New European directive expands protection of bank deposits and improves transparency of guarantee funds
20 Apr 2026
Effective: 30 Mar 2026
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Who is affected:
Banking entities, deposit guarantee funds, depositors and savers in the EU
Summary
The EU updates the rules for protecting bank savings, expanding which deposits are covered and how guarantee funds can be used. It also improves cooperation between countries and information for citizens.
Detailed analysis
PRO
Directive 2026/804 amends Directive 2014/49/UE to strengthen the European deposit guarantee system along four key axes. First, it expands the scope of protected deposits, potentially including new categories of account holders or products. Second, it flexibilizes and regulates the use of deposit guarantee scheme (DGS) …
Full official title
CELEX:32026L0804: Directiva (UE) 2026/804 del Parlamento Europeo y del Consejo, de 30 de marzo de 2026, por la que se modifica la Directiva 2014/49/UE en lo que respecta al alcance de la protección de los depósitos, la utilización de los fondos de los sistemas de garantía de depósitos, la cooperación transfronteriza y la transparencia (Texto pertinente a efectos del EEE)