Investor compensation scheme

The investor compensation scheme protects private individuals and 'small' businesses which, on the grounds of an investment service, have entrusted money or financial instruments (for example securities or options) to a licensed bank or investment firm. The investor compensation scheme provides for a refund to a maximum of € 20,000 per person.

Investor compensation in the event that the asset separation rules are violated
The AFM checks whether investment firms and banks comply with the rules for asset separation. These rules are intended to ensure that if an investment firm (for example a portfolio manager) or bank goes bankrupt, clients' investments and/or money are separated from the assets of the investment firm or bank. This avoids a situation in which clients' investments are lost in the bankrupt assets of the investment firm or bank. If an investment firm or bank does not observe the asset separation rules, the investor compensation scheme may apply.

The Dutch Central Bank (DNB)
The DNB is the body which implements the investor compensation scheme. You can contact the DNB for more information on the issues discussed. The DNB information desk can be contacted by e-mail at and by telephone on working days from 9.00 a.m. to 5.00 p.m., tel.: 0800 -020 1068 (free).