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Safety

At DEGIRO you can rest assured that your investments are held securely. DEGIRO uses a separate custodian entity to hold your assets, this means they are completely segregated from the assets of DEGIRO. The sole task of the custodian entity is to administer and safeguard your investments. By law it cannot perform any commercial activities. In the unlikely event that something is to happen to DEGIRO, your investments will not be treated as recoverable assets to DEGIRO's creditors, but will remain in the safeguarding of the custodian entity.

DEGIRO immediately exchanges (on an continuous basis) the money that you transfer to one of the Money Market Funds. The Money Market Funds are investment funds that aim, with as little risk as possible, to achieve a yield that is slightly below the regular market rate in the currency concerned. For more information concerning the investments in the Money Market Funds you can click here.

All assets within the Money Market Funds are held separately by an independent legal entity and therefor does not run any risk in the event of bankruptcy of DEGIRO or or flatexDEGIRO Bank AG.

DEGIRO clients' assets are segregated in separate entities and thus protected against an insolvency of DEGIRO. In the unlikely event that the segregated assets cannot be returned to clients DEGIRO falls under the German Investor Compensation Scheme, which compensates any losses from non-returned assets up to 90% (with a maximum of EUR 20,000).
Furthermore, any money deposited on a DEGIRO Cash Account with flatexDEGIRO Bank AG will be guaranteed up to an amount of EUR 100,000 under the German Deposit Guarantee Scheme

Information about the German Investor Protection Scheme and the German Deposit Guarantee Scheme can be found in English on the Bafin website here.

flatexDEGIRO Bank Dutch Branch, trading under the name DEGIRO, is the Dutch branch of flatexDEGIRO Bank AG. As a German regulated bank, flatexDEGIRO Bank AG is primarily supervised by the German financial regulator, the Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). The Bafin is the German equivalent of the Dutch Authority for the Financial Markets (AFM). In addition, flatexDEGIRO Bank AG falls under the indirect supervision of the European Central Bank (ECB). In the Netherlands, the Dutch Central Bank (DNB) is tasked with integrity supervision of DEGIRO and we are subject to conduct supervision by the AFM. Our registration in DNB’s public register can be viewed here.

Note: Investing involves risks. You can lose (a part of) your deposit. We advise you to only invest in financial products which match your knowledge and experience.

Note:
Investing involves risks. You can lose (a part of) your deposit. We advise you to only invest in financial products which match your knowledge and experience.