If you trade on eToro, how much of your money is protected depends on your account type and where you’re registered. If you’re in the UK, eligible clients get Financial Services Compensation Scheme (FSCS) protection. That covers you up to £85,000 if eToro ever goes under. Over in the EU, the Investor Compensation Fund (ICF) provides cover up to €20,000 per eligible client.
When you deposit funds into eToro, they don’t sit mixed in with company cash. Instead, your money lands in segregated accounts held at major banks (JP Morgan, Deutsche Bank, Coutts). This keeps your funds separate from eToro’s own assets, even if something goes wrong.
That means you stay the owner of what you put in.
Here’s how coverage stacks up, depending on where you’re based:
| Country / Region | Coverage |
| UK (eToro UK Ltd) | Protected by the FSCS up to £85,000 per person, per firm. |
| US (eToro USA Securities Inc.) | SIPC membership provides up to $500,000 in total coverage, including $250,000 for cash. |
| Europe (eToro Europe Ltd, CySEC regulated) | Protected by the Cyprus ICF—up to €20,000 per client. |
| Australia (eToro AUS Capital Ltd) | Regulated by ASIC, but there’s no official compensation scheme in place. |
On top of that, eToro gives eligible clients extra cover at no added cost. Thanks to Lloyd’s of London, you’re covered up to €1 million or AUD 1 million for cash, stocks, ETFs, and CFDs, layered on top of whatever local protection applies.
Now this protection doesn’t cover any losses from trading itself. If your investment’s market value falls, that’s on you. I always stress that trading involves risk, so know how your funds are kept and what safety nets are in place if your broker goes under.
eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs.
Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 61% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.
This communication is intended for information and educational purposes only and should not be considered investment advice or investment recommendation. Past performance is not an indication of future results.
Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk.
Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.
Crypto investments are risky and highly volatile. Tax may apply. Understand the risks here https://etoro.tw/3PI44nZ.
eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which hasbeen prepared by our partner utilizing publicly available non-entity specific information about eToro.
About Mike Druttman
