Your money is held in segregated client bank (independent trust) accounts at regulated banks
Your money and assets (shares, for example) are never merged with IG’s own money or assets
Licensed to conduct investment business by the Bermuda Monetary Authority
Your money and assets are ring-fenced from creditors in the unlikely event that IG goes into liquidation
IG doesn’t use your money for business activities, including for hedging trades with other counterparties (or as margin for our own hedging trades)
What does IG do with my money?
Unlike banks, investment firms like IG are required to separate client money and assets from their own resources. This means that we’re not allowed to use them in the course of our business activities, and that client money is completely ring-fenced and protected in the unlikely event that IG became insolvent.
IG is authorised to conduct investment business by the Bermuda Monetary Authority (BMA). The BMA requires the firms they supervise to hold client funds in accounts separate to their own.
What happens to the money I deposit with IG?
Your money is held in segregated bank accounts under trustee arrangements. This ensures that the cash remains yours, rather than IG’s. It also means that it’s easily identifiable as client money, so IG and its creditors don’t have any charge, liens, or rights of set-off or retention over it.
We have a number of segregated bank accounts at a range of credit-worthy high street banks such as HSBC. We intentionally ensure that client money is split between a number of banks, and we’re not permitted to hold it all in one place.
We may place funds in notice or term deposit accounts with a notice period or term of up to 95 days. Placing client money in notice or term deposit accounts does not in itself affect your ability to deal with or withdraw funds from your account with us, however, in the unlikely event of insolvency of IG, such amounts may not be immediately available upon request.
What happens to my money if IG goes into liquidation?
As all deposits lodged with us are held in trust for you in a regulated trust account, in such circumstances those deposits would attract all legal protections afforded to trust money.
Net unrealised running profits are also held in trust by us and would normally be similarly protected for your benefit as beneficial owner.
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