Best Brokers With Segregated Accounts 2025
Explore our top brokers with segregated accounts, where your funds are protected from company liabilities and kept separate, offering security and peace of mind.
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1eToro is a platform for social investing that provides options for both short and long-term trading on stocks, ETFs, options, and crypto. The platform is recognized for its easy-to-use, community-oriented interface and reasonable fees. With oversight from FINRA and SIPC, and used by millions globally, eToro is a reputed name in the industry. Trading on eToro is facilitated by eToro USA Securities, Inc.
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2Interactive Brokers (IBKR) is a top brokerage firm offering access to 150 markets in 33 countries and a range of investment services. With 40 years in the field, this company listed on Nasdaq strictly follows the rules set by authorities such as the SEC, FCA, CIRO, and SFC. It's recognized as one of the most reliable brokers for global trading.
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3Plus500US, a reputable broker since 2021, is authorized by the CFTC and NFA. It offers futures trading on forex, indices, commodities, cryptocurrencies, and interest rates. With a quick 10-minute signup, a $100 minimum deposit, and an easy-to-use web platform, Plus500 is enhancing its services for traders in the US.
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4Capitalcore is a foreign trading broker located in Saint Vincent and the Grenadines, founded in 2019. It offers four account types (Classic, Silver, Gold, VIP), which provide decreasing spreads and increasing bonuses as traders upgrade. The broker's standout features are its high leverage up to 1:2000 and no swap fees. However, these benefits do not make up for its insufficient monitoring from the IFSA and lackluster educational and research resources.
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5Moomoo is a regulated trading platform which is controlled by SEC. It provides a simple, cost-effective method to trade in stocks, ETFs, and various assets from China, Hong Kong, Singapore, the US, and Australia. They provide the option for margin trading, along with no deposit account and several bonus options.
Compare The Best Brokers With Segregated Accounts Across Key Features
We reviewed the top brokers offering segregated accounts - here’s how they compare across essential features:
| Broker |  |
USD Account |
Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Copy Trading |
Regulator |
Instruments |
Platforms |
Account Currencies |
Automated Trading |
AI |
Guaranteed Stop Loss |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
 |
✓ | ✓ | $100 | $10 | ✗ | ✓ | SEC, FINRA | Stocks, Options, ETFs, Crypto | eToro Trading Platform & CopyTrader | USD | ✗ | ✗ | ✗ | |
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✓ | ✓ | $0 | $100 | 1:50 | ✗ | FCA, SEC, FINRA, CFTC, CBI, CIRO, SFC, MAS, MNB, FINMA, AFM | Stocks, Options, Futures, Forex, Funds, Bonds, ETFs, Mutual Funds, CFDs, Cryptocurrencies | Trader Workstation (TWS), IBKR Desktop, GlobalTrader, Mobile, Client Portal, AlgoTrader, OmniTrader, TradingView, eSignal, TradingCentral, ProRealTime, Quantower | USD, EUR, GBP, CAD, AUD, INR, JPY, SEK, NOK, DKK, CHF, AED, HUF | Capitalise.ai & TWS API | ✓ | ✗ | |
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✓ | ✓ | $100 | 0.0 Lots | ✗ | ✗ | CFTC, NFA | Futures on Cryptocurrencies, Metals, Agriculture, Forex, Interest rates, Energy, Equity Index future contracts | WebTrader, App | USD | ✗ | ✗ | ✗ | |
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✓ | ✓ | $10 | 0.01 Lots | 1:2000 | ✗ | IFSA | Forex, Metals, Stocks, Cryptos, Futures Indices, Binary Options | WebTrader, Pro | USD | ✗ | ✗ | ✗ | |
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✓ | ✓ | $0 | $0 | 1:2 | ✗ | SEC, FINRA, MAS, ASIC, SFC | Stocks, Options, ETFs, ADRs, OTCs ,Futures | Desktop Platform, Mobile App | USD, HKD, SGD | ✗ | ✗ | ✗ | |
| Broker | |
USD Account |
Demo Account |
Minimum Deposit |
Minimum Trade |
Leverage |
Copy Trading |
Regulator |
Instruments |
Platforms |
Account Currencies |
Automated Trading |
AI |
Guaranteed Stop Loss |
How Safe Are The Top Brokers Offering Segregated Accounts?
