How Your Funds Are Protected
Your funds are held in segregated accounts and managed in accordance with strict regulatory standards, ensuring transparency and protection at every step.
Common Questions About Fund Protection
Your assets are kept separate from our own
All investments in your Invest account are safeguarded by our appointed custody partners, including Interactive Brokers, one of the world’s largest electronic brokers, and the Bank of New York Mellon, the world’s largest custodian bank. Like the client money banks, we appoint and review the custodians and monitor them on an ongoing basis to ensure they remain appropriate to hold client-safe custody assets. These partners are responsible for securely holding your investments in segregated accounts, meaning your assets are always kept separate from ours.
Even if we or our custody partners were to fail, your investments remain protected and will be accessible to you. This segregation of assets ensures that your investments belong solely to you, and neither we nor our partners can access or use them for any purpose.
How we protect the cash in your Invest account
In addition to segregation, any uninvested cash held within your Invest account is also covered by the Financial Services Compensation Scheme (FSCS) up to £120,000. This means that, in the unlikely event that one of our partner banks were to fail, your money held with that bank would be protected up to £120,000.
It’s important to note that the £120,000 limit applies to the total amount of money you hold at each specific bank, whether it’s deposited by Grosvenor Capital Brokers, other providers, or by you directly.
Learn more about how the FSCS works here.
If you opt to earn interest on your uninvested cash, learn more about how your money is protected here.
How we protect cash linked to your Grosvenor Capital Brokers card
If you are a Grosvenor Capital Brokers Card holder, rest assured that all cash linked to your card is treated the same way as the cash in your Invest account. The Grosvenor Capital Brokers Card is issued by Paynetics UK Limited under their Electronic Money License, authorised by the Financial Conduct Authority (FCA).
While Paynetics facilitates the issuance of the card and e-money account services, they do not hold any of your cash. Instead, your funds remain securely within your Invest account, benefiting from all our protection measures, including asset segregation and regulatory safeguards. This ensures that your money is safe, easily accessible, and covered by the same protections as your Invest account.
Our partner banks
Your uninvested cash is held with banks regulated by the Financial Conduct Authority (FCA) including Barclays, NatWest and J.P. Morgan Chase. These banks participate in the Financial Services Compensation Scheme (FSCS) deposit-protection scheme, which protects deposits of up to £120,000 per person and per bank.
For a complete and up-to-date list of our partner banks, and to see how your cash is distributed between them, please refer to the “Interest on cash” section in the app.
Our custody partners
Your Invest account investments are held at:
- Interactive Brokers: One of the largest electronic brokers globally, providing investment custody services. (Learn more)
- Bank of New York Mellon: A major financial institution with a long history of safeguarding client assets. (Learn more)
Daily safeguards
We have robust daily controls in place to ensure that your investments are secure:
- Daily reconciliations: We reconcile our internal records with our custody partners daily to ensure that your investments are accurately accounted for.
- Due diligence: We conduct strict due diligence processes to verify that our custody partners meet all regulatory requirements for holding client assets safely.
- Asset segregation: Your investments are held in segregated accounts, separate from Grosvenor Capital Broker’s and our custody partners’ assets.
Auditing and oversight
- Internal audits: We conduct an annual internal audit to ensure that we meet our obligations to safeguard your investments.
- External audits: Buzzacott, an external audit firm, reviews our processes annually to confirm compliance with all asset protection obligations.
Our regulatory obligations
As an FCA-regulated broker, we follow strict rules set by the Financial Conduct Authority (FCA) regarding the protection of client investments. Specifically, we adhere to the CASS 6 regulations, which cover the safe custody of client assets, and CASS 7, which covers the segregation of client money.
Grosvenor Capital Brokers secures your Invest account thanks to our commitment to asset segregation, regulatory compliance, and continuous monitoring.
Your cash is kept separate from our own
How we protect the cash in your CFD account
Any uninvested cash in your CFD account is also protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per partner bank. This means that, in the unlikely event that one of our partner banks were to fail, your money held with that bank would be protected up to £120,000.
It’s important to note that the £120,000 limit applies to the total amount of money you hold at each specific bank, whether it’s deposited by Grosvenor Capital Brokers, other providers, or by you directly. For transparency, the percentage of your funds held at each bank is available in the app.
