By end-2025, EU deposit guarantee schemes reached a total of €85 billion, surpassing the minimum target of 0.8% of covered deposits, with funds growing faster than deposits.
All national deposit guarantee schemes (DGSs) in the European Union (EU) reached the legally required minimum target level of 0.8% of covered deposits by the end of 2024, in accordance with the Deposit Guarantee Scheme Directive (DGSD).
By the end of 2025, available funds in DGSs reached €85 billion, built over an 11-year period through bank contributions, and are prepared to reimburse depositors in case of bank failure.
Between 2024 and 2025, covered deposits increased by 2.9% to €9.1 trillion, while DGS funds grew by 4.9%, as some schemes continued to build buffers above the minimum required level.
The European Banking Authority (EBA) published data at the end of 2025 on the financial means available to DGSs and the deposits protected, covering all EU Member States, Iceland, Norway, and Liechtenstein. This annual report enhances transparency and accountability across the EU.
The DGSD guarantees deposits up to €100,000 per depositor per bank. All EU banks contribute to their national DGSs, which are designed to reimburse depositors within seven days of a bank failure. The deadline for reaching the 0.8% target was 3 July 2024.
As of the end of 2025, 32 of 33 EU DGSs meet or exceed this threshold; one scheme is below the target following a recent payout. DGS funds also include arrangements for additional funding, such as extraordinary contributions from banks and short-term financing options.
The data covers the 27 EU Member States, along with Iceland, Norway, and Liechtenstein, forming the European Economic Area (EEA).
The EBA collects data under Article 10(10) of the DGSD and publishes it annually in accordance with Decision EBA/DC/2018/243. It also issued guidelines in December 2021 to strengthen reporting requirements for DGSs.
