All investments in your Invest account are safeguarded by our appointed custody partners, including Interactive Brokers, one of the world's largest electronic brokers, and the Bank of New York Mellon, the world’s largest custodian bank. Like the client money banks, we appoint and review the custodians and monitor them on an ongoing basis to ensure they remain appropriate to hold client-safe custody assets. These partners are responsible for securely holding your investments in segregated accounts, meaning your assets are always kept separate from ours.

Even if we or our custody partners were to fail, your investments remain protected and will be accessible to you. This segregation of assets ensures that your investments belong solely to you, and neither we nor our partners can access or use them for any purpose.

In addition to segregation, any uninvested cash held within your Invest account is also covered by the Financial Services Compensation Scheme (FSCS) up to £85,000. This means that, in the unlikely event that one of our partner banks were to fail, your money held with that bank would be protected up to £85,000.

It's important to note that the £85,000 limit applies to the total amount of money you hold at each specific bank, whether it's deposited by Trading 212, other providers, or by you directly. For transparency, the percentage of your cash held at each bank is available in the app under the "Interest on Cash" tab.

Learn more about how the FSCS works here.

If you opt to earn interest on your uninvested cash, learn more about how your money is protected here.

If you are a Trading 212 Card holder, rest assured that all cash linked to your card is treated the same way as the cash in your Invest account. The Trading 212 Card is issued by Paynetics UK Limited under their Electronic Money License, authorised by the Financial Conduct Authority (FCA).

While Paynetics facilitates the issuance of the card and e-money account services, they do not hold any of your cash. Instead, your funds remain securely within your Invest account, benefiting from all our protection measures, including asset segregation and regulatory safeguards. This ensures that your money is safe, easily accessible, and covered by the same protections as your Invest account.

We work with major, systemically important banks to keep your money safe.

Your Invest account investments are held at:

• Interactive Brokers: One of the largest electronic brokers globally, providing investment custody services. (Learn more)
• Bank of New York Mellon: A major financial institution with a long history of safeguarding client assets. (Learn more)

We have robust daily controls in place to ensure that your investments are secure:

• Daily reconciliations: We reconcile our internal records with our custody partners daily to ensure that your investments are accurately accounted for.
• Due diligence: We conduct strict due diligence processes to verify that our custody partners meet all regulatory requirements for holding client assets safely.
• Asset segregation: Your investments are held in segregated accounts, separate from Trading 212's and our custody partners' assets.

As an FCA-regulated broker, we follow strict rules set by the Financial Conduct Authority (FCA) regarding the protection of client investments. Specifically, we adhere to the CASS 6 regulations, which cover the safe custody of client assets, and CASS 7, which covers the segregation of client money.

Trading 212 secures your Invest account thanks to our commitment to asset segregation, regulatory compliance, and continuous monitoring.