Deposit Guarantee Scheme

The deposit guarantee aims at providing coverage for unavailable deposits with banks, which are due and payable according to the applicable statutory and contractual conditions, but cannot be paid out in the event of default of the bank.

If the so-called "compensation event" occurs at a Liechtenstein bank (that is in an pre-existing contractual relationship with EAS) due to a debt moratorium or bankruptcy as referred to Article 7 EAG, the participants in the bank cell of the Deposit Guarantee and Investor Compensation Foundation PCC (EAS) are under the obligation to provide funds in order to enable EAS to pay out claims to eligible depositors as quickly as possible.

The deposits of individual private or corporate clients are guaranteed up to a maximum of CHF 100,000 or the equivalent of this amount in another currency. Deposits are all kinds of account balances as well as call money and time deposits (accrued interests are included). If a client has several accounts with a bank or if, in addition to his own account, he also owns a share in a joint account, the cap does not apply to each account individually but to all his accounts on a consolidated basis.

Further answers to your questions are available in our leaflet or in the frequently asked questions (FAQ).

Depositor Information Template under Article 30(3) EAG

We have summarized the relevant information on deposit insurance in Liechtenstein in the Depositor Information Sheet, abailable in German, English, French and Italian. You can call up the Depositor Information Sheet as a PDF document by clicking on the link.

Liechtenstein banks must make this Depositor Information Sheet available to depositors before concluding a contract for the receipt of deposits.