I was looking to spread some assets over more banks / emi / brokers that take part in depositor compensation schemes. Most brokers e.g. in the UK will take part in the FSCS scheme or Einlagensicherung in Switzerland. Financial Services Compensation Scheme |FSCS Deposit Insurance If you stash some cash from your e.g. Maltese Limited in one of the covered banks, emis or brokers it seems that they are covered under the FSCS according to: FSCS mainly helps individuals, although some businesses and charities may also be eligible, depending on the type of claim. 'A limited company would be treated as having a claim, and hence protection in its own right up to the £50,000 limit, if it fell within the definition of a small company.' The definition of a 'small company' is one that satisfies two or more of the following requirements: It must have a turnover that does not exceed £6.5m; its balance sheet total must not be more than £3.26m; its total number of employees must be not more than 50. Is that true for all EU Ltds? So if my Ltd is below 6.5mln etc pp would it be covered with 50k per bank / broker? If you have accounts with two brokers - 50k each - and they happen to stash the money into the same bank and the bank goes bust? Any knowledge about the Switzerland Scheme / Germany? I know that Germany is going hard at scraping it for business clients from 2020 on.