Segregated accounts help protect your funds in case of broker insolvency. Here's how the top brokers ensure your money stays secure and separate from company capital:
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
|---|---|---|---|---|
|
✗ | ✗ | ✓ | |
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✗ | ✓ | ✓ | |
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✗ | ✗ | ✓ | |
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✗ | ✓ | ✓ | |
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✗ | ✗ | ✓ | |
| Broker | Trust Rating |
Guaranteed Stop Loss |
Negative Balance Protection |
Segregated Accounts |
Segregated Account Access On Mobile
Need to manage your trading account securely while on the move? Here’s how brokers with segregated accounts perform on mobile trading platforms:
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
|---|---|---|---|---|
|
iOS & Android | ✗ | ||
|
iOS & Android | ✓ | ||
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iOS & Android | ✗ | ||
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Android, Webtrader | ✗ | ||
|
Yes (iOS & Android) | ✗ | ||
| Broker | Mobile Apps |
iOS Rating |
Android Rating |
Smart Watch App |
Are The Top Brokers With Segregated Accounts Good For Beginners?
New to trading? Segregated accounts offer extra peace of mind. Here’s how these brokers support beginners with education, demo access, and secure client fund handling:
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
|---|---|---|---|---|---|---|---|
|
✓ | $100 | $10 | ✓ | ✗ | ||
|
✓ | $0 | $100 | ✓ | ✗ | ||
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✓ | $100 | 0.0 Lots | ✗ | ✗ | ||
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✓ | $10 | 0.01 Lots | ✗ | ✗ | ||
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✓ | $0 | $0 | ✗ | ✗ | ||
| Broker | Demo Account |
Minimum Deposit |
Minimum Trade |
Education Rating |
Support Rating |
Fractional Shares |
Demo Competitions |
Are The Top Brokers With Segregated Accounts Suitable For Experienced Traders?
Veteran traders value fund protection and reliable execution. Here’s how our top brokers with segregated accounts cater to advanced traders:
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
|---|---|---|---|---|---|---|---|---|
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✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ | ✓ |
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Capitalise.ai & TWS API | ✗ | ✗ | ✓ | ✗ | 1:50 | ✓ | ✓ |
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✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✗ | ✓ | ✗ | ✗ | ✗ | 1:2000 | ✗ | ✗ |
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✗ | ✗ | ✗ | ✗ | ✗ | 1:2 | ✗ | ✓ |
| Broker | Automated Trading |
VPS |
API |
AI |
Pro Account |
Leverage |
Low Latency |
Extended Hours |
Accounts Comparison
Compare the trading accounts offered by Best Brokers With Segregated Accounts 2025.
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
|---|---|---|---|---|---|---|---|---|---|
|
✓ | USD: 4.9% | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
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✓ | USD: 4.8%, GBP: 4.7% | ✗ | ✓ | ✓ | ✗ | ✓ | ✗ | ✗ |
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✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
|
✓ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
|
✓ | USD: 5.1% | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Broker | Demo Account |
Interest on Cash |
Islamic Account |
Joint Account |
Managed Account |
PAMM |
MAM |
LAMM |
Pro Account |
Detailed Ratings: Best Brokers For Segregated Accounts
Explore how each broker with segregated accounts scored in our independent ratings:
| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
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| Broker | Trust |
Platforms |
Assets |
Mobile |
Fees |
Accounts |
Research |
Education |
Support |
Compare Trading Fees At Brokers With Segregated Accounts
We assessed spreads and funding costs to uncover which of our top segregated account brokers offer the most cost-effective trading experience:
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
|---|---|---|---|---|---|---|
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✓ | $10 | $0 | ✗ | BTC 0.75% | |
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✗ | $0 | 0.003 | 0.08-0.20 bps x trade value | 0.12%-0.18% | |
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✗ | $0 | ✗ | 0.75 | ✗ | |
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✗ | $0 | 1.5 (Apple) | 0.4 | $45 | |
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✗ | $0 | $0 per trade | ✗ | ✗ | |
| Broker | Cost Rating |
Fixed Spreads |
Inactivity Fee |
CFD Stocks Spread |
EUR/USD Spread |
Crypto Spread |
Which Brokers With Segregated Accounts Are Most Popular?