Learn more about how the FSCS works here.
If you opt to earn interest on your uninvested cash, you can learn more about how your money is protected here.
Our partner banks
Your uninvested cash is held with banks regulated by the Financial Conduct Authority (FCA) including Barclays, NatWest and J.P. Morgan Chase. These banks participate in the Financial Services Compensation Scheme (FSCS) deposit-protection scheme, which protects deposits of up to £120,000 per person and per bank.
For a complete and up-to-date list of our partner banks, and to see how your cash is distributed between them, please refer to the “Interest on cash” section in the app.
Daily safeguards
We implement multiple daily controls to keep your money secure:
- Daily reconciliations: We reconcile our internal records with our partner banks’ records daily to ensure that not a single penny is misplaced.
- Due diligence: We use strict due diligence processes to ensure that the banks we partner with meet all necessary regulatory requirements for holding client assets safely.
- Diversification of banks: We spread client money across multiple major banks to minimise the risk associated with any single institution.
Auditing and oversight
- Internal audits: We conduct an annual internal audit to verify that we meet all obligations related to safeguarding client money.
- External audits: Buzzacott, an external audit firm, also reviews our processes annually to ensure compliance with our asset protection obligations.
Our regulatory obligations
As a broker regulated by the Financial Conduct Authority (FCA), we are required to follow strict FCA rules on protecting client money. Specifically, we adhere to the CASS 6 regulations, which cover the safe custody of client assets, and CASS 7, which covers the segregation of client money.
Grosvenor Capital Brokers secures your CFD account thanks to our commitment to asset segregation, regulatory compliance, and continuous monitoring.
Is my money kept separate from the company and banks?
Yes. Your funds are held in segregated client money accounts and are legally ring-fenced, meaning they cannot be accessed or used by the company, partner banks, or any third party.
What happens to my cash if a partner bank fails?
Uninvested cash may be protected under the Financial Services Compensation Scheme (FSCS) up to £120,000 per bank, depending on eligibility.
How is my money monitored and safeguarded daily?
We apply daily reconciliations, strict due diligence checks, diversification across banks, and regular audits to ensure your funds remain secure.
Your assets are kept separate from our own
All investments in your Invest account are safeguarded by our appointed custody partners, including Interactive Brokers, one of the world’s largest electronic brokers, and the Bank of New York Mellon, the world’s largest custodian bank. Like the client money banks, we appoint and review the custodians and monitor them on an ongoing basis to ensure they remain appropriate to hold client-safe custody assets. These partners are responsible for securely holding your investments in segregated accounts, meaning your assets are always kept separate from ours.
Even if we or our custody partners were to fail, your investments remain protected and will be accessible to you. This segregation of assets ensures that your investments belong solely to you, and neither we nor our partners can access or use them for any purpose.
How we protect the cash in your Stocks and Shares ISA
In addition to segregation, any uninvested cash held within your Stocks and Shares ISA is also covered by the Financial Services Compensation Scheme (FSCS) up to £120,000. This means that, in the unlikely event that one of our partner banks were to fail, your money held with that bank would be protected up to £120,000.
It’s important to note that the £120,000 limit applies to the total amount of money you hold at each specific bank, whether it’s deposited by Grosvenor Capital Brokers, other providers, or by you directly.
Learn more about how the FSCS works here.
If you opt to earn interest on your uninvested cash, you can learn more about how your money is protected here.
Our partner banks
Your uninvested cash is held with banks regulated by the Financial Conduct Authority (FCA) including Barclays, NatWest and J.P. Morgan Chase. These banks participate in the Financial Services Compensation Scheme (FSCS) deposit-protection scheme, which protects deposits of up to £120,000 per person and per bank.
For a complete and up-to-date list of our partner banks, and to see how your cash is distributed between them, please refer to the “Interest on cash” section in the app.
Our custody partners
Your Stocks and Shares ISA investments are held at:
- Interactive Brokers: One of the largest electronic brokers globally, providing investment custody services. (Learn more)
- Bank of New York Mellon: A major financial institution with a long history of safeguarding client assets. (Learn more)
Daily safeguards
We have robust daily controls in place to ensure that your investments are secure:
- Daily reconciliations: We reconcile our internal records with our custody partners daily to ensure that your investments are accurately accounted for.
