Strong & reliable

Keeping your investments safeguarded is our top priority. If anything happens to EXDEGIRO, your investments will not be treated as recoverable assets to our creditors.

Asset segregation

Keeping your investments safeguarded is our top priority. That is why we use a separate legal entity (SPV) to segregate your assets. This means they are held separately from EXDEGIRO's assets. The sole task of this entity is to administer and safeguard your investments. By law, it cannot perform any commercial activities.

Should something happen to EXDEGIRO, your investments will not be treated as recoverable assets to EXDEGIRO's creditors and will remain in the safekeeping of the separate entity. This entity holds your assets with third parties. Where possible or legally required, EXDEGIRO will require these third parties to provide for asset segregation to protect the investments of the clients of EXDEGIRO against their bankruptcy.

Rules about asset segregation are different in every country (both within and outside the EU). If there is no asset segregation in relation to 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 the file ISI – Investment Services.

How we hold your money

When you invest with EXDEGIRO, we focus on ensuring your money is safeguarded. Were you already a EXDEGIRO client before April 2024? Then your money is invested in a Money Market Fund the moment we receive it from you. If you onboarded from 1 April 2024, any money received will be held in a cash account with flatexEXDEGIRO Bank SE.

Money Market Funds

Money Market Funds are investment funds that aim to achieve a return that is equal to the regular market rate in the currency concerned, with as little risk as possible. Just as with any other investment, the value of these funds may fluctuate.

If you do not want to invest or invest less in Money Market Funds, you can invest the value into other financial instruments of your choice. Or you can instruct EXDEGIRO to transfer money back into your bank account.

All assets within Money Market Funds are held separately from the fund issuer. They are not at any risk in the event of bankruptcy of EXDEGIRO or the issuer.

Investor Compensation Scheme & Deposit Guarantee Scheme

EXDEGIRO clients' assets are segregated in separate entities. This protects them against insolvency of EXDEGIRO. In the unlikely event that the segregated assets cannot be returned to clients, EXDEGIRO falls under the German Investor Compensation Scheme. This scheme compensates any losses from non-returned assets up to 90% (with a maximum of €20,000).

Moreover, for new clients from April 2024, any money deposited in a EXDEGIRO cash account with flatexEXDEGIRO Bank SE is guaranteed up to an amount of €100,000 under the German Deposit Guarantee Scheme.

You can find information about the Investor Compensation Scheme and the Deposit Guarantee Scheme in English on the BaFin website; the site of the German Federal Financial Supervisory Authority.

Who supervises EXDEGIRO?

flatexEXDEGIRO Bank Dutch Branch, trading under the name EXDEGIRO, is the Dutch branch of flatexEXDEGIRO Bank SE. flatexEXDEGIRO Bank SE is an overseas company primarily supervised by the German financial regulator (BaFin). In the Netherlands, flatexEXDEGIRO Bank Dutch Branch is registered with DNB and supervised by AFM and DNB.

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Note:
Investing involves risks. You can lose your invested funds. This is not investment advice. Consider your knowledge and experience when making investment decisions.

Investing places your capital at risk. Read our full warning here.

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Dear investor,

Our on-boarding for new UK clients is temporarily unavailable. Our apologies for the inconvenience.

Kind regards,

EXEXDEGIRO

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Terms and conditions for the £100 transaction fees offer

If you activate your EXEXDEGIRO investment account before 1 June 2026, EXEXDEGIRO will reimburse your transaction fees up to £100. The following conditions apply to this offer:

  • The offer is valid until (including) 31 May 2026.
  • During the offer period, new clients who have activated an account will receive up to £100 in transaction fees reimbursed.
  • The first transaction costs (commission and external handling fees) up to £100 within the timeframe until 30 June 2026 will be reimbursed.
  • Currency handling fees (Auto FX trader) are not eligible to be refunded with this promotion.
  • We will reimburse the transaction costs and external handling fees you have incurred (up to a maximum of £100) to your EXEXDEGIRO account in early July 2026.
  • This offer is only valid for new clients with a UK EXEXDEGIRO account.
  • To be eligible for this offer, the new client needs to make a first deposit to validate the account (minimum deposit is £0.01) and activate their EXEXDEGIRO account.
  • New clients who started their registration before the offer period, but activate their EXEXDEGIRO account during the offer period, are also eligible for this offer.
  • If an existing account is already linked to the address of the new client, participation is excluded.
  • Each new client can only claim the £100 transaction credit once.
  • The transaction fees and handling costs are converted and reimbursed in GBP even if they were charged in EUR. The amount that will be reimbursed in GBP is calculated based on the currency exchange rate applicable on the day of reimbursement.
  • Dutch law is applicable to this promotion.

Acceptance of offer conditions

By participating in the offer, the client automatically accepts the offer conditions and terms. EXEXDEGIRO may terminate the campaign prematurely or change the campaign conditions. EXEXDEGIRO will communicate any changes via the website.

Participation

Participation in the offer is open to all clients who have activated an account at EXEXDEGIRO on or before 31 May 2026.

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