Strong & reliable
Keeping your investments and money safeguarded is our top priority.
If anything happens to DEGIRO, your investments are not treated as recoverable assets by our creditors.
In addition, when you open an investment account with us, we also open a bank account (Cash Account) in your name at flatexDEGIRO Bank SE. Your non-invested money, up to € 100'000, is protected under the German Deposit Guarantee Scheme.
Asset segregation
We use a separate legal entity (SPV) to hold your assets. The sole task of this entity is the administration and safeguarding of your investments. By law, it cannot perform any commercial activities.
Should anything happen to DEGIRO, your investments will not be treated as recoverable assets by DEGIRO's creditors. They remain in the safekeeping of the SPV. It holds your assets with third parties. Where possible or legally required, DEGIRO will ask these third parties to provide for asset segregation.
This way, your investments are also safeguarded against any solvency issues at these third parties. Rules about asset segregation are different in every country, both within and outside the European Union. Please note: if a third party in the custody chain has not organised asset segregation, any funds held with that third party may be lost in case of its bankruptcy. For more information, please check the file ISI – Investment Services.
Cash Account
When you register with DEGIRO, you also open a bank account (Cash Account) with flatexDEGIRO Bank SE. Your non-invested money is held in this separate personal bank account with its own IBAN. This ensures that your money is guaranteed up to € 100'000 under the German Deposit Guarantee Scheme.
Your Cash Account is directly linked to your DEGIRO investment account. You are not able to use this cash account for other banking matters. You can only use it to hold money so that it is readily available for trading on your DEGIRO investment account.
Investor Compensation Scheme & Deposit Guarantee Scheme
As said, your assets are segregated in separate entities. This protects them against insolvency of DEGIRO. In the unlikely event that the segregated assets cannot be returned to our clients, DEGIRO falls under the German Investor Compensation Scheme. This scheme compensates any losses from non-returned assets up to 90% (with a maximum of € 20'000).
Moreover, any money deposited in a DEGIRO Cash Account with flatexDEGIRO Bank SE is guaranteed up to € 100'000 under the German Deposit Guarantee Scheme.
You can find information about the Investor Compensation Scheme and the Deposit Guarantee Scheme in English on the BaFin website; the site of the German Federal Financial Supervisory Authority.
Who supervises DEGIRO?
flatexDEGIRO Bank Dutch Branch, trading under the name DEGIRO, is the Dutch branch of flatexDEGIRO Bank SE. flatexDEGIRO Bank SE is primarily supervised by the German financial regulator (BaFin). In the Netherlands, flatexDEGIRO Bank Dutch Branch is registered with DNB and supervised by AFM and DNB.
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Note:
Investing involves risks. You can lose your invested funds. This is not investment advice. Consider your knowledge and experience when making investment decisions.
Investing involves risks.