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
Deposits, including interest accrued, are legally protected by the Bulgarian Deposit Guarantee Scheme up to an amount of BGN 196,000 per depositor and bank. Compensation by the Deposit Guarantee Scheme is made in Bulgarian lev (BGN). In this respect, there is a currency risk since the exchange rate can fluctuate. Further information on deposit protection can be found at http://dif.bg/en.
Official title:
Bulgarian Deposit Insurance Fund (BDIF)
Website:
http://dif.bg/en
Address:
27 Vladayska Street, Sofia 1606, Bulgaria
Email:
contact@dif.bg
Telephone:
+359 2 953 1217, +359 2 953 1318
Protection ceiling:
BGN 196,000 per depositor and bank
Reserves held:
BGN 1.164 billion (€595 million)
As of date:
December 31, 2020
Deposits, including interest accrued, are legally protected by the Croatian Deposit Guarantee Scheme up to an amount of €100,000 per depositor and bank. Compensation by the Deposit Guarantee Scheme is made in Croatian kuna (HRK). In this respect, there is a currency risk since the exchange rate can fluctuate. Further information on deposit protection can be found at https://www.dab.hr/en/.
Official title:
Hrvatska agencija za osiguranje depozita (HAOD)
Website:
https://www.dab.hr/en/
Address:
Jurišićeva 1/II, 10000 Zagreb, Croatia
Email:
dab@dab.hr
Telephone:
+385 (1) 48 13 222
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
HRK 5.598 billion (€741 million)
As of date:
December 31, 2020
Official title:
Deposit Guarantee and Resolution of Credit and Other Institutions Scheme (DGS)
Website:
https://www.centralbank.cy/en/deposit-guarantee-investors-compensation-schemes
Address:
Kennedy Avenue 80, 1076 CY Nicosia, Cyprus
Email:
cbcinfo@centralbank.cy
Telephone:
+357 22 71 41 00
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€78 million
As of date:
December 31, 2020
Official title:
Deposits, including interest accrued, are legally protected by the Danish Deposit Guarantee Scheme up to an amount of €100,000 per depositor and bank. Compensation by the Deposit Guarantee Scheme is made in Danish krone (DDK). In this respect, there is a currency risk since the exchange rate can fluctuate. Further information on deposit protection can be found at https://www.fs.dk/finansiel-stabilitet-at-a-glance.
Official title:
Garantiformuen
Website:
https://www.fs.dk/finansiel-stabilitet-at-a-glance
Address:
Sankt Annæ Pl. 13, 1250 København, Denmark
Email:
mail@fs.dk
Telephone:
+45 70 27 87 47
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
DKK 8.900 billion (€1.197 billion)
As of date:
December 31, 2020
Official title:
Tagatisfond
Website:
https://www.tf.ee/eng/
Address:
Sakala 4, 15030, Tallinn, Estonia
Email:
tf@tf.ee
Telephone:
+372 6680 583
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€254 million
As of date:
December 31, 2020
Official title:
Talletussuojarahasto
Website:
https://rvv.fi/en/frontpage
Address:
Työpajankatu 13, P.O. Box 70, 00581, Helsinki, Finland
Email:
rahoitusvakausvirasto@rvv.fi
Telephone:
+358 295 253 500
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€1.272 billion
As of date:
December 31, 2020
Official title:
Hellenic Deposit and Investment Guarantee Fund (TEKE)
Website:
http://www.teke.gr/
Address:
6 Amerikis Str-2nd Floor, Athens 10671, Greece
Email:
info@hdigf.gr
Telephone:
+302 103639 933
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€1.609 billion
As of date:
December 31, 2020
Deposits, including interest accrued, are legally protected by the Hungarian Deposit Guarantee Scheme up to an amount of €100,000 per depositor and bank. Compensation by the Deposit Guarantee Scheme is made in Hungarian forints (HUF). In this respect, there is a currency risk since the exchange rate can fluctuate. Further information on deposit protection can be found at https://www.oba.hu/en/.