These firms offering segregated accounts have the highest client demand:
| Broker | Popularity |
|---|---|
| Moomoo |
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| Interactive Brokers |
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| eToro USA |
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Why Trade With eToro USA?
eToro is a top choice for traders due to its top-notch social investing and copy trading services. The broker caters well to new traders with its low deposit requirement, commission-free trading, and user-friendly platform.
Pros
- Traders can use Smart Portfolios for a simpler approach, covering multiple sectors and markets like renewable energy and artificial intelligence.
- The broker's Academy provides extensive educational resources for traders, ranging from beginners to advanced levels.
- The low minimum deposit and simple account setup allow beginners to start trading quickly.
Cons
- The exclusive terminal does not accommodate trading bots and lacks extra equity market analysis tools.
- Traders used to third-party charting tools won't find MetaTrader 4 platform integration.
- There are fewer trading options available, including only stocks, ETFs, and cryptos, compared to competitors.
Why Trade With Interactive Brokers?
Interactive Brokers is ideal for seasoned traders due to its robust charting platforms, updated data, and adaptability, especially with the IBKR Desktop application. Its exceptional pricing and advanced order features appeal to traders, and its variety of stocks remains unmatched in the market.
Pros
- Interactive Brokers has introduced ForecastTrader, a zero-commission service allowing users to trade yes/no Forecast Contracts on political, economic, and climate events. Contracts offer fixed $1 payouts, 24/6 market access, and a 3.83% APY on held positions.
- The new IBKR Desktop platform combines the advantages of TWS and adds unique tools like Option Lattice and Screeners with MultiSort to make trading accessible and impressive for traders of all levels.
- IBKR, primarily designed for skilled traders, has expanded its appeal recently by eliminating its initial $10,000 deposit requirement.
Cons
- Only one active session per account is allowed, which means you can't run the desktop version and mobile app at the same time. This can sometimes lead to a frustrating trading experience.
- IBKR offers many research tools. However, the tools are not uniformly distributed across trading platforms and the web-based 'Account Management' page, causing confusion for the users.
- Customer service may take time to respond, and there may be delays in fixing problems based on tests. It could be difficult to reach the customer service promptly.
Why Trade With Plus500US?
Plus500US is an excellent choice for beginners, offering a user-friendly platform, low trading margins, and access to the Futures Academy to improve trading skills. Its powerful tools and reliable service earned it second place in DayTrading.com's annual 'Best US Broker' award.
Pros
- Plus500US stands out for its low fees, competitive trading margins, and no charges for inactivity, live data, routing, or platform use.
- The Futures Academy is a useful resource for beginner traders due to its captivating videos and simple articles. Its unrestricted demo account is also beneficial for practicing trading strategies.
- Plus500 is a reputable publicly traded company with over 24 million traders and sponsors the Chicago Bulls.
Cons
- The private trading platform is easy to use, but doesn't have the advanced analysis tools that platforms like MetaTrader 4 do.
- Plus500US is expanding its investment options, but it currently only offers around 50+ futures and no stocks.
- Plus500US offers competitive pricing but does not have a discount program for high-volume traders, unlike brokers like Interactive Brokers.
