Last edited: 23 Apr 2019 Those of us who liked holding share certificates and a Crest Personal Account through Campbell O'Connor are now reviewing our options. I don't like the idea of nominee accounts as the Liquidator of Murroughs was able to dip into the clients' shares to pay his fees. Degiro is the cheapest but I can't figure out how safe it is. https://www.degiro.ie/helpcenter/faq/safety/1125 Are my investments safe with DEGIRO? At DEGIRO you can rest assured that your investments are held securely. DEGIRO uses a separate custodian entity to hold your assets, this means they are completely segregated from the assets of DEGIRO. The sole task of the custodian entity is to administer and safeguard your investments. By law it cannot perform any commercial activities. In the unlikely event that something is to happen to DEGIRO, your investments will not be treated as recoverable assets to DEGIRO's creditors, but will remain in the safeguarding of the custodian entity. Is DEGIRO covered by any sort of Investor Protection Scheme? The Dutch Investor Protection Scheme (Beleggerscompensatiestelsel) is applicable, as DEGIRO is a licensed investment firm authorised by the Netherlands Authority for the Financial Markets (AFM) for the provision of investment services. This scheme protects individual clients up to €20,000. Information about the Dutch Investor Protection Scheme can be found in English on the De Nederlandsche Bank (Dutch Central Bank) website here. Who regulates DEGIRO? DEGIRO is a Netherlands based licensed investment firm and as such is under the financial supervision of The Netherlands Authority for the Financial Markets (AFM) and the Dutch Central Bank (DNB). To see our license, please check the register of the AFM here. DEGIRO performs it licensed investment services abroad from The Netherlands, under the so-called ‘MiFID passport’ or ‘MiFID-cross-border service’ regime. Looks good to me. I don't keep cash in my stockbroker account, so I am not worried about the Investor Protection Scheme.