Statistik › Bewertung › Deposit guarantee
Europe's deposit directive sets no minimum euro amount for a temporary high balance, and will not until 11 May 2028
| Rule | In force now | From 11 May 2028 | Article |
|---|---|---|---|
| Coverage level per depositor | 100,000 euro | unchanged in the text read | Art 6(1) |
| Temporary high balance amount | no euro minimum in the directive | not less than 500,000 euro | Art 6(2) |
| Temporary high balance duration | at least 3 and no more than 12 months | sechs Monate | Art 6(2) |
| Real estate transaction balances | no cap in the directive | maximum 2,500,000 euro | Art 6(2) |
| Repayment deadline | seven working days | unchanged | Art 8(1) |
| Target available financial means | 0.8% of covered deposits by 3 July 2024 | restated | Art 10(2) |
| Lowest target a state may be authorised to apply | 0.5% of covered deposits | unchanged | Art 10(6) |
| Payment commitments cap | 30% of available financial means | 30%, and callable within two working days | Art 10(3) |
| Review of the coverage amount | at least every five years | at least once every five years | Art 6(6) and 6(7) |
Directive 2014/49/EU and Directive (EU) 2026/804 of 30 March 2026. Article 6(1) applies from 4 July 2015; the amendment applies from 11 May 2028.
The 2014 directive protects such balances for three to twelve months and leaves the amount to national law, which now ranges from 200,000 euro to unlimited. A 2026 amendment sets a floor of 500,000 euro for six months.
100,000 euroHarmonised coverage level
none in the directiveTemporary high balance minimum today
500,000 euro for six monthsFloor from 11 May 2028
seven working daysRepayment deadline
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