Intergiro is an e-money institution, not a bank. We do not lend customers' money, so we are not eligible to participate in deposit protection schemes. Instead, we are required under the Electronic Money Regulations 2011 (FRN 900010) to protect our clients' money by safeguarding all deposits in an account held with another financial institution. That means that, in the unlikely event that we become insolvent, client money will be unaffected and will be refunded to clients in full.