Deposit protection

€100,000 per customer and per bank — protected by law across the EU.

EU Deposit Protection at a Glance

All banks listed on Vontobel are members of a statutory deposit protection scheme in their respective EU member state. If a bank becomes insolvent, deposits are protected up to €100,000 per customer and per institution.

Who is protected?

• Private individuals and most legal entities
• Deposits held in current, savings and fixed-term deposit accounts
• Funds in EUR and selected other currencies

What does this mean in practice?

If you invest €120,000 with one bank, €100,000 would be protected and €20,000 would not. If the same amount is split across two banks (€60,000 each), both amounts would be fully protected.

Country-specific systems

Each EU country operates its own scheme (for example EdB Germany, DGS Netherlands, FGDR France). The minimum protection amount of €100,000 is harmonised across the EU.