How the investor protection works

As an investor, you are protected if your financial institution fails and is no longer able to meet its obligations under securities transactions. In this case, you are eligible to receive compensation up to a maximum of SEK 250,000.

A financial institution has a responsibility to keep its own assets separate from those of its customers. Therefore, if your financial institution fails, as a customer you are entitled to your assets. If the institution is nevertheless unable to return your assets, you will receive compensation for lost securities up to a maximum value of SEK 250,000.

The Debt Office will contact you

The Debt Office will contact you if investor protection is put into effect. However, you must submit your claim for compensation to us within one year of the date on which the institution was declared in default.

Which customers are covered?

The investor protection scheme applies to all customers, both private persons (including minors) and companies and other legal persons (such as the estate of a deceased person). If a depository account is opened in two or more people’s names, each person is counted separately. Institutions that are themselves covered by investor protection schemes are not eligible for compensation.

What assets are covered?

The protection covers the securities and money that financial institutions handle when they perform investment services for customers. Investment services include the purchase, sale or holding (deposit) of securities such as shares, bonds or derivative instruments.

How is the compensation calculated?

Your compensation is calculated based on the market value of the relevant securities at the time of the institution’s failure. Investor protection does not compensate for any changes in value of shares or other securities. The coverage is based on an EU directive, and corresponding systems exist in other EU countries.