European Banking Authority publishes end-2025 data showing EU deposit guarantee funds reached EUR 85bn and 32 of 33 schemes were above target

The European Banking Authority published end-2025 data on the financial means available to deposit guarantee schemes and the covered deposits they protect under the Deposit Guarantee Schemes Directive. The update shows aggregate available funds reached EUR 85bn after 11 years of bank contributions, and all national deposit guarantee schemes in the European Union had met the legally required minimum target level of 0.8% of covered deposits by the end of 2024. By the end of 2025, covered deposits had risen 2.9% to EUR 9.1tn, while deposit guarantee scheme funds grew faster, increasing 4.9% as some schemes continued to build buffers above the minimum. At that point, 32 of 33 EU schemes were at or above the 0.8% threshold, while one was below it following a recent payout to depositors. The regime guarantees deposits of up to EUR 100,000 per depositor per bank, with schemes primarily used to reimburse depositors within seven days of a bank failure. In addition to prefunded resources, schemes also have arrangements for extraordinary bank contributions and short-term financing when needed.