Risk scorecard
Each area is scored 0 (clean) to 10 (worst). Higher means more risk.
Regulation
9/10 · CriticalNo financial or brokerage licence anywhere; only a Comoros company registration, and the entity is absent from the Comoros authorised-brokerage list, while it takes client deposits.
Identity & transparency
7/10 · HighThin template site with no readable terms, no named management, an offshore mass-registration address, and a company registration that could not be verified.
Withdrawals & conduct
5/10 · ModerateTraders report withdrawal delays and refusals with a system-upgrade excuse; the fund-integrity concern is real but unconfirmed for scale and independence.
Reputation
6/10 · HighIndependent review sites classify it as unregulated and high risk; no regulator warning names the domain, and complaint specifics are limited.
Website claims
6/10 · HighBank-style naming and a linked GCB crypto-token project imply a chartered bank it is not, though it stops short of faking a top-tier licence number.
Operational history
4/10 · ModerateDomain and broker subdomains date to 2020 and 2021, so about five years of operation, but the operating company could not be dated and it remains an offshore shell.
Who they are
A quick desk file on the company behind the brand.
- Brand: Royal Chartered Bankers (also shown as RcBankers and RCB)
- Legal entity: Royal Chartered Bankers Ltd
- Registered: Bonovo Road, Fomboni, Island of Moheli, Comoros Union (company registration no. HY0042032)
- Website: rcbankers.com
- Only credential: a Comoros company registration. No financial or brokerage licence, and not listed on the Comoros (Moheli) authorised-brokerage register.
- Offers: forex, metals, crypto, indices, stocks and energies as CFDs on a MetaTrader 5 white-label platform, with tiered accounts and a reported 5,000 US dollar minimum deposit.
- Not accepted: residents of the United States.
- Age claim: the domain has been online since 2020 and the current RCB and GCB branding dates to 2025. The site states no founding year.
Regulation
Who really oversees this broker, and what each licence is worth to you.
Proof of regulation on an official register: No
We could not confirm this broker on any genuine regulator’s register.
Licences the broker publishes
Comoros (Moheli) company registrar
Why we reached this verdict
How the evidence adds up.
We rate Royal Chartered Bankers high risk for these reasons:
- No licence to hold your money. The only credential on the site is a Comoros company registration (HY0042032). A company registration is not a financial licence and gives your deposits no protection.
- Absent from the register it points to. The Comoros (Moheli) authorised-brokerage list does not include Royal Chartered Bankers, so it is not authorised to run a brokerage even in that offshore jurisdiction.
- Bank-style branding it has not earned. The names Royal Chartered Bankers and RCB, and the linked GCB crypto-token project, present the operation as a chartered bank. It holds no banking or financial licence.
- A thin website. The About, CEO, Careers, Legal Documents and Terms and Conditions links all lead back to the home page, so there are no readable terms for clients.
- Withdrawal reports. Traders report that withdrawal requests are delayed or refused, with a system-upgrade explanation. We could not independently confirm how widespread this is.
- Independent reviewers agree it is unregulated. Several broker-review sites classify it as unregulated and high risk and note the Comoros registration cannot be verified.
We did not find a regulator warning that names this website, a copied licence number, or a court record, so this is a high-risk unverified rating rather than a confirmed scam.
Note on operating history: the 6.4-year track record rests on domain registration alone. No company incorporation date could be established, so this is an upper bound rather than a confirmed age.
Evidence ledger
Every finding, with its source and how strongly it points.
E1The website footer states the only registration is a Comoros (Moheli) company, number HY0042032, at Bonovo Road, Fomboni, with no financial regulator or licence named, while the site solicits trading deposits.
E2Royal Chartered Bankers does not appear on the Comoros (Moheli) authorised-brokerage list, so it holds no brokerage authorisation even in that offshore jurisdiction.
E3An independent broker-review profile rates the operation unregulated and high risk and states the claimed Comoros registration could not be matched with the regulator.
ModerateBrokersViewE4A second independent broker directory records no regulatory authorisation, no licence number and no independent verification for this broker.
ModerateGlobeGainE5The domain rcbankers.com was registered on 3 May 2020, with client-portal and trading subdomains appearing in 2020 and 2021, indicating the operation is roughly five years old rather than newly launched.
E6On the broker's own site the About, Our CEO, Careers, Legal Documents and Terms and Conditions links all resolve back to the home page, so clients have no readable terms or company information.
ModerateRoyal Chartered Bankers websiteE7The brand Royal Chartered Bankers and the linked GCB crypto-token project present the operation as a chartered bank, although it holds no banking or financial licence.
ModerateRoyal Chartered Bankers website
The other side
The strongest case in this broker’s favour.
In fairness to the operator, several points cut the other way:
- The website has been online since 2020, and trading and client-portal subdomains have existed since 2020 and 2021. This is not a site thrown up last week.
- The platform is MetaTrader 5 supplied through a known white-label technology provider, so a real trading system exists behind the brand.
- The site is honest that its only registration is a Comoros company. It does not fake a licence number from a top-tier regulator, and it does not claim to be the licensed Cypriot bank RCB Bank Ltd.
