Held on trust, separately from Yoho’s own funds.
Ring-fenced like a trust.

All Yoho mandates and Tenancy Agreements are governed by the laws of England and Wales — a globally recognised framework for financial services and tenancy enforcement.

We process your identity and financial data strictly in accordance with UK GDPR. Identity verification is powered by Sumsub — the same KYC layer used by leading UK challenger banks. Sumsub acts as a designated Processor.

Your Security Funds sit in a segregated client money account at a Tier 1 UK bank — ring-fenced as client property and never become Yoho’s property. The account is a Ring Fenced Client Deposit Manager account at NatWest, held for the benefit of Yoho’s clients; NatWest has confirmed in writing that it cannot combine it with, or set it off against, any other Yoho account. FSCS protection comes from the FSCS scheme that NatWest participates in: NatWest is authorised by the PRA and regulated by the FCA and the PRA, and eligible deposits at the bank may be protected by the FSCS, subject to FSCS rules. iThe FSCS protects eligible deposits at UK banks up to £120,000 per person, per bank (limit set by the PRA, in force since 1 December 2025). The Yoho Segregated Client Account is held at NatWest, so eligibility is assessed under the FSCS rules for that account. Check at fscs.org.uk. Yoho is the Escrow Administrator: the bank holds the funds, and Yoho holds and administers Security Funds in accordance with its Terms and the applicable Side Letter, making releases only in accordance with the agreed release arrangements.