The Dutch Deposit Guarantee automatically protects the funds of all individuals and almost all businesses and other organisations up to €100,000. The only exceptions are government bodies and financial enterprises.
A deposit is an amount of money you hold with your bank, for example in a payment account or a savings account. The deposit guarantee means that your money is protected 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 crypto-assets such as bitcoin.
The deposit guarantee applies to all account holders, such as:
The only exceptions are government organisations and financial firms.
All your bank accounts are covered by the deposit guarantee. These include:
joint accounts: do you have a shared bank account with someone else? The protected €100,000 limit applies to each account holder separately per bank. This means that you are protected to a maximum of €200,000 jointly. The maximum amount applies to all accounts combined at the same bank, including any other accounts that you hold in addition to a joint account.
20 October 2025
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
30 January 2024
News
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
06 December 2023
News
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
13 January 2023
News
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?