eToro FREE Investment Insurance of up to 1 Million

eToro FREE Investment Insurance of up to 1 Million
eToro provides its clients with free insurance purchased from Lloyd’s of London, one of the world’s leading providers of specialist insurance, giving coverage of up to 1 million Euro, GBP, or AUD (depending on the region). The insurance is given automatically to all eToro clients — there is no need to register.

The insurance covers claims of Eligible Clients (of eToro (Europe) Ltd., eToro (UK) Ltd. and eToro AUS Capital Pty Ltd.) suffering losses due to the unlikely event of eToro’s insolvency and in case of Event of Misconduct (as defined in the applicable Policy).  

The insurance covers: (i) up to 1 million Euro, GBP or AUD (depending on the regulated entity); (ii) up to the aggregate limit purchased by eToro; and (iii) subject to an excess amount (as defined per applicable Policy).

The insurance covers cash, all CFD positions, and securities. Note that cryptoassets trading (non-CFD) are not covered by the insurance, as set in the applicable Policy.


Three Layers of Protection

In the unlikely event of an eToro insolvency, eToro clients have three layers of protection.
  • The assigned liquidator: In case of insolvency, the assigned liquidator will manage eToro’s assets and money distribution among its clients, if applicable.
  • Regulatory protection: For clients under FCA or CySEC regulations, certain regulatory schemes apply (FSCS and ICF, respectively), which compensate clients in the event of insolvency and a shortfall of client funds. The FSCS (FCA) offers coverage of up to 85,000 GBP; while ICS (CySEC) offers coverage of up to 20,000 Euros.
  • Private insurance: Provided by Lloyd’s of London, this investment insurance policy covers losses suffered due to insolvency, subject to an excess amount, and up to 1 million GBP/Euro/AUD per client as described above.
eToro FREE Investment Insurance of up to 1 Million
Your Funds are Kept in a Segregated Account
eToro’s top priority is to keep its clients, and their funds, safe and secure. For this reason, every penny deposited by a client is held in a separate, segregated account. This means that even in the highly unlikely event of eToro’s insolvency, your funds will be safe.
eToro FREE Investment Insurance of up to 1 Million
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eToro FREE Investment Insurance of up to 1 Million


Which products are covered by the insurance policy?

The insurance covers cash, all CFD positions, and securities. Note that cryptoasset positions (non-CFD) are not covered by the insurance.


What does it really mean?

Each Eligible Client of eToro (Europe) Ltd., eToro (UK) Ltd. and eToro AUS Capital Pty Ltd. can claim the insurance, subject to an excess amount and to the aggregate limit purchased by eToro, as per the applicable Client’s Disclosure and Policy.


Is the eToro insurance available to all of its clients?

Yes. The insurance covers all eToro clients of eToro (Europe) Ltd., eToro (UK) Ltd. and eToro AUS Capital Pty Ltd. in case of insolvency, per the Policy and as described in the Client’s Disclosure, as applicable.


Does it have an expiry date?

The insurance offering may be withdrawn at eToro’s discretion at any point in the future.


When will the insurance be triggered?

The insurance may be triggered in the unlikely event of eToro’s insolvency.


How does eToro hold my money?

To safeguard your funds, eToro holds them in a completely segregated account in a top-tier bank.
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