Security of your Deposits
All offers on Raisin are protected up to an equivalent of € 100,000 per depositor and bank according to EU laws.
Since the introduction of the EU-wide harmonized regulation on Deposit Guarantee Schemes savers have lost 0 € above the protection limit of € 100,000.
By 2024 the time limit for repayment by deposit guarantee funds will be shortened to 7 working days. Some Member States will already implement this regulation by June 2016.
By 2024 latest, 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.
In the unlikely event of a compensation situation, we fully support our customers within the framework of legal and practical possibilities.
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.
Michael Barnier, European Commissioner for internal market and services.
Details of the Deposit Guarantee Schemes by Country
Einlagensicherung der Banken & Bankiers Gesellschaft m.b.H.
Börsegasse 11, 1010 Vienna, Austria
+43 (1) 533 98 03
around 19 Mio. cash and cash equivalents (not taking into account legal reserve liability for Austrian banks of 0.5%)
Fonds de Protection des Depots et des Instruments Financiers
Boulevard de Berlaimont 14, 1000 Brussels, Belgium
+32 2 572 3825
Garanční Systém Finančního Trhu (GSFT)
Týn 639, 110 00 Prague 1, Czech Republic
+420 234 767 676
ca. 1 BIllion
Fonds de Garantie des Dépôts et de Résolution
65, rue de la Victoire - 75009 Paris - FRANCE
+33 1 58 18 38 08
3,131 milliards EUR
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).
Burgstraße 28, 10178 Berlin, Germany
+49 30 59 00 11 960
100,000. The protection limit is higher for banks belonging to the deposit guarantee fund of the BdB.
Hansteens gate 2, Postboks 2579, Solli, N-0202 Oslo, Norway
+47 23 28 42 00
ca. 3.3 Billion
Bankowy Fundusz Gwarancyjny (BFG)
ul. ks. Ignacego Jana Skorupki 4, 00-546 Warsaw, Poland
+48 22 583 09 22