Security of your Deposits

€ 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. More details
€ 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 will already have implemented this regulation by 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.
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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.

“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

Details of the Deposit Guarantee Schemes by Country


Official title:

Einlagensicherung der Banken & Bankiers Gesellschaft m.b.H.

Address:

Börsegasse 11, 1010 Vienna, Austria

Telephone:

+43 (1) 533 98 03

Protection ceiling:

100,000

Reserves held :

around 19 Mio. cash and cash equivalents (not taking into account legal reserve liability for Austrian banks of 0.5%)

As of date:

April 28, 2017

Official title:

Fonds de Protection des Depots et des Instruments Financiers

Address:

Boulevard de Berlaimont 14, 1000 Brussels, Belgium

Telephone:

+32 2 572 3825

Protection ceiling:

100,000

Reserves held :

43 million

As of date:

April 28, 2017

Official title:

Garanční Systém Finančního Trhu (GSFT)

Address:

Týn 639, 110 00 Prague 1, Czech Republic

Email:

info@fpv.cz

Telephone:

+420 234 767 676

Protection ceiling:

100,000

Reserves held :

ca. 1 BIllion

As of date:

April 28, 2017

Official title:

Fonds de Garantie des Dépôts et de Résolution

Address:

65, rue de la Victoire - 75009 Paris - FRANCE

Telephone:

+33 1 58 18 38 08

Protection ceiling:

100,000

Reserves held :

3,131 milliards EUR

As of date:

April 28, 2017

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).

Address:

Burgstraße 28, 10178 Berlin, Germany

Telephone:

+49 30 59 00 11 960

Protection ceiling:

100,000. The protection limit is higher for banks belonging to the deposit guarantee fund of the BdB.

Reserves held :

990 Mio.

As of date:

April 28, 2017

Official title:

Bankenes sikringsfond

Address:

Hansteens gate 2, Postboks 2579, Solli, N-0202 Oslo, Norway

Telephone:

+47 23 28 42 00

Protection ceiling:

ca. 220,000

Reserves held :

ca. 3.3 Billion

As of date:

April 28, 2017

Official title:

Bankowy Fundusz Gwarancyjny (BFG)

Address:

ul. ks. Ignacego Jana Skorupki 4, 00-546 Warsaw, Poland

Telephone:

+48 22 583 09 22

Protection ceiling:

100,000

Reserves held :

1.6 Billion

As of date:

April 28, 2017

Official title:

Fundo de Garantia de Depósitos

Address:

Av. da República, 57 – 8º, 1050-189 Lisboa, Portugal

Email:

fgd@sgfpbp.pt

Telephone:

+351 21 792 57 35

Protection ceiling:

100,000

Reserves held :

1.55 Billion

As of date:

April 28, 2017