🛡️ Your Money is Safe
Deposit Protection
Understand how your savings are protected across Europe. Up to €100,000 per person and bank is guaranteed.
Protection Amounts by Country
🇩🇪 🇦🇹 🇧🇪 🇱🇺
€100,000
Germany, Austria, Belgium, Luxembourg
🇱🇮
€100,000
Liechtenstein
🇨🇭
CHF 100,000
Switzerland
How Deposit Protection Works
1
Statutory Protection
Every bank in the EU and Switzerland must participate in a statutory deposit protection scheme.
2
Automatic Coverage
Protection applies automatically to all eligible deposits - no registration needed.
3
Quick Payout
If a bank fails, protected deposits are paid out within 7 working days.
What is Protected?
✓ Protected
- • Savings accounts
- • Call money (Tagesgeld)
- • Fixed-term deposits
- • Current accounts
- • Joint accounts (per person)
✗ Not Protected
- • Stocks and shares
- • Investment funds
- • Bonds (non-bank)
- • Crypto assets
- • Deposits by financial institutions
How to Maximize Your Protection
Since protection is per person and per bank, you can increase your coverage by:
- →Spreading deposits across multiple banks
- →Opening joint accounts (each co-owner gets €100k protection)
- →Using banks in different countries (separate protection schemes)