Comprehensive protection for account,
securities account and data.

Security for your money and your securities

The current and securities accounts are held at Baader Bank, based in Munich, Germany. It is an investment bank with a universal banking licence, specialising in securities trading. As a technology leader for digital banking services, it guarantees competent, efficient and secure order processing to implement your investment strategy.

Your securities account – safe custody by a German bank

All securities are held as property of the investor and as segregated client assets by the Baader Bank. This means that they are separated from the bank’s own assets, ensuring that they remain safe, even in the unlikely event of the bank’s insolvency. In such a case, you would have a claim for the recovery of the securities held in custody for you by the bank.

Your current account – a bank account with deposit protection

The deposit protection scheme protects the balance of current accounts up to the individual limit of the bank where the account is held. As a universal bank, Baader Bank participates in the deposit protection scheme set up by the Association of German Banks (Bundesverband deutscher Banken), and offers extensive deposit protection. The bank is protected by the state Compensation Scheme of German Private Banks (Entschädigungseinrichtung deutscher Banken). This statutory deposit protection scheme covers up to €100,000 per depositor and bank. In addition, the bank is a member of the Deposit Protection Fund of The Association of German Banks

Deposit protection per account holder, including the statutory protection, i.e. the maximum coverage for an individual client’s deposits, is calculated on the basis of the bank’s equity, the exact amount of which can be viewed here:

In the event of a claim, account holders receive their secured deposits within seven working days. Money can only be withdrawn from your current account via your reference account. Baader Bank is subject to the supervision of the German Federal Financial Supervisory ity (BaFin).

Your wealth and portfolio manager – qualified and regulated

First Capital Management Group GmbH (“FCM”) as wealth manager and ThomasLloyd Global Asset Management (Americas) LLC (“TL”) as the respon-sible portfolio manager, have been appointed to implement your chosen investment strategy. They act for the investor solely on the basis of the -isation given to them and in accordance with the investment guidelines and restrictions set by the investor. At no time are they ised to procure title to or possession of your assets for themselves. As an ised financial services institution, FCM is part of the compensation scheme, Compensatory Fund of Securities Trading Companies (Entschädi-gungseinrichtung der Wertpapierhandelsunterneh-men – EdW), and is regulated by the Federal Financial Supervisory ity (Bundesanstalt für Finanz- dienstleistungsaufsicht). As an ised portfolio manager, TL is subject to direct supervision by the US Stock Exchange Commission (SEC).

Security for your data

Protected access

Investors’ personal data and account details in our system are protected against unised access. They are only transmitted and stored in encrypted form (TSL/SSL). Our IT infrastructure only allows access to your data via authenticated programming interfaces (API, authentication, SSL, certificate pin-ning) from predefined applications and servers. In addition, every access to the database is logged. All data are stored on servers in Germany and are sub-ject to strict European data protection legislation.

Latest security technologies

The latest security updates are regularly installed on our website, server and apps. The use of a modern, secure and energy-efficient cloud infrastructure solution enables us to ensure continuous system availability even in the event of natural disasters or extraordinary peak loads.


The wealth management services offered to you via this website are provided by First Capital Management Group GmbH, hereinafter referred to as "FCM", Herzogstraße 60, 80803 Munich. FCM will be your contractual partner for the wealth management services. FCM will commission ThomasLloyd Global Asset Management (Americas) LLC, 427 Bedford Road, Pleasantville, New York 10570, USA with the practical implementation of the portfolio management. Advise on individual financial instruments (investment advice) and/or commission transactions in individual securities (investment brokerage) will be provided by FCM.

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