• Home
  • Partners
  • Help and support
  • English
Pepperstone logo
Pepperstone logo
  • Ways to trade
    • Trading accounts

      Choose from two account types depending on your strategy

    • Premium clients

      Exclusive rewards and bespoke benefits for high-vol traders

    • Pricing

      Discover our tight spreads, plus all other possble fees

    • Active trader program
    • Refer a friend
    • Trading hours
    • 24-hour trading
    • Maintenance
    • Risk management
  • Markets
    • Forex

      Get great rates on majors like EUR/USD, plus minors and exotics

    • Indices

      Enjoy 24-hour pricing on the UK100, US30 and more

    • Commodities

      Trade on metals, energies & softs, with oil spreads from 2 cents

    • Shares
    • ETFs
    • Currency indices
    • Dividends for index CFDs
    • Dividends for share CFDs
    • CFD forwards
  • Trading platforms
    • TradingView

      Trade through the world-famous supercharts with great pricing

    • MetaTrader 5

      Explore the apex in trading automation with our execution tech

    • The Pepperstone platform
    • MetaTrader4
    • CopyTrading
    • cTrader
    • Trading tools
  • Market analysis
    • Navigating markets

      Latest news and analysis from our experts

    • The Daily Fix

      Your regular round-up of key events

  • About us
    • Who we are

      Pepperstone was born from the dream of making trading better

    • Company news
    • Company awards
    • Protecting clients online
    • Trading accounts

      Choose from two account types depending on your strategy

    • Premium clients

      Exclusive rewards and bespoke benefits for high-vol traders

    • Pricing

      Discover our tight spreads, plus all other possble fees

    • Active trader program
    • Refer a friend
    • Trading hours
    • 24-hour trading
    • Maintenance
    • Risk management
    • Forex

      Get great rates on majors like EUR/USD, plus minors and exotics

    • Indices

      Enjoy 24-hour pricing on the UK100, US30 and more

    • Commodities

      Trade on metals, energies & softs, with oil spreads from 2 cents

    • Shares
    • ETFs
    • Currency indices
    • Dividends for index CFDs
    • Dividends for share CFDs
    • CFD forwards
    • TradingView

      Trade through the world-famous supercharts with great pricing

    • MetaTrader 5

      Explore the apex in trading automation with our execution tech

    • The Pepperstone platform
    • MetaTrader4
    • CopyTrading
    • cTrader
    • Trading tools
    • Navigating markets

      Latest news and analysis from our experts

    • The Daily Fix

      Your regular round-up of key events

    • Who we are

      Pepperstone was born from the dream of making trading better

    • Company news
    • Company awards
    • Protecting clients online
Trading

Are my forex funds safe with Pepperstone?

Pepperstone
Pepperstone
Trading Guides
Aug 23, 2022
Share

When you make a deposit with a broker, where are your funds held?

You might ask yourself the question ‘where are my forex funds held after I make my initial deposit?’ If you trade through a regulated forex broker, your funds will be held in a segregated account.  

Why is a segregated account important?

A segregated account is separate from the broker's main bank account(s).

A broker uses its main bank account to run its core business. This is paying its day-to-day expenses like wages, rent and running costs.

Under regulated rules, the company is not allowed to use a client's investment funds as working capital. This results in my forex funds being pooled in a segregated account with other clients.

This also results in the client funds being easier to identify should the broker fall into financial difficulties. With an increase in forex scams over the last decade, a segregated account is considered critical in deciding which broker to trade through.

Preview

Figure 1 forex trader

Is Pepperstone a regulated broker?

Pepperstone takes their professional standards and the safety of their client’s funds extremely seriously. The company includes regulated entities in various jurisdictions around the world including the Financial Conduct Authority in the UK (FCA), the Australian Securities and Investments Commission (ASIC) in Australia, the Capital Markets Authority in Kenya, the Dubai Financial Services Authority in Dubai and various others.

Pepperstone places clients’ funds across various major banks. These banks are regularly assessed to ensure further safety.

Should the unlikely event of Pepperstone liquidation occur, funds up to an amount of £85,000, may be compensated for under the Financial Services Compensation Scheme (FSCS). The FSCS acts as a ‘safety net’ for clients of FCA regulated firms, such as Pepperstone.

Other regulators have different compensation schemes in the event of financial difficulties.

If you’d like to learn more about Pepperstone, please visit our website.

The material provided here has not been prepared in accordance with legal requirements designed to promote the independence of investment research and as such is considered to be a marketing communication. Whilst it is not subject to any prohibition on dealing ahead of the dissemination of investment research we will not seek to take any advantage before providing it to our clients.

Pepperstone doesn’t represent that the material provided here is accurate, current or complete, and therefore shouldn’t be relied upon as such. The information, whether from a third party or not, isn’t to be considered as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product or instrument; or to participate in any particular trading strategy. It does not take into account readers’ financial situation or investment objectives. We advise any readers of this content to seek their own advice. Without the approval of Pepperstone, reproduction or redistribution of this information isn’t permitted.

Other sites

  • The Trade Off
  • Partners
  • Group
  • Careers

Ways to trade

  • Pricing
  • Trading Accounts
  • Premium Clients
  • Active trader program
  • Refer a friend
  • Trading hours

Platforms

  • Trading Platforms
  • Trading tools

Markets and Symbols

  • Forex
  • Shares
  • ETFs
  • Indices
  • Commodities
  • Currency indices
  • CFD Forwards

Analysis

  • Navigating Markets
  • The Daily Fix
  • Meet our Analysts

Learn to Trade

  • Trading Guides
  • Videos
  • Webinars
Pepperstone logo
support@pepperstone.com
+254203893547
The Oval | Ring Road Parklands
P.O.Box 2905-00606 | Nairobi, Kenya
  • Legal documents
  • Privacy policy
  • Website terms and conditions
  • Cookie policy
  • Sitemap

Risk Warning:

Margin trading products are complex instruments and come with a high risk of losing money rapidly due to leverage. 84% of retail investor accounts lose money when trading on margin with this provider. You should consider whether you understand how margin trading works and whether you can afford to take the high risk of losing your money. You don't own or have rights in the underlying assets. Past performance is no indication of future performance and tax laws are subject to change. The information on this website is general in nature and doesn't take into account your personal objectives, financial circumstances, or needs. Please read our PSF, RDN and other legal documents and ensure you fully understand the risks before you make any trading decisions. We encourage you to seek independent advice.

The information on this site and the products and services offered are not intended for distribution to any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation.

Pepperstone Markets Kenya Limited 2nd Floor, The Oval, Ring Road Parklands, PO Box 2905-00606 Nairobi, Kenya is licensed and regulated by the Capital Markets Authority.

© 2025 Pepperstone Markets Kenya Limited | Company No.PVT-PJU7Q8K | CMA License No.128