Protection for your securities

We work hard to make Schwab a secure place for your money.

Millions of investors have relied on us for more than 50 years.

  • 35.3M

    Brokerage accounts*

  • US$9.12T

    in total client assets*

  • 400+

    offices

Your securities are protected at Schwab.

The securities in your Schwab account—including fully paid securities for stocks and bonds and excess margin securities—are segregated in compliance with the U.S. Securities and Exchange Commission's Customer Protection Rule. This is the legal requirement for all U.S. broker-dealers. Your segregated assets are not available to general creditors and are protected against creditors' claims in the unlikely event that a broker-dealer becomes insolvent.

Plus your account has additional protection.

In addition to segregating your securities, we take additional measures to protect you. These measures happen automatically once you become a Schwab client.

  • SIPC account protection

    Charles Schwab & Co., Inc., a member of the Securities Investor Protection Corporation (SIPC), will serve as the custodian for your Schwab account. In the event that the SIPC-member custodian fails and is placed in liquidation under the Securities Investor Protection Act, SIPC protects the securities customers of its members up to US$500,000 (including US$250,000 for claims for cash). For details, please see www.sipc.org.

  • Schwab works with Lloyd's of London and other insurers.

    Besides Schwab's SIPC protection, Charles Schwab & Co. also provides additional brokerage insurance through an agreement with Lloyd's of London and other London insurers.

Protected up to US$600 million

The combined total of SIPC coverage and "excess SIPC" coverage means Schwab provides protection up to an aggregate of US$600 million. This protection becomes available in the event SIPC limits are exhausted. 

For more details on automatic customer account protection, contact us.

Have more questions? We're here to help.

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