# Question about Trading212 entity and investor compensation scheme **URL:** \ **Category:** 💬 Trading 212 chat\ **Created:** [June 30, 2023, 2:09pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953 "2023-06-30T14:09:07Z")\ **Posts on this page:** 8\ **Page:** 1
**Author:** ![seralouk](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@seralouk](https://community.trading212.com/u/seralouk)\ **Post date:** [June 30, 2023, 2:09pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953/1 "2023-06-30T14:09:07Z")
I am in France and about to open an account. If I understand correctly, I will be under the **Trading 212 Markets Ltd entity** I then read on the website: > Trading 212 Markets Ltd. is registered in Cyprus, authorised and regulated by the Cyprus Securities and Exchange Commission, CySEC ([License number 398/21](https://www.cysec.gov.cy/en-GB/entities/investment-firms/cypriot/89835/)). In terms of assets, what is the max compensation in case of failure of trading 212? I know for cash is 100K. ---
**Author:** ![B.E](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/b.e/32/12286_2.png) [@B.E](https://community.trading212.com/u/B.E)\ **Post date:** [June 30, 2023, 2:24pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953/2 "2023-06-30T14:24:16Z")
> [@seralouk](#): > > n terms of assets, what is the max compensation in case of failure of trading 212? Your client funds & assets are protected up to a maximum of €20k, with an additional free private insurance from Lloyd’s of London, giving coverage of up to 1 million Euro. ---
**Author:** ![RLX](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/rlx/32/7051_2.png) [@RLX](https://community.trading212.com/u/RLX)\ **Post date:** [June 30, 2023, 2:26pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953/3 "2023-06-30T14:26:29Z")
You could have a look on the Help section (a tip for the future other questions): > **[How is my money safety guaranteed?](https://helpcentre.trading212.com/hc/en-us/articles/360007315158-How-is-my-money-safety-guaranteed-)** > > 📝 We’d like to start off with a few notes to take into account: > > Trading 212 has been profitable every single year since its founding 20 years ago. > We have no debt and maintain solid cash reserves.... > **[Trading 212 CY - Funds and assets protection](https://helpcentre.trading212.com/hc/en-us/articles/10745031931165-Trading-212-CY-Funds-and-assets-protection-)** > > Funds protection > Client money > At Trading 212, we handle all client funds (money held on behalf of clients) in accordance with the regulations set out by the CySEC Directive DI87-01 (par.6) on the S... ---
**Author:** ![RLX](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/rlx/32/7051_2.png) [@RLX](https://community.trading212.com/u/RLX)\ **Post date:** [June 30, 2023, 2:34pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953/4 "2023-06-30T14:34:10Z")
> [@seralouk](#): > > I know for cash is 100K. That is for deposit accounts in EU banks. With Trading 212 you have a trading account. 😉 ---
**Author:** ![seralouk](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@seralouk](https://community.trading212.com/u/seralouk)\ **Post date:** [June 30, 2023, 2:48pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953/5 "2023-06-30T14:48:55Z")
Interesting. So assets are then covered up to 1M by this private insurance. ---
**Author:** ![seralouk](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@seralouk](https://community.trading212.com/u/seralouk)\ **Post date:** [June 30, 2023, 2:50pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953/6 "2023-06-30T14:50:33Z")
Are you sure? Each brokerage account has a dedicated cash account linked to it for the client. Thus, cash deposits sit on a cash account insured up to 100K. Then, assets are within the brokerage account in SPVs usually. ---
**Author:** ![RLX](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/rlx/32/7051_2.png) [@RLX](https://community.trading212.com/u/RLX)\ **Post date:** [June 30, 2023, 3:22pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953/7 "2023-06-30T15:22:09Z")
Maybe in other brokers, have a “cash account”, if you are speaking about a bank account (not mentioning those brokers in here). 😉 Please read the above Help links, it’s better explained there. Many brokers don’t have an individual cash account for each customer. There is an omnibus bank deposit account, as probably you already saw when transferred money to T212. Bottom-line: We don’t have a personal/individual bank account and due to that no personal IBAN. ---
**Author:** ![seralouk](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@seralouk](https://community.trading212.com/u/seralouk)\ **Post date:** [June 30, 2023, 3:35pm UTC](https://community.trading212.com/t/question-about-trading212-entity-and-investor-compensation-scheme/62953/8 "2023-06-30T15:35:49Z")
Clear thanks for the feedback and links