FSCS protection

Your cash held with ii is treated as client money under FCA rules. It’s held in bank accounts designated for client money with trusted UK banks, separate from ii’s own business accounts.

We carefully assess every bank we use and only place client money with institutions covered by the FSCS deposit protection scheme. We also spread your cash across multiple banks to reduce exposure to any single institution.

If one of those banks were to fail, eligible customers may be protected up to £120,000 per person, per bank. This limit includes any money you hold with the same bank directly or through other account providers.

Your investments are held by Interactive Investor Services Limited and registered under Interactive Investor Services Nominees Limited or another appointed custodian for overseas securities.

We oversee the custodians we use and keep these arrangements under regular review.

Your investments are held separately from ii’s own assets and have what’s known as trust status. This helps keep them protected from claims against ii in the unlikely event that we became insolvent. 

For investments held overseas, local laws, regulations and market practices may apply. As a result, the protections available in relation to those investments may differ from those that apply in the UK. Further information can be found in our Terms of Service.