Deposit guarantee funds hit €85bn, 0.8% target met
The European Banking Authority (EBA) reports that EU deposit guarantee scheme funds reached €85 billion by end-2025. All but one national DGS met the legally required 0.8 percent target level of covered deposits.
Funds surpass target, ready for payouts
All national deposit guarantee schemes (DGSs) in the European Union (EU) reached the legally required minimum target level of 0.8 percent of covered deposits by the end of 2024, in line with the Deposit Guarantee Scheme Directive (DGSD).
Over an 11-year build-up through bank contributions, available financial means aggregated to €85 billion by end-2025, ready to reimburse depositors in case of bank failure.
Covered deposits increased by 2.9 percent to €9.1 trillion between 2024 and 2025.
DGS funds protecting those deposits grew faster, at 4.9 percent, as some schemes continued to build buffers above the minimum.
As of end-2025, 32 of 33 EU DGSs are at or above this threshold.
One scheme is currently below the target following a recent payout to depositors.
Overall, available DGS funds increased by 4.9 percent in 2025 to €85 billion.
Protecting depositors, securing funds
The Deposit Guarantee Scheme Directive (DGSD) ensures depositors are protected, guaranteeing up to €100,000 per depositor per bank if a bank fails.
All EU banks contribute to their national DGSs, which aim to reimburse depositors within seven days.
The deadline for DGSs to reach the 0.8 percent minimum target was 3 July 2024.
Beyond prefunded resources, DGSs can secure additional funding through extraordinary bank contributions and access to short-term financing.
The EBA's annual data covers the 27 EU Member States and the European Economic Area (EEA) countries Iceland, Norway, and Liechtenstein.
This collection adheres to Article 10(10) of the DGSD and EBA Decision EBA/DC/2018/243.