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Deposit Insurance

esisuisse is the deposit insurance scheme that guarantees client money held with Swiss branches of banks and securities dealers. If a deposit is no longer available in the event of a bankruptcy, all clients have their savings repaid by the liquidator up to a maximum of CHF 100 000. This limit applies per client and bank.

Since 2005 esisuisse is responsible for providing the protection for deposits with banks and securities dealers required under the Banking Act. Should a bankruptcy occur, esisuisse calls in the amounts due from all members by direct debit and forwards the funds to the liquidator appointed by FINMA within 20 days. The liquidator immediately transfers the money as instructed by the clients to their accounts at another bank.

The Swiss Banking Act of 2005 stipulates that all Swiss branches of banks and securities dealers must have their preferential deposits protected by esisuisse. If a bank or securities dealer in Switzerland becomes insolvent, the other members of esisuisse will immediately provide the required funds. This collective scheme ensures that the clients of such an insolvent bank have their protected deposits paid out to them within one month. Deposits totalling no more than
CHF 100 000 per depositor are protected. The banks receive reimbursement of their contributions at a later date when the insolvent bank is liquidated.

Further informations

extranet esisuisse

For member institutions and their employees

Client information

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Here you will find all of the key information on the functioning and scope of esisuisse, the Swiss deposit insurance.

How safe is our money at the bank?

SRF radio report (German), 31.3.2018