Why Trade With Capitalcore?
Capitalcore offers up to 1:2000 leverage options and does not charge commission or swap fees. However, it lacks strong IFSA regulatory oversight and does not provide educational resources, making it less competitive than leading brokers.
Pros
- As a relatively new player in binary options, its transparent, accessible service earned second place in DayTrading.com's 2025 'Best Binary Broker' award.
- Capitalcore, unlike many brokers, provides a quick and limitless demo account for trading.
- Capitalcore now offers binary options trading for over 30 currency pairs, metals, and cryptocurrencies, featuring one-click trading and payouts up to 95%.
Cons
- During testing, the web platform showed inconsistent performance, with occasional technical issues preventing the trading platform from loading properly.
- Capitalcore is not overseen by key financial bodies and lacks a proven track record, which questions the security of client investments.
- The platform only supports its own software and does not integrate with popular trading tools like MetaTrader or cTrader. These tools offer economic news and automatic trading features.
Why Trade With Moomoo?
Moomoo is a great option for beginner and intermediate traders aiming to diversify their investment portfolio. The brokerage's app is easily navigable and the trading fees are significantly low.
Pros
- The 'Moomoo Token' produces changing passwords to enhance transaction security - a distinctive and practical safety measure for traders.
- Moomoo's insights and analytics are more comprehensive and detailed than other brands.
- The broker provides early access to trading hours before the market opens.
Cons
- The broker doesn't offer phone or live chat support, options typically provided by other brokers.
- Regrettably, even with its existing security features, this platform still lacks 2 factor authentication (2FA).
- The protection against negative balance, a standard security measure at highly regulated brokers, is not available here.
Filters
How BrokerListings.com Chose The Best Brokers With Segregated Accounts
We selected the top brokers with segregated accounts based on over 200 data points – ranging from regulatory safeguards and account structure to client fund protection policies.
Each broker on our list offers true segregated accounts, meaning client funds are kept entirely separate from the broker’s operational capital. This setup reduces counterparty risk and increases fund safety, especially in volatile market conditions.
This is distinct from brokers that claim to protect funds without adhering to full segregation standards, or those who combine client funds in pooled accounts without regulatory oversight.
What To Look For In a Segregated Broker
Save from the Start: What You’ll Pay to Open and Maintain the Account
Before you commit to any broker offering a segregated account, it’s smart to take a close look at the fees that show up on day one – and the ones that quietly appear month after month.
We always start here when we’re testing the best trading accounts and brokers because these costs, though often overlooked, can quietly erode your profits over time.
When evaluating account opening charges and ongoing maintenance fees, we pay close attention to:
- Minimum deposit requirements
- Account opening fees
- Inactivity fees
- Monthly or annual charges for maintaining the segregated account
Segregated accounts are meant to give you added peace of mind by keeping your funds separate from the broker’s operational money. But that extra layer of safety shouldn’t come with surprise costs that catch you off guard.
Top Pick for Low Setup and Maintenance Costs: Pepperstone stands out in our tests when it comes to keeping your costs down. When we opened a segregated account with them, we were pleased to find that there were zero account opening fees and no monthly maintenance charges, which isn’t always the case across the board.
Their minimum deposit is flexible, with no fixed barrier to entry for standard accounts, which makes them a strong choice if you’re trying to manage risk or start small. We also didn’t come across any sneaky inactivity fees during our testing period – another plus for long-term traders who don’t log in every day.
Pepperstone cTrader Spotware platform order ticket
How Safe Is Segregated And Who Does It Best?
When we talk about segregated accounts, safety is the real headline. The whole point of using a broker that offers segregation is to make sure your money stays your money, even if the broker runs into financial trouble.
We’ve tested this across multiple platforms, and the level of protection varies more than you might think.
Here’s what we specifically look at when evaluating how “safe” a broker’s segregated accounts are:
- Which regulatory body oversees the segregation?
