If you trade on eToro, how much of your money is protected depends on your account type and where you’re registered. If you’re in the UK, eligible clients get Financial Services Compensation Scheme (FSCS) protection. That covers you up to £85,000 if eToro ever goes under. Over in the EU, the Investor Compensation Fund (ICF) provides cover up to €20,000 per eligible client.
When you deposit funds into eToro, they don’t sit mixed in with company cash. Instead, your money lands in segregated accounts held at major banks (JP Morgan, Deutsche Bank, Coutts). This keeps your funds separate from eToro’s own assets, even if something goes wrong.
That means you stay the owner of what you put in.
Here’s how coverage stacks up, depending on where you’re based:
| Country / Region | Coverage |
| UK (eToro UK Ltd) | Protected by the FSCS up to £85,000 per person, per firm. |
| US (eToro USA Securities Inc.) | SIPC membership provides up to $500,000 in total coverage, including $250,000 for cash. |
| Europe (eToro Europe Ltd, CySEC regulated) | Protected by the Cyprus ICF, up to €20,000 per client. |
| Australia (eToro AUS Capital Ltd) | Regulated by ASIC, but there’s no official compensation scheme in place. |
On top of that, eToro gives eligible clients extra cover at no added cost. Thanks to Lloyd’s of London, you’re covered up to €1 million or AUD 1 million for cash, stocks, ETFs, and CFDs, layered on top of whatever local protection applies.
Now this protection doesn’t cover any losses from trading itself. If your investment’s market value falls, that’s on you. I always stress that trading involves risk, so know how your funds are kept and what safety nets are in place if your broker goes under.
About Mike Druttman
