Stats › Gestion active, passive et flux › 20,000 euro
Europe has protected investors to 20,000 euro since 1997 and depositors to 100,000 euro, and the proposal to close the gap was withdrawn in 2015
| Provision | Investor compensation | Deposit guarantee |
|---|---|---|
| Minimum coverage | 20,000 euro per investor, Article 4(1) | 100,000 euro per depositor, Article 6(1) |
| Instrument | Directive 97/9/EC | Directive 2014/49/EU |
| Payment deadline | three months from establishment of eligibility and amount, with one extension of no more than three months, Article 9(2) | seven working days, Article 8(1) |
| Claim submission window | not less than five months, Article 9(1) | not applicable |
| Co insurance permitted | yes, but cover must be at least 90 per cent of the claim while the payout is below 20,000 euro, Article 4(4) | no |
| Transitional floor | 15,000 euro retainable until 31 December 1999, Article 4(1) | not applicable |
| Higher cover permitted | yes, without ceiling, Article 4(3) | yes, through national target levels |
| Funding target | none in the directive | 0.8 per cent of covered deposits |
| Reporting duty to a European body | none, beyond a one off Commission report due by 31 December 1999 | annual dataset published by the banking authority since 2016 |
| Transposition | 26 September 1998 | 4 July 2015 for the coverage level |
The original figure was 20,000 ECU, which became 20,000 euro at one for one. Everything in the investor column was read in the directive's own operative text.
The Parliament voted to raise the investor figure to 100,000 euro by 566 votes to 17 in July 2011. The Commission withdrew the proposal on 7 March 2015. The minimum has stood for 29 years.
20,000 euroInvestor compensation minimum
100,000 euroDeposit guarantee minimum
5 to 1Ratio
29Years the investor figure has stood
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