EU deposit guarantee scheme funds reach €85 billion in 2025

All national deposit guarantee schemes (DGSs) in the European Union (EU) met 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 a total of €85 billion, built over an 11-year period through bank contributions, and are prepared to reimburse depositors in case of bank failure.

Covered deposits increased by 2.9% to €9.1 trillion between 2024 and 2025, while DGS funds grew by 4.9%, as some schemes continued to build buffers above the minimum requirement.

The European Banking Authority (EBA) published data at the end of 2025 on the financial means available to DGSs and the deposits protected, enhancing 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 July 3, 2024.

As of end-2025, 32 of 33 EU DGSs are at or above the target threshold. One scheme is below the target following a recent payout. DGS funds can be supplemented through extraordinary contributions and short-term financing arrangements.

The data covers the 27 EU Member States, along with Iceland, Norway, and Liechtenstein, forming the European Economic Area (EEA).

The European Banking Authority collects and publishes this data annually under Article 10(10) of the DGSD, supported by guidelines issued in December 2021 to strengthen reporting requirements.