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The Policy Rule on the Scope and Execution of the Deposit Guarantee Scheme (DGS) sets out how a number of potential special situations must be dealt with during the payout phase. Examples include escrow accounts, structured deposits, and customers holding deposits in different countries.

Objective of the Policy Rule on the Scope and Execution DGS

The Policy Rule on the Scope and Execution of the DGS further specifies policy rules on aspects (i) for which the national rules give DNB discretionary power or (ii) that warrant further clarification. DNB may supplement the Policy Rule with other DGS-related provisions in the future

Escrow accounts and other potential special situations

The policy rule specifies how to deal with escrow accounts and similar situations. Banks need this information to compile the Single Customer View (SCV). The Policy Rule also contains more detailed explanations of the ranking of eligible deposits and how we will deal with temporary high balances, structured deposits, and customers holding deposits in different countries.

Version overview

DNB published the Policy Rule in 2017 and issued amended versions in February 2019 and October 2021 (link to Government Gazette in Dutch). The most recent consolidated version is available in the Wettenbank (in Dutch) and will be published in English on this website in a new version of the document Policy Rules for the DGS for banks (forthcoming by the end of 2021).

The rounds of amendments include transitional periods. Future audit reports must be based in part on previous versions of the SCV Policy Rule. Below is an overview of relevant versions of the document Policy Rules for the DGS for banks.

You can swipe the table to see more columns.

Version

Basis for data submission starting

Download

Policy Rules for the DGS for banks for banks - October 2021 (third version)

Second round of amendments 2021

1 April 2022

Policy Rules for the DGS for banks - October 2021 (third version)

Policy Rules for the DGS for banks – February 2019 (second version)

First round of amendments 2019

1 January 2020

Not available in English.

Policy Rules for the DGS – July 2017

1 January 2019

Policy Rules for the DGS – July 2017

For completeness’ sake, we also provide the consultation document (in Dutch only) and the adoption document for the second round of amendments.