A broker’s app balance is not the same as a bank deposit. Securities custody, uninvested cash and compensation schemes follow different rules.
OUR METHODSources → assumptions → European context → verdict
Segregated custody
Client securities are generally intended to be separated from the broker’s own assets, but structure and jurisdiction should be verified in official documents.
Cash protection
Uninvested cash may sit with a partner bank, money-market product or broker structure. The applicable protection depends on where and how it is held.
The safety checklist
Confirm regulator, legal entity, custody model, cash arrangement, transfer process and compensation regime before funding an account.
Educational illustration only—not personal financial, tax or investment advice. Tax, salary, broker and market figures change; verify current local information before acting.