CFDs are a leveraged product and can result in losses that exceed deposits. Trading CFDs may not be suitable for everyone, so please ensure you fully understand the risks and take care to manage your exposure.
Established in 1974
Over 185,000 clients worldwide
15,000 markets worldwide

Protecting your money

We protect all our clients' funds, and we never use client money for hedging purposes.

What does 'segregated' mean?

Segregated client money is held entirely separate from IG's own money, ensuring that in the event of default by IG, client funds will be returned to the clients rather than being treated as a recoverable asset by general creditors of IG.

The money is 'ring-fenced' in separate bank accounts which are held in trust with the clients as the beneficiaries, and is not mixed with IG’s own funds.

What happens to my funds?

Funds transferred from an individual client to IG will usually be received directly into a segregated client bank account.

If money from an individual client is received into a general IG account it is still considered to be client money from the time it reaches IG’s accounts (rather than only being considered client money once it has been placed into a segregated client account).

IG uses only its own funds for hedging and does not pass client money to hedging counterparties or to any part of the business as working capital. IG does not initiate speculative positions in the market. IG is debt-free, with substantial liquidity and capital reserves significantly in excess of regulatory requirements.

IG also has a ‘Client Money Committee’ which is responsible for ensuring the client money regulations are being adhered to in all IG Group entities, as well as reviewing and evaluating all the client money controls and procedures. The Committee meets monthly.

In addition, we have engaged PricewaterhouseCoopers LLP to conduct an independent review of our controls and procedures for client money calculation and segregation. By commissioning this report we have taken an additional step, over and above standard audit checks and our regulators’ reporting requirements. The report is freely available to clients – please  email us if you would like a copy.

Where does IG hold my funds?

All money held on behalf of clients is held in accounts with a diverse range of banks.

Are there any additional safeguards in place regarding client money?

IG’s client money processes and compliance with DFSA rules are audited annually by its statutory auditors, and then reported to the DFSA. IG is also required to file an annual Client Money Auditor Report to DFSA.

IG Group Holdings plc, the parent of IG Group, is listed on the London Stock Exchange and is a constituent of the FTSE 250 index. It has a current market capitalisation of approximately £2.1bn (31 May 2017) and capital resources for the year ended May 2016 of £446.7 million. An unrivaled balance sheet and adherence to both London Stock Exchange and Financial Conduct Authority rules afford clients the security, resources and stability of a multinational organisation.

Client money procedure

  • All retail and professional clients money is held in segregated client bank accounts in accordance with the DFSA's client money rules
  • All money held on behalf of clients is distributed across a diverse range of banks
  • IG only uses its own funds for hedging
  • IG does not pass segregated client money through to hedging counterparties
  • IG is not an investment bank
  • IG does not initiate speculative positions in the market
  • IG has no exposure to corporate debt
  • IG Limited is regulated by the DFSA
  • IG Limited is owned by IG Group Holdings plc – a FTSE 250 company listed on the LSE


Are my funds held on a segregated basis?

When a client opens an account with IG, they will be categorised as either a retail client or a professional client – and IG will inform them of this categorisation. All individual client funds, irrespective of classification, will be segregated, in accordance with the Dubai Financial Services Authority (DFSA) rules surrounding client money.

What happens if IG goes into liquidation?

If IG goes into liquidation, clients whose funds were held in segregated accounts would have their share of the segregated money pool returned, minus the administrators’ costs in handling and distributing these funds.

If there was a shortfall then individuals (and some smaller companies) may be eligible for compensation from the Financial Services Compensation Scheme.

What happens if a bank holding client money on behalf of IG goes into liquidation?

Selection of banking counterparties will only take place once a full risk assessment has been undertaken, and all banks are monitored on an ongoing basis and fully reviewed semi-annually, to ensure that they continue to meet the requirements of the DFSA’s rules and IG’s own policy on banks holding client money.

Any losses would be shared by clients in proportion to their share of the total amount held with a bank which has failed.

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Contact us

Our office is open 5 days a week, Sunday to Thursday from 8am to 7pm (Dubai time). Support line is available 24hrs a day, 7 days a week, except for Saturday from 1am to 11am (Dubai time).

+971 (0) 4 559 2108

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CFDs are a leveraged product and can result in losses that exceed deposits. Trading CFDs may not be suitable for everyone, so please ensure you fully understand the risks and take care to manage your exposure.