Safe & Reliable

We make sure that all of your investments are kept safe. In the event something would happen to DEGIRO, your investments will not be treated as recoverable assets to creditors. In addition, we are part of a bank (flatexDEGIRO Bank AG) and your non-invested money is protected up to €100,000 under the German Deposit Guarantee Scheme.

Asset segregation

At DEGIRO you can rest assured that your investments are held securely. We use a separate legal entity (SPV) to hold your assets. This means they are held separate from the assets of DEGIRO. The sole task of this entity is to administer and safeguard your investments. By law, it cannot perform any commercial activities. In the event that something would happen to DEGIRO, your investments will not be treated as recoverable assets to creditors and will remain in the safekeeping of the separate entity. This entity will hold your assets with third parties. Where possible or legally required, DEGIRO will require these third parties to provide for asset segregation to protect the investments of our clients against their bankruptcy. Rules concerning asset segregation are different in every country (both within the EU and outside the EU). If there is no asset segregation concerning a third party in the custody chain, then the financial instruments held with that third party might be lost in case of the bankruptcy of that party. For more information, please see ISI – Investment Services.

Cash Account

When you register with DEGIRO, you will also open a bank account (Cash Account) with flatexDEGIRO Bank. Your uninvested money will then be held in a segregated personal bank account with a personal IBAN. This means your money is then also guaranteed up to €100,000 as the relevant German Deposit Guarantee Scheme (Entschädigungseinrichtung deutscher Banken) applies. Your new Cash Account will be directly connected to your existing DEGIRO investment account. It is not possible to use this Cash Account for other banking matters. You can only use it to hold money so that it is readily available for investments on your DEGIRO account.

Securities lending

When you become a client, you give DEGIRO the right to lend out your securities. This is done to be able to facilitate going short; ‘Debit Securities’. The risks of Securities Lending are managed as follows:

- Firstly, DEGIRO (and not the borrowing party) is the ‘counterparty’ and therefore guarantees the timely return of the lent assets with its equity.

- Furthermore, DEGIRO requires security from the borrowing party. This is provided by the right of pledge that DEGIRO has on the balance of that client and the borrowed assets are included in the continual risk monitoring of DEGIRO.

- Damage for a client whose assets are lent therefore arises only at the moment when both the borrowing party and DEGIRO are no longer able to meet their obligations (i.e. are bankrupt) and the value of the asset has fallen or the value of the Lent Securities has risen. The amount of the damage is limited to the difference in value between the Lent Securities and the security provided by the borrower.

Investor Compensation Scheme & Deposit Guarantee Scheme

As a client, your assets are segregated in separate entities and thus protected against the 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.

Who supervises DEGIRO?

The flatexDEGIRO Bank Dutch Branch, which operates under the name DEGIRO, is the Dutch branch of flatexDEGIRO Bank AG. flatexDEGIRO Bank AG is primarily supervised by the German Federal Financial Supervisory Authority (BaFin). In the Netherlands, flatexDEGIRO Bank Dutch Branch is subject to integrity supervision by DNB and the supervision of AFM.

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