Tools
Deposit protection
FSCS, FDIC, DICGC, FCS — the scheme is per legal entity, not per app icon. Pick a country. We split who is actually under it.
United Kingdom
PRA and FCA (Bank of England / FCA dual regime)
FSCS covers eligible deposits up to £85,000 per person per authorised firm
7 products on this desk name that scheme. 18 are live here without it.
Named under the scheme
- 8.6StrongRevolutFSCS up to £85,000 on UK bank balances; EMI safeguarding on e-money walletsCovered*
- 8.1StrongStarling BankFSCS up to £85,000Covered*
- 8.1StrongMonzoFSCS up to £85,000Covered*
- 7.4SolideToroFSCS on eligible UK investment firm claims (limits apply) — not a bank depositCovered*
- 7.3SolidWahedSecurities accounts, not a bank deposit scheme — SIPC/FSCS-class wrapping depends on entityCovered*
- 7.1SolidAtom bankFSCS up to £120,000 per depositor per authorised firm (scheme cap from 1 Dec 2025)Covered*
- 6.0MixedBeaconFSCS on eligible credit-union deposits if the CU is authorised — confirm live. Cap follows the scheme (£120,000 from 1 Dec 2025).Covered*
*On the entity and balance type they disclose. Always match the statement.
Live here — not that scheme
- 8.6StrongInteractive BrokersSIPC up to $500k (US entity) · local schemes on other entities — not a bank
- 8.6StrongWiseSafeguarded EMI funds in the UK — not FSCS. Local bank details may sit at partner banks.
- 8.3StrongAirwallexSafeguarded / stored-value — not a retail bank deposit scheme
- 7.9SolidKrakenCrypto not insured. Cash may be at partner banks.
- 7.8SolidRampNot a deposit account — cards and bill pay
- 7.8SolidN26German statutory scheme up to €100,000
- 7.7SolidQontoSafeguarded client funds — not FGDR bank deposits
- 7.7SolidbunqDutch DGS up to €100,000
- 7.6SolidExodusSelf-custody — you are the bank. No scheme.
- 7.5SolidCoinbaseNot FDIC on crypto. USD cash may sit at partner banks with FDIC — confirm product.
- 7.4SolidMetaMaskSelf-custody. No scheme.
- 7.3SolidGoHenrySafeguarded e-money, not FSCS
- 7.2SolidCrypto.comCrypto not insured. Card is a spend product on a crypto/fiat account.
- 7.2SolidKudaNDIC on eligible deposits at the licensed bank
- 7.1SolidWirexEMI safeguarding on fiat e-money; crypto is separate
- 6.9MixedGnosis PayOn-chain balances are not deposits. EMI safeguarding only where they hold fiat.
Is Revolut FSCS protected?+–
Only eligible UK bank balances at the authorised bank entity, up to £85,000. The e-money wallet is safeguarded, not FSCS. Read the statement, not the app icon.
Is Chime FDIC insured?+–
Chime is not a bank. Eligible deposits at The Bancorp Bank, N.A. and Stride Bank, N.A. can be FDIC insured through those banks. Confirm the current partners in the app.
Does Wise have deposit insurance?+–
No statutory deposit scheme on the Wise entity. Funds are safeguarded as e-money. Local bank details may sit at partners — that is not the same as you holding an FSCS or FDIC account at Wise.