- Where are client funds actually held?
- Are there independent audits or compensation schemes backing it up?
- How transparent is the broker about the process?
Some brokers offer segregation because they’re required to by law. Others go above and beyond to build trust, and that’s who we pay extra attention to.
Top Pick for Account Safety: IC Markets made a strong impression during our reviews for how seriously they treat client fund protection.
They hold client funds in segregated trust accounts at top-tier Australian banks, in line with the requirements of the Australian Securities and Investments Commission (ASIC) and Cyprus Securities and Exchange Commission (CySEC).
This means the money you deposit never gets mixed with the broker’s operational funds – it’s ring-fenced. It cannot legally be used for anything except your own trading activity or a requested withdrawal.
Segregation Without Slippage: Execution Speeds and Spread Control
Some traders worry – sometimes with good reason – that choosing a segregated account might mean slower execution or less competitive spreads. We’ve seen some brokers treat their “secure” accounts like a second-class option: safe, sure, but not exactly trader-friendly.
So when we evaluate brokers offering segregated accounts, we test whether the execution environment holds up:
- Are trades filled instantly, or are there delays?
- Are spreads wider just because you’re in a “protected” account?
- Do you have access to the same liquidity pool as other account types?
Top Pick for Efficient Execution in Segregated Accounts: FXCC made a strong case for offering the best of both worlds: security through segregation, and performance through ECN-style execution.
When we opened and tested a live ECN XL account (which includes complete client fund segregation under CySEC regulation), the first thing we noticed was the spreads – they start from 0.0 pips on major pairs. Pricing remained consistent even during peak trading windows.
Even more important, FXCC’s straight-through processing (STP) model means there’s no dealing desk intervention, which minimizes any chance of order manipulation. In our trades, we didn’t see delays or strange price jumps. Execution was fast, clean, and reliable.
Another standout feature is that FXCC doesn’t limit access to its best conditions for higher-tier accounts. Even with a segregated account and a modest deposit, you still get raw pricing, low latency, and deep liquidity access.
Segregated Funds, Integrated Platforms: Tech That Keeps Up
Segregated accounts are great for peace of mind, but they don’t mean much if the platform feels outdated, buggy, or disconnected from your account’s real-time activity.
We’ve tested numerous setups where the tech side doesn’t quite keep pace with fund protection, leaving you with clunky dashboards, delayed balance updates, or deposit confusion.
That’s why we always dig into how well a broker’s technology supports segregated accounts behind the scenes. We look at:
- How segregated balances are displayed in the platform
- Whether deposits and withdrawals reflect quickly
- If margin, P&L, and order history are properly synced
- Platform reliability and mobile access for segregated users
Because what’s the point of fund safety if the trading experience doesn’t keep up?
Top Pick for Platform Integration: When we tested XTB‘s xStation 5 platform with a segregated account under their FCA-regulated entity, it quickly became clear why they stand out.
The platform does a great job of making complex things feel simple. Your segregated balance is clearly shown, deposits are processed fast, and the dashboard updates in real-time – something that’s surprisingly inconsistent across other brokers.
Beyond that, xStation 5 offers a surprisingly sleek layout for monitoring trades, managing risk, and reviewing performance, without requiring third-party plugins or workarounds.
You get advanced charting, economic calendars, sentiment data, and account transparency in one place. Even their mobile app stayed in sync with our segregated balance and open positions, which we don’t always see.
XTB xStation platform research integration
Support Teams That Know Segregated Accounts Inside Out
It’s easy to overlook support until something goes wrong, but when you’re dealing with segregated accounts, support quality becomes critical.
Whether it’s a funding delay, a regulatory clarification, or a question about how your money is protected, you need someone on the other end who gets it, not just a chatbot that pastes policy links.
