Deposit insurance (Einlagensicherung)
Statutory protection for bank balances up to 100,000 euros per person and bank if the bank fails.
In short
As of 8 October 2026Deposit insurance protects balances in current, savings, fixed-term and settlement accounts up to 100,000 euros per person and bank if the bank fails. Stocks and ETFs are not affected because they remain your property. For investment firms there is also investor compensation of 90 % up to 20,000 euros.
Statutory deposit insurance protects money in current accounts, instant-access savings, fixed-term deposits and settlement accounts up to 100,000 euros per person and bank. The limit applies across the EU. Many banks add voluntary schemes on top.
Stocks and ETFs are not covered because they do not belong to the bank at all: they remain your property, and ETF assets are also segregated assets. If an investment firm fails to return money or securities due to misconduct, investor compensation applies: 90 % up to 20,000 euros.
Example: you hold 130,000 euros at one bank. 100,000 is protected by law. Spreading money keeps you below the limit per bank. More on the comparison with ETFs: Tagesgeld or ETF.
Related terms
Sources
As of 8 October 2026 · Educational content, not investment or tax advice.