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Security of your deposits

“These new rules will benefit all European Union citizens: not only will their savings be better protected, but they will also have the choice of the best savings products available in any EU country without worrying about differences in the level of protection” - Michael Barnier, European Commissioner for internal market and services. Politico.eu 18.12.2013

€100,000

All savings products on Raisin are protected up to an equivalent of EUR 100,000 per depositor and bank according to EU laws.

€0

Since the introduction of the EU-wide harmonized regulation on deposit guarantee schemes, savers have not suffered any losses beyond the protection limit of EUR 100,000.

7 days

By 2024, the time limit for repayment by deposit guarantee funds will be shortened to 7 working days. A number of Member States have already implemented this regulation in June 2016.

0.8%

By 2024, all reserves held in each country’s deposit guarantee fund must equal at least 0.8% of all deposits covered. Some of our partner countries already fulfill this requirement.

100%

In the unlikely event of a situation requiring a compensation, we will fully support our customers within the framework of legal and practical possibilities.

Harmonized standards across the EU

The existence of a statutory deposit guarantee scheme reflects the political will within the European Union to protect savings in the event of a bank failure. As a result of recent changes, all deposit guarantee schemes have been harmonized, so that the same high standard is offered within the EU.

Throughout Europe, the minimum requirements for statutory deposit guarantee schemes were refined a number of years ago (EU Directive 1994/19/EC and 2009/14/EC).

The recent implementation of Directive 2014/49/EU has introduced further measures, which improve the level of protection offered to investors across the EU. Since July 2015, all EU Member States are gradually implementing these measures.

Details of the deposit guarantee schemes by country

Official title:
Einlagensicherung der Banken & Bankiers Gesellschaft m.b.H.
Website:
https://einlagensicherung.at
Address:
Börsegasse 11, 1010 Vienna, Austria
Email:
office@einlagensicherung.at
Telephone:
+43 (1) 533 98 03
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
€0.432 billion
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
Official title:
Fonds de Protection des Depots et des Instruments Financiers
Website:
http://www.fondsdeprotection.be
Address:
Boulevard de Berlaimont 14, 1000 Brussels, Belgium
Email:
protectionfund@nbb.be
Telephone:
+32 2 572 3825
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
€4.312 billion
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
Official title:
Garanční Systém Finančního Trhu (GSFT)
Website:
https://www.garancnisystem.cz
Address:
Týn 639, 110 00 Prague 1, Czech Republic
Email:
info@fpv.cz
Telephone:
+420 234 767 676
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
€1.340 billion
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
Official title:
Fonds de Garantie des Dépôts et de Résolution
Website:
https://www.garantiedesdepots.fr
Address:
65, rue de la Victoire – 75009 Paris – FRANCE
Email:
contact@garantiedesdepots.fr
Telephone:
+33 1 58 18 38 08
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
€5.083 billion
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
Official title:
Entschädigungseinrichtung deutscher Banken GmbH (EdB). Some banks are also members of a private deposit guarantee fund of the Association of German Banks (Bundesverband deutscher Banken – BdB).

The protection limit is higher for banks belonging to the deposit guarantee fund of the BdB (https://bankenverband.de/service/einlagensicherung).

Website:
http://www.edb-banken.de
Address:
Burgstraße 28, 10178 Berlin, Germany
Email:
info@edb-banken.de
Telephone:
+49 30 59 00 11 960
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
€3.524 billion
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
Official title:
Depositor Compensation Scheme
Website:
http://www.compensationschemes.org.mt
Address:
Compensation Schemes Management Committee c/o Malta Financial Services Authority Notabile Road Attard BKR3000 MALTA
Email:
info@compensationscheme.org.mt
Telephone:
+356 2144 1155
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
€0.135 billion
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
Official title:
Bankenes sikringsfond
Website:
http://www.bankenessikringsfond.no/
Address:
Hansteens gate 2, Postboks 2579, Solli, N-0202 Oslo, Norway
Email:
firmapost@sikringsfondet.no
Telephone:
+47 23 28 42 00
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
NOK 18.426 million (EUR 1.760 million)
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
Official title:
Bankowy Fundusz Gwarancyjny (BFG)
Website:
http://www.bfg.pl/en
Address:
ul. ks. Ignacego Jana Skorupki 4, 00-546 Warsaw, Poland
Email:
kancelaria@bfg.pl
Telephone:
+48 22 583 09 22
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
€3.868 billion
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
Official title:
Fundo de Garantia de Depósitos
Website:
http://www.fgd.pt/en-US/Pages/inicio.aspx
Address:
Av. da República, 57 – 8º, 1050-189 Lisboa, Portugal
Email:
fgd@sgfpbp.pt
Telephone:
+351 21 792 57 35
Protection ceiling:
€100,000 per depositor and bank
Reserves held :
€1.674 billion
As of date:
December 31, 2020
Source:
https://www.eba.europa.eu/regulation-and-policy/recovery-and-resolution/deposit-guarantee-schemes-data
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