Client funds

How we manage your money

The funds you deposit with us are protected in line with UK regulations. Here’s why thousands of traders trust us with their money.

  • Without exception, we maintain your funds in segregated client bank accounts at regulated banks.
  • We’ll never use your money for business activities or merge it with our own money. Your funds are completely ring-fenced and protected. 
  • In the improbable event of our liquidation, your money and assets are shielded from creditors.
  • Any deficit of funds, up to a maximum of £85,000, may be eligible for compensation through the Financial Services Compensation Scheme (FSCS).
  • We’re authorised and regulated by the Financial Conduct Authority in the United Kingdom (FCA), Securities Commission of the Bahamas (SCB), Australian Securities and Investments Commission (ASIC), and Cyprus Securities and Exchange Commission (CySEC).

Separating client funds from our own

We manage your money according to strict FCA regulatory requirements known as the client money and client assets rules (found in the Client Assets Sourcebook - CASS). This means we separate client money and assets from our own resources. Furthermore, we’re not allowed to use the funds you deposit in the course of our business activities. Your money and assets are completely ring-fenced and protected in the unlikely event that we become insolvent.

The exception to this segregation of funds is the case of title transfer, where professional clients have signed a legal document setting out how their funds and/or assets are held.

When you deposit with Capital.com, what happens to your money?

When you make a deposit with us, your funds are placed into segregated bank accounts managed through trustee arrangements. This guarantees that the money remains your property and doesn’t become part of our assets. Moreover, this arrangement ensures that the funds are easily identifiable as belonging to clients, preventing Capital.com and its creditors from asserting any charge, liens, or rights of set-off or retention over them.

We maintain numerous segregated bank accounts with a variety of reputable and creditworthy institutions. It’s our policy to divide client funds between a number of banks, and we’re not allowed to consolidate them in a single location. We regularly monitor the institutions that we hold client funds with, and we conduct daily monitoring and reconciliation of client balances, promptly transferring funds to client accounts as required.

It’s important to understand that the money you deposit is still yours to do with what you like. If you choose not to trade with it, you are free to withdraw some or all of it back through the same method you used to deposit without any additional costs or fees.

What happens to your money or assets if Capital.com goes into liquidation?

In the improbable scenario of our liquidation, all our clients will receive their portion of the segregated funds or segregated assets returned to them, with the deduction of administrators' expenses for managing and distributing these funds.

It’s important to reiterate that any deficit of funds, up to a maximum of £85,000, may be eligible for compensation through the FSCS. The FSCS serves as the last-resort compensation fund for customers of authorised financial services firms. It is established by the UK government to serve as a ‘safety net’ and typically provides coverage to individual investors (retail clients) and small businesses in case they have been clients of a financial services firm that goes insolvent.

What happens to your funds if one of the banks Capital.com uses to hold client money goes into liquidation?

In the event that one of the banks we use to hold client funds undergoes liquidation, the losses incurred would be distributed among clients based on the proportion of funds held with the bank in question. 

Any funds lost in this manner may potentially be eligible for compensation through the FSCS, up to a maximum limit of £85,000 per individual, per institution, taking into consideration any other balances held with the same bank.

For more details regarding what the FSCS covers and who is eligible to make a claim, please visit its website. This webpage should provide you with essential information, but if you have any further inquiries, you can reach out to us via WhatsApp, consult our help centre or email us at support@capital.com.

Learn more about us

If you’re interested in exploring more about who we are, visit the pages below.

  • Why trade with us? Discover why over 630,000+ traders have chosen Capital.com as their broker. 

  • How we make money. Learn more about our business model and how we make our money.

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