Deposit Guarantee — how much of your savings is protected
Medium-length body copy of one or two sentences goes here to support the main headline. Do not make your text longer than this.
Deposit Guarantee — how much of your savings is protected
Medium-length body copy of one or two sentences goes here to support the main headline. Do not make your text longer than this.
Deposit Guarantee — how much of your savings is protected
Medium-length body copy of one or two sentences goes here to support the main headline. Do not make your text longer than this.
Table of contents
A deposit guarantee is a legal protection that covers your money if your bank fails. If a licensed bank can no longer meet its obligations, the guarantee scheme ensures eligible depositors get their money back, up to a set limit.
In Europe, that limit is €100,000 per depositor, per bank. This protection applies across all EU member states, meaning you get the same level of coverage whether your bank is based in the Netherlands, Germany, France, or any other EU country.
How the Dutch Deposit Guarantee Scheme works
bunq holds a banking license issued by De Nederlandsche Bank (DNB), which means your eligible deposits are covered by the Dutch Deposit Guarantee Scheme (DGS).
If bunq were ever unable to meet its obligations to you, DNB would step in to ensure you receive your eligible funds back, up to €100,000 per person. This covers the full amount of your deposits, including any interest earned. The process happens without you needing to take any action.
The scheme covers balances held in:
Savings Accounts
This protection applies to all bunq subscription plans. You don't need to do anything to activate it, it's in place automatically for all eligible accounts.
What's not covered
Not all financial products fall within the Deposit Guarantee Scheme. At bunq, e-money accounts and non-euro Local Currency accounts are not covered by the DGS.
That said, bunq takes additional steps to protect these balances. Funds in non-euro Local Currency accounts are held in third-party accounts, separate from bunq's own assets, which limits exposure to credit risk from bunq as a counterparty.
For Business Account holders: if your business is a sole proprietorship, it shares coverage with your Personal Account under the one-account-per-bank principle. If your business is a separate legal entity, such as a private limited company, its deposits are protected independently from your personal deposits.
What this means for you
Banking with bunq carries the same legal safety net as banking with any other licensed European bank. Your eligible money is protected by law, your data is secured, and you don't need to do anything to benefit from the coverage.
To learn more about how bunq keeps your money safe, visit the security page.
Table of contents
A deposit guarantee is a legal protection that covers your money if your bank fails. If a licensed bank can no longer meet its obligations, the guarantee scheme ensures eligible depositors get their money back, up to a set limit.
In Europe, that limit is €100,000 per depositor, per bank. This protection applies across all EU member states, meaning you get the same level of coverage whether your bank is based in the Netherlands, Germany, France, or any other EU country.
How the Dutch Deposit Guarantee Scheme works
bunq holds a banking license issued by De Nederlandsche Bank (DNB), which means your eligible deposits are covered by the Dutch Deposit Guarantee Scheme (DGS).
If bunq were ever unable to meet its obligations to you, DNB would step in to ensure you receive your eligible funds back, up to €100,000 per person. This covers the full amount of your deposits, including any interest earned. The process happens without you needing to take any action.
The scheme covers balances held in:
Savings Accounts
This protection applies to all bunq subscription plans. You don't need to do anything to activate it, it's in place automatically for all eligible accounts.
What's not covered
Not all financial products fall within the Deposit Guarantee Scheme. At bunq, e-money accounts and non-euro Local Currency accounts are not covered by the DGS.
That said, bunq takes additional steps to protect these balances. Funds in non-euro Local Currency accounts are held in third-party accounts, separate from bunq's own assets, which limits exposure to credit risk from bunq as a counterparty.
For Business Account holders: if your business is a sole proprietorship, it shares coverage with your Personal Account under the one-account-per-bank principle. If your business is a separate legal entity, such as a private limited company, its deposits are protected independently from your personal deposits.
What this means for you
Banking with bunq carries the same legal safety net as banking with any other licensed European bank. Your eligible money is protected by law, your data is secured, and you don't need to do anything to benefit from the coverage.
To learn more about how bunq keeps your money safe, visit the security page.
Table of contents
A deposit guarantee is a legal protection that covers your money if your bank fails. If a licensed bank can no longer meet its obligations, the guarantee scheme ensures eligible depositors get their money back, up to a set limit.
In Europe, that limit is €100,000 per depositor, per bank. This protection applies across all EU member states, meaning you get the same level of coverage whether your bank is based in the Netherlands, Germany, France, or any other EU country.
How the Dutch Deposit Guarantee Scheme works
bunq holds a banking license issued by De Nederlandsche Bank (DNB), which means your eligible deposits are covered by the Dutch Deposit Guarantee Scheme (DGS).
If bunq were ever unable to meet its obligations to you, DNB would step in to ensure you receive your eligible funds back, up to €100,000 per person. This covers the full amount of your deposits, including any interest earned. The process happens without you needing to take any action.
The scheme covers balances held in:
Savings Accounts
This protection applies to all bunq subscription plans. You don't need to do anything to activate it, it's in place automatically for all eligible accounts.
What's not covered
Not all financial products fall within the Deposit Guarantee Scheme. At bunq, e-money accounts and non-euro Local Currency accounts are not covered by the DGS.
That said, bunq takes additional steps to protect these balances. Funds in non-euro Local Currency accounts are held in third-party accounts, separate from bunq's own assets, which limits exposure to credit risk from bunq as a counterparty.
For Business Account holders: if your business is a sole proprietorship, it shares coverage with your Personal Account under the one-account-per-bank principle. If your business is a separate legal entity, such as a private limited company, its deposits are protected independently from your personal deposits.
What this means for you
Banking with bunq carries the same legal safety net as banking with any other licensed European bank. Your eligible money is protected by law, your data is secured, and you don't need to do anything to benefit from the coverage.
To learn more about how bunq keeps your money safe, visit the security page.