EU deposit guarantee scheme funds to protect depositors against bank failures continue to grow and have reached a volume of €85bn, the EBA observes

• All national deposit guarantee schemes (DGSs) in the European Union (EU) reached the legally required minimum target level of 0.8% of covered deposits by end2024, in line with the Deposit Guarantee Scheme Directive (DGSD).
• Over an 11-year build-up through bank contributions, available funds reached €85bn of available financial means in aggregate by end-2025, ready to reimburse depositors in case of bank failure.
• Covered deposits increased by 2.9% to €9.1tn between 2024 and 2025, while DGS funds protecting those deposits grew faster (+4.9%), as some schemes continued to build buffers above the minimum.

The European Banking Authority (EBA) today published end-2025 data on two key concepts and indicators in the DGSD, namely financial means available to, and covered deposits protected by DGSs. This annual publication, covering each Member State, enhances transparency and accountability across the EU to the benefit of depositors, markets, policymakers, DGSs and Members States.

The DGSD ensures that depositors are protected if a bank fails by guaranteeing deposits of up to €100,000 per depositor per bank (or the equivalent in other currencies).

All EU banks are required to contribute to their national DGSs, which are primarily used to reimburse depositors within seven days of a bank failure. The deadline for DGSs to reach the minimum target level of 0.8% of covered deposits was 3 July 2024.

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% in 2025 to €85bn.

In addition to prefunded resources, DGSs have arrangements in place to secure additional funding when needed, including extraordinary contributions from banks and access to shortterm financing.

The data published today covers the 27 EU Member States, as well as Iceland, Norway and Liechtenstein, forming the European Economic Area (EEA).

Legal basis and background

The EBA collects data on DGSs under Article 10(10) of the DGSD and publishes it annually in accordance with Decision EBA/DC/2018/243 (23 July 2018).

In support of the Directive, the EBA also issued Guidelines EBA/GL/2021/17 in December 2021 on the delineation and reporting of available financial means (AFMs), further strengthening reporting requirements for DGSs.