Official title:
Országos Betétbiztosítási Alap (OBA)
Website:
https://www.oba.hu/en/
Address:
City Gate 1. Office Building, 6th Floor, Köztelek utca 6, 1092 Budapest, Hungary
Postal address: P.O. Box 270, 1476 Budapest, Hungary
Email:
info@oba.hu
Telephone:
+36 (1) 214 0661
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
HUF 80.490 billion (€220 million)
As of date:
December 31, 2020
Official title:
Deposit Guarantee Scheme (DGS)
Website:
https://www.depositguarantee.ie/
Address:
New Wapping Street, North Wall Quay, Dublin 1, Ireland
Email:
info@depositguarantee.ie
Telephone:
+353 1890 777 777
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€562 million
As of date:
December 31, 2020
Official title:
Fondo Interbancario di Tutela dei Depositi (FITD)
Website:
https://www.fitd.it/
Address:
Via del Plebiscito, 102, 00186, Rome, Italy
Email:
infofitd@fitd.it
Telephone:
+39 06-699861
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€1.516 billion
As of date:
December 31, 2020
Official title:
Noguldījumu garantiju fonds (NGF)
Website:
https://www.fktk.lv/en/
Address:
Kungu iela 1, LV-1050, Riga, Latvia
Email:
fktk@fktk.lv
Telephone:
+ 371 6 7774800
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€122 million
As of date:
December 31, 2020
Official title:
Valstybės įmonė “Indėlių ir investicijų draudimas”
Website:
https://www.iidraudimas.lt/en/
Address:
Algirdo str. 31, Vilnius, LT-03219, Lithuania
Email:
idf@idf.lt
Telephone:
+ 370 8 5 2135657
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€131 million
As of date:
December 31, 2020
Official title:
Fonds de garantie des dépôts Luxembourg (FGDL)
Website:
https://www.fgdl.lu/en/
Address:
Headquarters: 283, route d’Arlon, L-1150 Luxembourg
Email:
info@fgdl.lu
Telephone:
+352 26 25 1-1
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€332 million
As of date:
December 31, 2020
Official title:
Nederlandse Depositogarantie
Website:
https://www.dnb.nl/en/sector-information/deposit-guarantee-scheme/deposit-guarantee-scheme/
Address:
Westeinde 1, 1017 ZN Amsterdam, the Netherlands
(temporary: Spaklerweg 4, 1096 BA Amsterdam, the Netherlands)
Email:
info@dnb.nl
Telephone:
+31 20 524 9111
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€2.197 billion
As of date:
December 31, 2020
Deposits, including interest accrued, are legally protected by the Polish Deposit Guarantee Scheme up to an amount of €100,000 per depositor and bank. Compensation by the Deposit Guarantee Scheme is made in Polish złoty (PLN). In this respect, there is a currency risk since the exchange rate can fluctuate. Further information on deposit protection can be found at http://www.bfg.pl/en.
Official title:
Bankowy Fundusz Gwarancyjny (BFG)
Website:
http://www.bfg.pl/en
Deposits, including interest accrued, are legally protected by the Romanian Deposit Guarantee Scheme up to an amount of € 100,000 per depositor and bank. Compensation by the Deposit Guarantee Scheme is made in Romanian leu (RON). In this respect, there is a currency risk since the exchange rate can fluctuate. Further information on deposit protection can be found at https://www.fgdb.ro/en/.
Official title:
Fondul de garantare a depozitelor bancare (FGDB)
Website:
https://www.fgdb.ro/en/
Address:
3 Negru Vodă St, A3 bldg, second floor, 030774 Bucharest, Romania
Email:
office@fgdb.ro
Telephone:
+40 0314 232 805
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
RON €6.557 billion (€1.347 billion)
As of date:
December 31, 2020
Official title:
Fond ochrany vkladov
Website:
https://www.fovsr.sk/en/about-the-deposit-protection-fund/
Address:
Kapitulská 12, 812 47 Bratislava 1, Slovakia
Email:
fov@fovsr.sk
Telephone:
+421 2 5443 5444, +421 2 5443 2570
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€268 million
As of date:
December 31, 2020
Official title:
Sklad za jamstvo vlog
Website:
https://www.bsi.si/en
Address:
Slovenska cesta 35,1000 Ljubljana, Slovenia
Email:
info.BS@bsi.si
Telephone:
+386 1 471 90 00
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€96 million
As of date:
December 31, 2020
Official title:
Fondo de Garantía de Depósitos de Entidades de Crédito (FGD)
Website:
https://www.fgd.es/en/
Address:
C/ José Ortega y Gasset, 22 – 4ª planta, 28006 Madrid, Spain
Email:
fogade@fgd.es
Telephone:
+34 91 431 66 45
Protection ceiling:
€100,000 per depositor and bank
Reserves held:
€4.190 billion
As of date:
December 31, 2020
Deposits, including interest accrued, are legally protected by the Swedish Deposit Guarantee Scheme up to an amount of SEK 1,050,000 per depositor and bank. Compensation by the Deposit Guarantee Scheme is made in Swedish krona (SEK). In this respect, there is a currency risk since the exchange rate can fluctuate. Further information on deposit protection can be found at https://www.riksgalden.se/en/.
Official title:
Riksgälden
Website:
https://www.riksgalden.se/en/
Address:
Olof Palmes gata 17, 111 22 Stockholm, Sweden
Postal address: SE-103 74 Stockholm, Sweden
Email:
riksgalden@riksgalden.se
Telephone:
+46 8 613 45 00
Protection ceiling:
SEK 1,050,000 per depositor per bank
Reserves held:
SEK 46.422 billion (€4.535 billion)
As of date:
December 31, 2020
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