In the unlikely event of &me entering into administration, clients would have their funds and market value of assets returned to them from the custodian bank or client money account. As these bank accounts are held by &me in trust for underlying clients, no creditors would be able to access or make any claim on the money. Your money and investments are also eligible for compensation under the Financial Services Compensation Scheme (FSCS) for up to £85,000 if the company is unable to repay investments or money.