encryption protocols put in place since April 2025 to improve safety standards in respect to KYC/AML regulations.

Although these are advanced technology claims, information such as platform specifications with regards to support for MetaTrader 4 or MetaTrader 5 is not provided. Additionally, trade execution quality and spread requirements, which are considered high compared to market standards, have also emerged.

Trading Conditions Summary

Account Type Spread (EUR/USD

BAISC From 3.0 pips Up

GOLD 2.7 pips up to

Platinum From 2.1 pips Up to

Fees & Charges

Faraz Financial Services (PTY) Limited does not charge commissions when trading, which is a common practice among most other online CFD brokers. Some information is not readily available concerning fees associated with deposits, withdrawals, and inactivity. Some information speaks of vague charges without stating numeric figures.

Given the absence of overt statements concerning fees, prospects ought to tread with caution and inquire with the broker beforehand.

Fee Type Description

Commissions

Referral Fees,Afcft1,AFCFT

Withdrawal Fees Indefinite/No information

Inactivity Fees Unclear/undeclared

User Experience and Market Reputation

One of the most

The nature of user experience with Faraz Financial Services (PTY) Limited seems mixed, with different redflags being raised in independent reviews. The broker is known to be associated with high-risk trading, difficulty in withdrawals, aggressive recruitment methods, and possible fraudulent activity.

Additionally, the main website, https://www.investico.com/international/, is not accessible according to recent reports, making access by clients an extra challenge. Customer reviews are not available, which makes it rather hard to estimate clients' contentment level.

Recent Developments

During 2024 and early 2025, encryption protocols were put in place by Faraz Financial Services (PTY) Limited to improve data security, indicating a focus on enhanced consumer protection. Furthermore, it has been observed that they have strengthened their KYC and AML procedures to keep up with requirements.

Although these developments have improved, cautioning messages on illicit use of licenses and SHUTDOWNS due to regulation continue to crop up. The presence of issues with access to the broker’s website is a warning for potential consumers.

Conclusion

Faraz Financial Services (PTY) Limited claims to be a multi-asset online CFD broker with a passion for providing a personalized online trading experience and optimized international transaction processing. Although this online trading platform does have a valid FSCA license in South Africa, they have a connection with Investico.com which is a matter of grave concern.

Limited information, a lack of clarity in fees, and a poor user experience make it a challenge to understand this particular broker’s information. Those wishing to trade with Faraz Financial Services (PTY) Limited need to do due diligence on this service before using it.