When we test broker support teams, we go beyond the basics. We reach out with fundamental questions about segregated fund policies, document requirements, and withdrawal procedures, looking for:
- Response speed and first-contact resolution
- Knowledge of how segregation is handled and where funds are kept
- Willingness to escalate complex queries without bouncing us between departments
- Access to phone, live chat, and email, with real people who understand financial compliance
We’ve had mixed experiences here, but one broker stood out.
Top Pick for Segregated Account Support: During our testing, CMC Markets’ support team handled every segregated account question we threw at them with speed and precision. Their reps knew the regulatory backing inside out – from how client funds are held under Financial Conduct Authority (FCA) rules, to how often the accounts are reconciled and audited.
What impressed us was the proactive support during account setup. Within minutes of submitting the documentation, we received a welcome call that walked us through how segregation works, the banks they use, and how to monitor our funds directly on the platform. That level of attention isn’t standard across the industry, but it should be.
Licenses and Legal Backing for Segregation
Not all segregation is created equal. Just because a broker says “your funds are safe” doesn’t mean there’s real legal enforcement behind that promise.
If the broker isn’t tightly regulated – or if they’re operating under a loose offshore entity – then segregation can become more of a marketing term than a meaningful safeguard.
So when we review the legal side of segregated accounts, here’s what we look at:
- Which regulatory bodies are involved (and what they require)
- Whether the broker operates under reputable jurisdictions (like the UK, EU, or Australia)
- The presence of compensation schemes and independent audits
- How transparently the broker presents its fund protection policy in writing
Some brokers just meet the minimum. Others take compliance seriously. IC Markets lands firmly in the second camp.
Top Pick for Legal and Regulatory Strength: IC Markets doesn’t just tick the regulatory boxes. When we reviewed their fund segregation setup, we saw robust protections in place under three key regulatory frameworks:
- ASIC – Australian Securities and Investments Commission
- CySEC – Cyprus Securities and Exchange Commission
- FSA – Financial Services Authority (Seychelles), used for global clients outside Australia/EU
Under both ASIC and CySEC licenses, IC Markets is legally required to hold client money in segregated trust accounts, separate from the company’s operational funds. That’s not just policy – it’s law. Creditors can’t touch these funds if the company goes under, and they must be reconciled on a daily basis.
What stood out in our review was how open and thorough IC Markets is about the process. Their legal disclosures clearly explain where funds are held (in top-tier banks), how often reconciliations are performed, and what happens in the event of extreme circumstances. They also outline their internal compliance protocols, which go beyond the base requirements.
And while their Seychelles license is geared toward global clients, IC Markets makes it clear on their site which entity you’re signing up under, so you’re not left guessing.
Segregated Across the Board: Account Type Availability
Here’s a trap many traders fall into: they open what looks like a solid broker account – low spreads, slick platform, decent leverage – only to discover segregated fund protection isn’t available on their account type. Some brokers limit segregation to premium tiers, institutional clients, or regulated regions only.
That’s not acceptable if you’re a retail trader looking for security across the board. So when we review a broker’s segregated account structure, we ask:
- Is fund segregation available on all account types, not just VIP or Pro?
- Is segregation guaranteed by default, or only if you request it?
- Do demo or Islamic accounts qualify?
Top Pick for Universal Segregation: One of the reasons Pepperstone continues to earn high marks from us is that they don’t gatekeep client fund protection.
Whether you’re opening a Standard Account, a Razor Account (their version of ECN-style access), or even an Islamic swap-free account, your funds are automatically held in segregated trust accounts—no special status needed.
Across the board, Pepperstone applied the same strict policy: client funds are segregated at Tier 1 banks, and this is backed by regulatory obligations under the Financial Conduct Authority (FCA), ASIC, and CySEC, respectively.
And it’s not just mentioned in the fine print – they bring this up during the onboarding process, and it’s easy to verify in your client portal. You won’t find small-print exclusions or tricky qualifiers.
Article Sources
Segregation of Customer Funds – CFTC
CASS 13.6 Segregation and the operation of client money accounts – FCA