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FCA & regulation

UK crypto regulation timeline — 2026 to 2027 explained

Quick answer: Firms can apply for FCA authorisation from September 2026. Full regulation of activities like trading platforms and custody begins October 2027. Until then, most spot crypto remains high-risk with limited FSCS protection.

UK crypto rules are changing. Promotions and anti-money-laundering registration exist today; a fuller regime arrives from October 2027.

Reviewed by Digital Assets Team
Not financial advice. This guide is general information only, fact-checked against UK government sources. It is not a personal recommendation. Cryptoassets are high-risk. You may lose all the money you invest.

What changes in 2027

Parliament has confirmed which crypto activities fall within FCA regulation — including operating trading platforms, dealing, arranging, safeguarding, staking services and issuing certain stablecoins. Firms will need FCA authorisation, not just MLR registration.

What stays the same for consumers

Crypto remains high-risk. FSCS protection will not apply to most crypto holdings even after full regulation. Always check the FCA register and read risk warnings.

Frequently asked questions

Is crypto legal after 2027?+

Yes. Regulation sets rules for firms — it does not ban individuals from owning crypto.