- Due diligence: We conduct strict due diligence processes to verify that our custody partners meet all regulatory requirements for holding client assets safely.
- Asset segregation: Your investments are held in segregated accounts, separate from Grosvenor Capital Broker’s and our custody partners’ assets.
Auditing and oversight
- Internal audits: We conduct an annual internal audit to ensure that we meet our obligations to safeguard your investments.
- External audits: Buzzacott, an external audit firm, reviews our processes annually to confirm compliance with all asset protection obligations.
Our regulatory obligations
As an FCA-regulated broker, we follow strict rules set by the Financial Conduct Authority (FCA) regarding the protection of client investments. Specifically, we adhere to the CASS 6 regulations, which cover the safe custody of client assets, and CASS 7, which covers the segregation of client money.
Grosvenor Capital Brokers secures your Stocks and Shares ISA thanks to our commitment to asset segregation, regulatory compliance, and continuous monitoring.
What happens to my investments if something goes wrong?
Your investments remain protected and accessible, as they are held separately through custody arrangements and are not part of the company’s assets.
Who holds and safeguards my ISA investments?
Your investments are held by appointed custody partners, while we continuously monitor and review these arrangements to ensure they meet strict regulatory and safety standards.
How are both my investments and cash protected?
Your investments are protected through custody and segregation, while uninvested cash is held with regulated banks and may be covered under applicable compensation schemes.
Your cash is kept separate from our own
FSCS protection
Your money is also protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per partner bank. This means that, in the unlikely event that one of our appointed partner banks fails, your money held with that bank is protected up to this limit.
It’s important to note that the £120,000 limit applies to the total amount of money you hold at each specific bank, whether it’s deposited by Grosvenor Capital Brokers, other providers, or by you directly.
Learn more about how the FSCS works here.
Our partner banks
Your uninvested cash is held with banks regulated by the Financial Conduct Authority (FCA) including Barclays, NatWest and J.P. Morgan Chase. These banks participate in the Financial Services Compensation Scheme (FSCS) deposit-protection scheme, which protects deposits of up to £120,000 per person and per bank.
For a complete and up-to-date list of our partner banks, and to see how your cash is distributed between them, please refer to the “Interest on cash” section in the app.
Daily safeguards
We implement multiple daily controls to keep your money secure:
- Daily reconciliations: We reconcile our internal records with our partner banks’ records daily to ensure that not a single penny is misplaced.
- Due diligence: We use strict due diligence processes to ensure that the banks we partner with meet all necessary regulatory requirements for holding client assets safely.
- Diversification of banks: We spread client money across multiple major banks to minimise the risk associated with any single institution.
Auditing and oversight
- Internal audits: We conduct an annual internal audit to verify that we meet all obligations related to safeguarding client assets.
- External audits: Buzzacott, an external audit firm, also reviews our processes annually to ensure compliance with our asset protection obligations.
Our regulatory obligations
As a broker regulated by the Financial Conduct Authority (FCA), we are required to follow strict FCA rules on protecting client money, specifically adhering to CASS 7 regulations, which govern the handling of client funds.
Grosvenor Capital Brokers secures your Cash ISA thanks to our commitment to segregation, regulatory compliance, and continuous monitoring.
Is my money kept separate and protected?
Yes. Your money is held in segregated client accounts and is legally ring-fenced, meaning it cannot be accessed or used by the company, partner banks, or any third party.
What happens if a partner bank fails?
Your funds may be protected under the Financial Services Compensation Scheme (FSCS) up to £120,000 per bank, depending on eligibility.
How is my cash safeguarded on an ongoing basis?
We apply daily reconciliations, strict due diligence checks, diversification across banks, and regular audits to ensure your money remains secure.
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Global regulation
Years of Experience
Your funds are protected and regulated
We operate under strict regulatory oversight and keep client funds segregated from company assets to ensure maximum protection.
- Regulated by the FCA
- Negative balance protection
- Strict compliance and risk controls
- Segregated client funds
