Is Your Bank Money Safe?

If your bank fails, how much do you get back?

In the EU: up to €100,000 per person, per bank.

Joint accounts: each holder is covered.

Payout: within 7 working days.

Shares and funds are not bank deposits, so this guarantee does not cover them.

€150,000 at one bank, for example: €100,000 covered, €50,000 above the limit.

Do you know how much sits in each bank?

Education, not investment advice.

Read the sheet as text

Is Your Bank Money Safe?
In the EU, money in bank accounts is guaranteed up to a limit.

Protected: cash in your bank accounts. Per person, per bank. Paid back in 7 working days. The limit: €100,000.
Not protected here: shares, funds and bonds. This guarantee does not cover them. Their value can still fall.
A joint account: each holder has their own €100,000.

For example: €150,000 in one bank: €100,000 is covered, €50,000 is not.
EU rule: Directive 2014/49/EU. Your country's scheme pays it.

Sources (2)

Directive 2014/49/EU on deposit guarantee schemesEuropean Parliament and Council, 2014: harmonised cover of €100,000 per depositor, per bank; repayment within 7 working days (the deadline fell step by step and reached 7 working days on 1 January 2024); temporary higher cover for sums from private home sales. Checked 2026-10-29.
I have savings and other bank accounts: what are my guarantees?FGDR (France's national scheme), undated: accounts at one bank added up to €100,000 per customer; each co-holder's share of a joint account counts toward their own limit; securities, shares and funds are not covered by the deposit guarantee; paid within seven working days. Checked 2026-10-29.