Statutory deposit protection
Deposit Protection 2026
Rate matters, but safety is what makes a deposit product usable. This page explains the protection logic behind fixed-term deposits and call money offers relevant to German savers.
Germany and EU
EUR 100,000
Per person and bank
Switzerland
CHF 100,000
Common statutory framework for deposits
Editorial review
10.05.2026
Context for May 2026
How deposit protection works
Statutory deposit protection covers eligible bank deposits up to a set amount per person and per bank. That usually includes fixed-term deposits and call money accounts.
The key point is not just the brand name on the page. Savers should understand which bank actually holds the deposit and which scheme that bank belongs to.
Usually protected
- Fixed-term deposits
- Call money accounts
- Savings and current accounts
- Joint accounts on a per-person basis
Usually not protected
- Shares and stock funds
- Bonds outside deposit schemes
- Crypto assets
- Certain institutional deposits
Three checks before you open an account
- Check which bank actually holds the deposit.
- Confirm the statutory protection scheme for that specific product.
- Keep your total balance per bank aligned with the protection limit.
Compare safety and yield together
When you are ready, move from theory to product fit by comparing current fixed-term deposit offers or starting the guided form.