Safety, Custody, Protection

At XSpot we place paramount importance in building trustworthy relationships with you, our client, for we cherish these relationships as our most valuable assets and do our utmost to safeguard your investments

XSpots’ operations are governed by EU and Cyprus regulations such as the European Markets in Financial Instruments Directive (MIFID II) and the Cyprus Investment Services and Activities and Regulated Markets Law of 2017 Law 87(I)/2017.

At XSpot we place paramount importance in building trustworthy relationships with you, our client, for we cherish these relationships as our most valuable assets and do our utmost to safeguard your investments.

We only keep your cash in segregated bank accounts with major credit institutions.
We use established Investment Banks to safeguard your investments
Your investments are always bought under your name and can be transferred to a custodian of your choice at any time.
Your eligible assets are covered by the Cyprus Investor Compensation Fund for extra safety.
We are regulated and supervised under ESMA authorities holding constant internal audit & regular external audits.

Segregated bank accounts

At XSpot we never mix investors’ funds and company funds. All investors’ funds are kept in segregated bank accounts of XSpot designated as ‘CLIENTS POOL ACCOUNT’ with major credit institutions with constant monitoring from auditors.
Our clients can manage their investments and cash right from our MyXSpot portal from where they can request to deposit or withdraw from/to their personal bank accounts at any time.


We are committed to safeguard your cash & investments with prominent investment banks depending on your jurisdiction, like Barclays, Maybank, Bank of Cyprus, Piraeus Bank.


Founded in 1690, with more than 83,500 employees spread across 55 countries around the world including New York, London, Singapore. Barclays Bank is one of the largest banks in the world, with total assets exceeding £1.140 trillion (Pounds sterling), with a total equity of £64.429 billion (2019) and a very strong A1/Stable credit rating with stable long term outlook from Moody’s.

Barclays has a primary listing on the London Stock Exchange and is a constituent of the FTSE 100 Index. It has a secondary listing on the New York Stock Exchange.


Maybank Kim Eng, London (FCA: 144846 ) is a wholly owned subsidiary of Maybank founded in 1972. Malayan Banking Berhad (better known as Maybank) is Malaysia's largest financial services group and today is the largest company by market capitalisation with total assets of $191.25 bln. Market Capitalisation: $24.877 bln Credit Rating A- / Stable / A-2 Standard and Poor’s Total Deposits: $126.25 bln


Founded in 1899 and headquartered in Nicosia, Bank of Cyprus is the leading banking and financial services group in Cyprus, representing a 60% share in total corporate accounts and a 40% share of the overall banking sector. BOC was successfully listed on the London Stock Exchange in January 2017. Total Equity: €2.469 bln Total Assets: €21.74 bln Credit Rating: B+ Standard & Poor’s (Q1 2019)


Founded in 1916 Piraeus Bank is the leading bank in Greece with 29% market share in terms of customer loans and deposits. Headquartered in Athens and with approximately 12 thousand employees, Piraeus Bank offers a full range of financial products and services to more than 5mn customers in Greece. The Group's total assets stood at €59 bln on 30.06.2019. Total equity: €7.7 bln Total Assets: €59.2 bln Credit Rating: B+ Standard & Poor’s (Q2 2019)


Your investments are always purchased and registered under your name so even in an adverse scenario you can always take your titles under a custodian/bank of your choice. In fact, XSPOT is required to maintain a registrar with the ultimate owners of all financial instruments kept under our custody


XSpot Wealth (EU) Ltd is a member of the Investor Compensation Fund (Fund). The main objective of the Fund is to secure the claims of covered clients of regulated investment firms when the firms fail to fulfil their obligations. The Investor Compensation Fund compensates covered clients arising from the services provided by the Fund, so long as failure by the CIF to fulil its obligations has been ascertained.


Is there a chance to lose part of my capital when investing?

While you cannot lose all your invested capital as we mainly invest in funds trading in major stock exchanges (ETFs) mainly holding stocks, government and corporate bonds, commodities and real estate based on your profile, you have to be aware that depending on the investment profile you have chosen, you might see some bumps along the way. That’s why all our portfolios come with a planned investment horizon.

Where do you keep my investments? What happens if XSpot goes in trouble?

Your investments are always kept under your name with (Tier I) Banks regarding our custodians. Our portfolios are always invested using ETFs which are then kept in the custody of major A- credit rating investment banks with stable outlook. In fact XSPOT is required by statutory regulations to perform stringent due diligence of all credit institutions, custodians and executions venues which act as its counterparties, and to review these institutions at least annually. In the adverse situation where XSpot goes for administration, you will be contacted by the appointed administrator to transfer the titles under your name in any custodian you choose.

How are my investments protected?

When clients investing in our portfolios, we are holding securities only from major stock exchanges on their behalf with prominent custodians. So, since those securities are held under our client’s names in an adverse scenario, clients can just request their securities to be moved to a different custodian.