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Safety and Security

If something happens to DEGIRO, are my investments protected?

Answer

In the event that something were to happen to DEGIRO, the segregation of client assets ensures that your funds and positions will not be affected. Client assets are held separately from DEGIRO assets, and are not treated as recoverable assets to DEGIRO's creditors. In the event that something happens to DEGIRO, your assets will still belong to you.

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 €20,000).

A common misconception is that the €20,000 cap on the German Investor Compensation Scheme means that if something were to happen to DEGIRO (for example in the case of bankruptcy) investors who hold more than €20,000 in DEGIRO will lose everything over that amount.

However, this is not the case. Asset segregation is in place to protect client assets in events such as these. 

The investor protection scheme only comes into effect in the case that DEGIRO is found to have failed to take sufficient measures to protect client assets, or in the case of fraud on the part of DEGIRO.

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DEGIRO is the first wholesale broker for private investors. An online investment platform for all types of investors. DEGIRO enables its customers to invest worldwide at unprecedented low rates. DEGIRO is investing globally for everyone. Previously, investing was often limited to stock exchanges in Europe or the United States. Through one platform, all DEGIRO investors gain access to products and markets worldwide. This means that private investors can spread their investments much better. DEGIRO fits perfectly with the investor who manages his business online. For us, customers do not pay for the salary of unnecessary staff. DEGIRO takes away the last difference between professional and private investors; the fees. Essential for the return of private investors.

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