How Ebury safeguards client funds
Transact confidently on our platform knowing your funds are protected.
Transact confidently on our platform knowing your funds are protected.
Overview
This guide outlines Ebury's regulatory status and safeguarding policies. It explains how Ebury protects client funds and the specific regulatory framework governing EMIs.
Key takeaways
Our commitment to you
As an FCA-licensed Electronic Money Institution, we are legally obliged to safeguard your funds.
We safeguard your funds by keeping them in designated segregated accounts with Tier 1 banks. By ring-fencing your balances from our own business operations, we ensure your money remains protected and accessible, even if we stop trading.
These partners, which are used to hold client funds, are carefully selected and regularly reviewed based on several factors, including but not limited to reputational risk, agency ratings, service capabilities, and local market presence.
Safeguarding structure
We reconcile your funds the moment arrive and ensure they are ring-fenced in dedicated accounts within one business day.
Ebury performs daily safeguarding calculations for regulated entities, as required under relevant regulations such as the Electronic Money Regulations 2017, with further guidance in the FCA's Payment Services and Electronic Money - Our Approach document.
All safeguarding processes ensure that funds are appropriately protected in line with the client’s agreed terms and conditions and the governing regulations.
Margins
When you transfer funds as margin, they are held under a title transfer collateral arrangement to cover your financial obligations to Ebury.
This means that once we receive the funds, ownership officially transfers to us. It is important to note that in the unlikely event Ebury stops trading, you would typically be considered an unsecured creditor regarding these funds.
Deposit guarantee schemes
As an Electronic Money Institution (EMI), Ebury is regulated differently than a traditional bank. This means we don’t fall under deposit guarantee schemes like the Financial Services Compensation Scheme (FSCS).While this regulatory framework is distinct, we follow strict industry standards to ensure we manage your funds securely and transparently.
Glossaries
The information, data or views expressed here are for the exclusive use of the recipient and are subject to change without any notice. You may ask the support team or your dedicated client manager for more information on safeguarding practices, depending on your jurisdiction and regulatory requirements.
The only account you need for global reach
Transact confidently and expand in new markets with enterprise-grade security.
Helping businesses unlock their global growth potential
Ebury is one of the fastest-growing global fintechs, offering one platform for global payments and currency risk management. We provide cash management, currency risk management, flexible financing, and APIs that integrate with your existing tools. Pay, convert, collect, track, and manage it all — seamlessly, from one place.
Ebury is one of the fastest-growing global fintechs, offering one platform for global payments and currency risk management. We provide cash management, currency risk management, flexible financing, and APIs that integrate with your existing tools. Pay, convert, collect, track, and manage it all — seamlessly, from one place.
Offices Worldwide
Regulated Markets
Payments processed in 2025
Transacting clients
The information provided herein is general in nature and should not be construed as financial or investment advice. The information provided here is not legally binding. The information, data or views expressed here are for the exclusive use of the recipient and are subject to changes without any notice. You may ask the support team or your dedicated relationship manager to provide additional information regarding Ebury products.