Your investments are 100% segregated and held within a separate custodian entity.

This means all of your assets are safely segregated from DEGIRO BV, the company behind DEGIRO.

This custodian’s only tasks are the administration and safekeeping of your investments. As required by law, it performs no other activities. In the unlikely event something happens to DEGIRO, client funds will be returned to the clients rather than being treated as recoverable assets.  The money is ring-fenced, safely held in the capital of the custodian and not mixed with those of DEGIRO.  Your assets are therefore held in the safest way possible.

DEGIRO operates under the regulatory supervision of the Dutch Central Bank (DNB) and The Netherlands Financial Markets Authority (AFM).  DEGIRO is also registered with the Financial Conduct Authority no. 595455 (FCA).  


DEGIRO is an investment firm and as such is under the supervision of The Netherlands AFM (Financial Markets Authority) and prudential supervision of the Dutch Central Bank (De Nederlandsche Bank). DEGIRO is also registered with the Financial Conduct Authority no. 595455 (FCA).

Cash Fund

DEGIRO is not a bank but an investment company. A bank may use the money that clients keep with it for its own business purposes, loans to third parties and other investments. If this goes wrong, your money is lost. You therefore run a risk with the bank. For this reason the deposit guarantee system is available. Because DEGIRO is not a bank, DEGIRO may not use the money that it holds for its clients for its own investments. All money flows run via Beleggersgiro. DEGIRO immediately exchanges money that you transfer to the Central Account of Beleggersgiro for Units in one of the FundShare Cash Funds (see for further information; the prospectuses can also be viewed online here). These 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. All assets in the Cash Funds are held completely segregated by a custodian who is independent from the manager of that fund and run no risk in the event of any mandatory liquidation of DEGIRO or of the manager. Your money is therefore just as safe at DEGIRO as your investments.

Margin Cash Fund

If you hold positions at Beleggersgiro in Derivatives, Debit Money or Debit Securities, money received from or for you may be invested in a Margin Cash Fund. The Margin Cash Funds have the right to pledge their positions to third parties with whom Beleggersgiro holds the relevant positions for you in Derivatives, Debit Money or Debit Securities (see ‘Security interest for third parties’ above).