Where is it insured?

Deposits at banks, building societies and credit cooperatives with their registered office in the Czech Republic are insured by law. The branches of banks with registered office outside an EU Member State are also obliged to participate in the Czech deposit insurance system.

List of deposit insurance participants with the Guarantee System

Banks with their registered office in the Czech Republic

Branches of banks with their registered office outside EU 

Note:Deposits at the branches of foreign banks with registered office in EU Member States operating in the Czech Republic are insured by the system of the parent bank’s home country. A list of foreign deposit insurance schemes can be found in Useful links.

Building societies

Credit Cooperatives

Cross-border payouts

Deposits at branches of foreign banks with registered office in an EU Member State operating on our market, for example mBank, ING bank etc., are insured according to the legislation in the country in which the parent bank has its registered office. If such bank goes bankrupt, the payout of deposit compensation for these banks in the Czech Republic will now be organised by the Financial Market Guarantee System according to the instructions of the foreign deposit insurance scheme from the country in which the bank has its registered office. The Guarantee System will also provide information and accept written submissions on behalf of the foreign deposit insurance scheme.

List of deposit insurance participants insured in EU Member States with branches in the Czech Republic

Branches of banks with their registered office in EU