The Dutch Deposit Guarantee automatically protects the money of all individuals and almost all firms and other organisations up to €100,000. The only exceptions are government organisations and financial firms.
A deposit is a sum of money you hold with your bank, for example in a payment account or a savings account. Deposit guarantee means that the money in your bank accounts is guaranteed up to €100,000, even if your bank goes bankrupt.. The guarantee does not protect any products that are not deposits, such as investment products – including shares and bonds – insurance products or cryptos like bitcoin.
The deposit guarantee applies to all account holders, such as:
The only exceptions are government organisations and financial firms.
All of your bank accounts are covered by the deposit guarantee. These include:
When a bank fails, we make sure that account holders can quickly regain access to their money. Effective 1 January 2024, this will take no more than seven working days. Back in 2009, it was three months.
Read more Customers of bankrupt bank have access to their money even faster
Dutch households are putting more and more money in bank accounts abroad, according to the latest quarterly figures from DNB and the ECB. Countries where savings rates have recently risen are particularly popular among Dutch savers.
Read more Dutch households save more abroad
The money in accounts at foreign banks operating in the Netherlands is protected by the deposit guarantee of the country of origin of that bank.
Read more Is my money at a foreign bank protected by the Dutch Deposit Guarantee?
The volume of savings at Dutch banks is rapidly increasing. At the same time, only a little over half of all Dutch people know about the protection of this money by the Dutch Deposit Guarantee. General awareness is lower among young people and women.
Read more Dutch people are insufficiently aware of deposit guarantee
