Hej,
Kollade runt lite gällande Transferwise säkerhet m.m., och hittade följande:
Is my money covered by a financial protection scheme?
TransferWise doesn’t protect your money in financial protection schemes like the Financial Services Compensation Scheme (FSCS) and the Federal Deposit Insurance Corporation (FDIC).
Traditional banks are required to put customers' money in a financial protection scheme. This is because they make profit by lending and risking customers' money, and need to insure it up to a certain amount in case something goes wrong.
TransferWise isn't a bank. We don't lend your money or make high-risk investments with it. So, we don't insure it in a financial protection scheme.
Instead, we use safeguarding to protect 100% of your money.
What is safeguarding?
Safeguarding means that, by law, we have to keep all of your money in accounts that are completely separate from the ones we use to run our business. So, if anything were to happen to TransferWise, your money would be safe.
Where is my money stored?
TransferWise keeps your money in established financial institutions like JP Morgan Chase and Barclays. Where your money is depends on which country your TransferWise account address is in — if your account address in the UK, for example, we keep your money in Barclays, or other financial institutions in the EEA.
What would happen if TransferWise became insolvent?
Because your money is always kept separately from the accounts we use to run TransferWise, it wouldn’t be affected if we were to become insolvent. We’d return all of your money to you.
If something were to happen to one of the banks we store your money in (like Barclays or JP Morgan Chase), then your money wouldn’t be protected. We wouldn’t be able to give your money back in that situation.
/