- No financial regulator has published a warning naming rcbankers.com, and we found no enforcement action or fraud conviction against this entity.
- Some negative posts about offshore brokers are generic, and competitors do plant complaints, so the withdrawal reports should be weighed with care.
None of this makes the operation safe. Longevity and real software do not replace a licence, and an unregulated broker leaves a client with no regulator to appeal to.
What would change this
What we would need to see to revise the verdict.
Our rating would move if the facts changed:
- Lower risk: a current licence from a recognised regulator, held by Royal Chartered Bankers Ltd and listing rcbankers.com, confirmed on that regulator's own register.
- Higher risk, towards likely or confirmed scam: a regulator warning that names rcbankers.com, a copied or fabricated licence number, or a documented pattern of clients being refused withdrawals or asked to pay a fee or tax to release funds.
- Clarity on related brands: evidence tying rcbankers.com to the now-offline Royal Charter Bank site, or proof they are separate, would sharpen the picture.
Check it yourself
Official registers and warning lists. Verify every claim first-hand.
Comoros (Moheli) authorised-brokerage list
Official offshore register of authorised brokers. Royal Chartered Bankers does not appear on it.
BrokersView broker review
Independent review rating the broker unregulated and high risk.
GlobeGain broker profile
Independent profile showing no regulation or verification.
Frequently asked questions
Quick answers about this broker’s safety.
Is Royal Chartered Bankers (RCB) a scam?
We rate it high risk rather than a proven scam. It is an unregulated offshore broker in the Comoros with no verifiable licence to hold client money, and traders report withdrawal problems. We found no regulator warning naming the website, so we cannot confirm outright fraud, but the risk to your money is serious.
Is Royal Chartered Bankers a fraud?
We have no court or regulator finding of fraud against this entity, so we do not call it that. What we can say is that it takes deposits without any financial licence and that clients report blocked withdrawals. On the evidence, we assess the risk of losing your money as high.
Is Royal Chartered Bankers regulated?
No. The site shows only a Comoros (Moheli) company registration, number HY0042032, which is not a financial licence. The company does not appear on the Comoros authorised-brokerage list, and no top-tier regulator authorises it.
Can I withdraw my money from rcbankers.com?
Some traders report that withdrawal requests are delayed or refused, often with a system-upgrade explanation. Because the broker is unregulated, there is no financial regulator you can turn to if a withdrawal is blocked.
Is my money safe with Royal Chartered Bankers?
Your deposits are not protected. There is no licence, no compensation scheme and no segregation of client funds that we could verify. An offshore company registration does not protect client money.
Who owns Royal Chartered Bankers and where is it based?
The site names Royal Chartered Bankers Ltd, registered at Bonovo Road, Fomboni, on the island of Moheli in the Comoros Union. No directors or management are named on the website, and the office address is a common offshore registration address.
Is this the same as RCB Bank in Cyprus?
No. RCB Bank Ltd was a licensed Cypriot bank that surrendered its banking licence in 2022. Royal Chartered Bankers at rcbankers.com is a separate, unregulated forex broker in the Comoros, and it is also unrelated to the US community bank called RCB Bank.
How old is Royal Chartered Bankers?
The domain rcbankers.com has been online since May 2020, with broker subdomains from 2020 and 2021, so the operation is around five years old. The current RCB and GCB branding dates to 2025, and the site states no founding year.
What is the GCB project or GCB token?
The site promotes a GCB ecosystem, described elsewhere as a crypto-token project and a so-called crypto bank. A crypto token attached to an unlicensed broker adds risk rather than protection, and the grand partnership claims around it are not independently verified.
What is the minimum deposit?
The broker uses tiered accounts, and the minimum deposit is reported at around 5,000 US dollars. A high minimum with graded account levels is a common feature of aggressive offshore sales operations.
What should I check before depositing with any broker?
Look up the licence number on the regulator's own website, confirm the licensed entity name and the exact website match, and read the terms and conditions. If a broker has no licence, or you cannot find its terms, treat that as a stop sign.
What can I do if I already deposited and cannot withdraw?
Keep every record and message, stop sending more money, and do not pay any fee or tax that is demanded to release funds. Contact your bank or card provider about a chargeback and report the broker to your national financial regulator.
What we recommend
The practical takeaway from everything above.
For anyone considering this broker:
- Treat it as high risk and do not deposit money you cannot afford to lose. There is no regulator standing behind it.
- Do not be reassured by the words Bankers, Chartered or Bank in the name. Check any licence claim on the regulator's own register before sending funds.
- Be cautious of the high minimum deposit, the tiered accounts and the linked crypto-token upsell.
- If you have already deposited, save all records and messages, ask your bank or card provider about a chargeback, and report the operation to your national financial regulator.
This is an independent assessment of risk, not a legal ruling. Scores and verdicts follow the Wikilix broker-safety methodology and can change as new evidence appears. Review scores are treated with caution when a broker’s reviews look manipulated. Last reviewed September 15, 2026. If any detail here is out of date or incorrect, or you represent this broker, please contact us.
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