Here is how your funds and assets are further protected according to the entity you’re registered under 👇
Trading 212 UK Ltd. Protection
Cash Protection
Your uninvested cash and Cash ISA monies are protected by the Financial Services Compensation Scheme (FSCS). If a bank holding your money fails, the FSCS can protect you up to £85,000 per banking group.
This limit applies to everything you hold with the same bank, whether it is deposited through Trading 212, another provider, or in an account opened by yourself.
From 1 December, 2025, the protection for cash will increase to £120,000 per person, per banking group. You can learn more about this deposit limit protection increase here.
Investment Protection
Your investments are protected by the Financial Services Compensation Scheme (FSCS). If Trading 212 or one of the custodians holding your investments failed and your assets couldn't be returned, the FSCS can protect you up to £85,000.
This protects you should the firm fail - not if the value of your investments goes down due to market changes. You can learn more about how the FSCS operates here.
Protection schemes
Trading 212 UK Limited is a member of the Financial Services Compensation Scheme (FSCS). The FSCS is the UK’s compensation fund of last resort for customers of authorised financial services firms.
- This means that in the unlikely event Trading 212, one of its partner banks, or its custodians holding your investments were to go into liquidation and failed to safeguard your assets or money, you may be eligible for FSCS protection. The value of the protection for your money and assets is currently £85,000. On the 1st December 2025 the protection for client money will rise to £120,000 per banking counterparty, which can be seen here.
- The protection for your assets will remain the same at £85,000. This means that your client assets and funds up to that limit will be returned to you, minus the administrators’ costs in handling these. You can learn more about how the FSCS operates here.
Trading 212 Markets Ltd. Protection
Your funds and assets are protected by the Investors Compensation Fund (ICF) for up to €20,000. You can learn more about how the ICF operates here.
Trading 212 FXFlat
Your funds and assets are protected by the German Investor Compensation Scheme (EdW) for up to €20,000. Funds are safely kept in a segregated account. You can learn more about the protection scheme here.
💡 A few points to consider:
- Trading 212 has been profitable every single year since its founding 20 years ago;
- We have no debt and maintain solid cash reserves;
- Offering free fractional share dealing is cost-effective for us because we have already invested significantly in infrastructure and platform development for our CFD business over the years;
- Our sustainability does not rely on VC funding or crowdfunding;
- At Trading 212, we hold all client funds and assets in accordance with the regulations set out by the FCA, CySEC, and ASIC, respectively.
- We do not use any of our clients' funds for our own hedging or margin trading.