Where your money sits, and who watches over it.

Segregated client accounts at regulated credit institutions, negative balance protection, capped leverage and daily reconciliation — the protections that matter when they are tested.

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A steel vault door with a brass handle, representing segregated client funds
Client protection
TEMPLATE — review with counsel. The licence references, entity details and compensation figures on this page are placeholders written during the build. Regulatory status is the single most heavily policed claim a broker makes: nothing here may be published until every statement has been verified against the firm’s actual authorisation and approved by a compliance officer.

Authorisation

Premium FX Ltd (registration number HE 000000) is authorised and regulated by the relevant competent authority under licence number 000/00. The firm is permitted to receive and transmit orders and to deal on its own account in financial instruments including contracts for difference. Our registered office is Level 4, Business Centre, Valletta, Malta.

Where client money sits

Segregated accounts

Client funds are held in accounts separate from the firm’s own money, at regulated credit institutions. They are not used for the firm’s operating costs.

Daily reconciliation

Client money balances are reconciled every business day, and the reconciliation is subject to external audit.

Not available to creditors

Segregated client money does not form part of the firm’s assets and is not available to its general creditors in an insolvency.

Regulatory capital

The firm holds capital above its regulatory minimum and reports its capital adequacy to the regulator on the required cycle.

Protections that apply to retail clients

  1. Negative balance protectionA retail account cannot fall below zero. Any deficit arising from a gap is written back to zero.
  2. Leverage limitsMaximum leverage is capped by asset class, from 1:30 on major currency pairs down to 1:2 on cryptocurrencies.
  3. Margin close-outPositions are closed automatically when the margin level reaches the regulatory minimum, before the balance can be exhausted.
  4. No aggressive incentivesWe do not offer trading bonuses or deposit incentives to retail clients, because they encourage larger positions than a trader intended.
  5. Standardised risk warningThe mandated warning, including our retail loss percentage, appears on every page of this site.

Investor compensation

Eligible clients may be covered by an investor compensation scheme in the event the firm cannot meet its obligations. Coverage is subject to the scheme’s own eligibility conditions and limits, applies per client rather than per account, and does not compensate trading losses — only the failure of the firm itself.

Professional client classification

Clients who satisfy the regulatory criteria may apply to be treated as elective professional clients. Doing so raises the available leverage but withdraws several protections listed above, including negative balance protection and the standardised risk warning. We assess each application against the criteria and do not treat classification as a marketing upgrade.

Complaints and redress

If something goes wrong, our complaints procedure sets out how to raise it, what we will do and how long it will take. If our final response does not resolve the matter you may be entitled to refer it to the relevant ombudsman or dispute-resolution body at no cost to you.

Trade with a regulated broker

Open an account, or read the full legal documentation first — both links stay available throughout onboarding.

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