CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Client money protection

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Client money protection

XTB Ltd is authorised and regulated by the Financial Conduct Authority. As such, we treat the protection of Client Money in strict accordance with the FCA's rules and regulations.

Protection of your funds

  • All retail Client Money is held in segregated client bank accounts in line with our obligations as a Financial Conduct Authority regulated company.
  • Your funds are held in a ring-fenced account to our own funds.
  • Your funds are protected by the Financial Services Compensation Scheme (FSCS), up to £85,000 per person in the unlikely event of our insolvency.

What does 'segregated' mean?

Segregated client money is held entirely separate from XTB's own money, ensuring that in the unlikely event of bankruptcy, client funds will be returned to the clients rather than being treated as a recoverable asset by general creditors of XTB. The money is 'ring-fenced' in separate bank accounts, which are held in trust with XTB clients as beneficiaries, and is not mixed with our own funds.

What is the Financial Services Compensation Scheme and am I eligible?

The Financial Services Compensation Scheme (FSCS) is the UK’s compensation fund of last resort for customers of authorised financial services firms. The FSCS was formed to provide extra protection to clients who may have incurred financial loss when FCA regulated firms are unable, or likely to be unable, to pay claims against them relating to business activity including deposits.

If a firm becomes insolvent or ceases trading, the FSCS may be able to pay compensation to its customers. The FSCS covers business conducted by firms authorised by the FCA.

XTB clients would fall under the ‘investments’ claim category, whereby any funds deposited with us would be 100% protected up to £85,000 per person, in the unlikely event of XTB becoming insolvent.

Were such an event to occur, to make a claim to the FSCS, you would need to contact the FSCS directly at http://www.fscs.org.uk/contact-us/.

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This content has been created by X-Trade Brokers Dom Maklerski S.A. This service is provided by X-Trade Brokers Dom Maklerski S.A. (X-Trade Brokers Brokerage House joint-stock company), with its registered office in Warsaw, at Ogrodowa 58, 00-876 Warsaw, Poland, entered in the register of entrepreneurs of the National Court Register (Krajowy Rejestr Sądowy) conducted by District Court for the Capital City of Warsaw, XII Commercial Division of the National Court Register under KRS number 0000217580, REGON number 015803782 and Tax Identification Number (NIP) 527-24-43-955, with the fully paid up share capital in the amount of PLN 5.869.181,75. X-Trade Brokers Dom Maklerski S.A. conducts brokerage activities on the basis of the license granted by Polish Securities and Exchange Commission on 8th November 2005 No. DDM-M-4021-57-1/2005 and is supervised by Polish Supervision Authority.

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