All national deposit guarantee schemes (DGSs) in the European Union reached the legally required minimum target level of 0.8% of covered deposits by end-2024, and available funds grew to €85bn by end-2025, the European Banking Authority (EBA) reported on 30 June 2026. The funds, built up over 11 years through bank contributions, are ready to reimburse depositors up to €100,000 per depositor per bank in case of failure. Covered deposits rose 2.9% to €9.1tn between 2024 and 2025, while DGS funds grew faster at 4.9%, as some schemes continued to build buffers above the minimum.
The data, published annually under Article 10(10) of the Deposit Guarantee Scheme Directive (DGSD), covers the 27 EU Member States plus Iceland, Norway and Liechtenstein. As of end-2025, 32 of 33 EU DGSs are at or above the 0.8% threshold; one scheme is below following a recent payout to depositors. The DGSD deadline for reaching the minimum target was 3 July 2024. In addition to prefunded resources, DGSs have arrangements for extraordinary contributions from banks and short-term financing. The EBA also issued guidelines in December 2021 on reporting available financial means, further strengthening requirements.
The publication enhances transparency for depositors, markets, policymakers, DGSs and Member States. The EBA collects the data under Decision EBA/DC/2018/243 of 23 July 2018. The growing funds provide a safety net for EU depositors, though the single scheme below target highlights the impact of payouts on fund levels. No prior coverage of this data exists in the last 180 days.