Deposit Guarantee Schemes - 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.

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.

- Up to 1.5 years	→	EUR 25
- 2 to 3 years	→	EUR 50
- Above 3 years	→	EUR 75

Security of your deposits

Details of the deposit guarantee schemes by country

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