What happens if DEGIRO goes bust?

Written by Editorial Team | Last Updated: August 2026

If DEGIRO were to experience corporate insolvency or bankruptcy, investor assets remain heavily protected due to strict regulatory compliance and legal asset segregation mandates. Customer financial instruments, such as stocks, exchange-traded funds, and bonds, are held by a separate legal entity known as a Special Purpose Vehicle (SPV), whose sole function is asset custody and administration. By law, this SPV cannot engage in commercial operations, meaning customer securities cannot be claimed by DEGIRO creditors. For uninvested cash balances held through flatexDEGIRO Bank SE, funds are protected up to 100000 euros under the German Deposit Guarantee Scheme. In the exceptionally rare scenario where segregated securities cannot be fully returned, clients are protected under the German Investor Compensation Scheme up to established statutory limits.

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