Deposit protection scheme

Germany has one of the most efficient deposit guarantee systems in the world. Bank customers are comprehensively protected by a combination of statutory and voluntary deposit insurance. In the event of a bank failure, all savers in Germany have been fully compensated to date. The statutory deposit guarantee protects €100,000 per depositor per bank. In addition, most banks belong to voluntary deposit guarantee schemes that offer even more extensive protection.

Compensation Scheme of German Banks

The Compensation Scheme of German Banks (EdB) has the task of compensating customers for their deposits up to € 100,000 - in individual cases up to € 500,000 - in the event of the insolvency of a credit institution.

Homepage of the EdB

Deposit Protection Fund

The Deposit Protection Fund of the Banking Association protects customers credit balances at private banks in Germany. Here you will find essential information on the scope and functioning of the deposit guarantee fund.

Homepage of the Deposit Protection Fund

Deposit protection portal

Here you will find information on statutory and voluntary deposit insurance, investor compensation and institutional protection.

The Deposit protection portal