Yes - your money is safe with Intergiro. Intergiro is an Electronic Money Institution, regulated in Sweden by Finansinspektionen (The Swedish Financial Supervisory Authority) under the Swedish Electronic Money Act (2011:755), License Reference: 48003, for the issuing of electronic money. We are required by law to protect clients money by safeguarding it with a bank, segregated from Intergiro's own funds. That means, in the unlikely event that Intergiro becomes insolvent, client money will be unaffected and will be refunded to clients.