+DIRECTIVE 2014/49/EU OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 16 April 2014 on deposit guarantee schemes (recast) (Text with EEA relevance)
---+Article 1 Subject matter and scope
------+Article 1 1.
------+Article 1 2.
------+Article 1 3.
---+Article 2 Definitions
------+Article 2 1.
------+Article 2 2.
------+Article 2 3.
---+Article 3 Relevant administrative authorities
------+Article 3 1.
------+Article 3 2.
---+Article 4 Official recognition, membership and supervision
------+Article 4 1.
------+Article 4 2.
------+Article 4 3.
------+Article 4 4.
------+Article 4 5.
------+Article 4 6.
------+Article 4 7.
------+Article 4 8.
------+Article 4 9.
------+Article 4 10.
------+Article 4 11.
------+Article 4 12.
---+Article 5 Eligibility of deposits
------+Article 5 1.
------+Article 5 2.
------+Article 5 3.
------+Article 5 4.
---+Article 6 Coverage level
------+Article 6 1.
------+Article 6 2.
------+Article 6 3.
------+Article 6 4.
------+Article 6 5.
------+Article 6 6.
------+Article 6 7.
---+Article 7 Determination of the repayable amount
------+Article 7 1.
------+Article 7 2.
------+Article 7 3.
------+Article 7 4.
------+Article 7 5.
------+Article 7 6.
------+Article 7 7.
------+Article 7 8.
------+Article 7 9.
---+Article 8 Repayment
------+Article 8 1.
------+Article 8 2.
------+Article 8 3.
------+Article 8 4.
------+Article 8 5.
------+Article 8 6.
------+Article 8 7.
------+Article 8 8.
------+Article 8 9.
---+Article 9 Claims against DGSs
------+Article 9 1.
------+Article 9 2.
------+Article 9 3.
---+Article 10 Financing of DGSs
------+Article 10 1.
------+Article 10 2.
------+Article 10 3.
------+Article 10 4.
------+Article 10 5.
------+Article 10 6.
------+Article 10 7.
------+Article 10 8.
------+Article 10 9.
------+Article 10 10.
---+Article 11 Use of funds
------+Article 11 1.
------+Article 11 2.
------+Article 11 3.
------+Article 11 4.
------+Article 11 5.
------+Article 11 6.
---+Article 12 Borrowing between DGSs
------+Article 12 1.
------+Article 12 2.
------+Article 12 3.
---+Article 13 Calculation of contributions to DGSs
------+Article 13 1.
------+Article 13 2.
------+Article 13 3.
---+Article 14 Cooperation within the Union
------+Article 14 1.
------+Article 14 2.
------+Article 14 3.
------+Article 14 4.
------+Article 14 5.
------+Article 14 6.
------+Article 14 7.
------+Article 14 8.
---+Article 15 Branches of credit institutions established in third countries
------+Article 15 1.
------+Article 15 2.
------+Article 15 3.
---+Article 16 Depositor information
------+Article 16 1.
------+Article 16 2.
------+Article 16 3.
------+Article 16 4.
------+Article 16 5.
------+Article 16 6.
------+Article 16 7.
------+Article 16 8.
---+Article 17 List of authorised credit institutions
------+Article 17 1.
------+Article 17 2.
---+Article 18 Exercise of the delegation
------+Article 18 1.
------+Article 18 2.
------+Article 18 3.
------+Article 18 4.
------+Article 18 5.
---+Article 19 Transitional provisions
------+Article 19 1.
------+Article 19 2.
------+Article 19 3.
------+Article 19 4.
------+Article 19 5.
------+Article 19 6.
---+Article 20 Transposition
------+Article 20 1.
------+Article 20 2.
---+Article 21 Repeal
---+Article 22 Entry into force
---+Article 23 Addressees
---+ANNEX I
---+ANNEX II
---+ANNEX III
English - European Union - Financial Industry -

DIRECTIVE 2014/49/EU OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 16 April 2014 on deposit guarantee schemes (recast) (Text with EEA relevance)

DIRECTIVE 2014/49/EU OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL

of 16 April 2014

on deposit guarantee schemes

(recast)

(Text with EEA relevance)

1. Vue d’ensemble

,
Intitulé Réglementation
Article 1 Subject matter and scope
Article 2 Definitions
Article 3 Relevant administrative authorities
Article 4 Official recognition, membership and supervision
Article 5 Eligibility of deposits
Article 6 Coverage level
Article 7 Determination of the repayable amount
Article 8 Repayment
Article 9 Claims against DGSs
Article 10 Financing of DGSs
Article 11 Use of funds
Article 12 Borrowing between DGSs
Article 13 Calculation of contributions to DGSs
Article 14 Cooperation within the Union
Article 15 Branches of credit institutions established in third countries
Article 16 Depositor information
Article 17 List of authorised credit institutions
Article 18 Exercise of the delegation
Article 19 Transitional provisions
Article 20 Transposition
Article 21 Repeal

Article 21

Repeal

Directive 94/19/EC as amended by the Directives listed in Annex II is repealed with effect from ►C2  4 July 2015 ◄ without prejudice to the obligations of the Member States relating to the time limits for transposition into national law and the dates of application of the Directives set out in Annex II.

References to the repealed Directives shall be construed as references to this Directive and shall be read in accordance with the correlation table in Annex III.

Article 22 Entry into force

Article 22

Entry into force

This Directive shall enter into force on the twentieth day following that of its publication in the Official Journal of the European Union.

Points (a), (b) and (c) of Article 5(1), Article 6(1), Article 7(1), (2) and (3), Article 8(8), Article 9(1) and Article 17 shall apply from 4 July 2015.

Article 23 Addressees

Article 23

Addressees

This Directive is addressed to the Member States.

ANNEX I




ANNEX I



DEPOSITOR INFORMATION TEMPLATE

Basic information about the protection of deposit

Deposits in [insert name of credit institution] are protected by:

[insert the name of the relevant DGS] (1)

Limit of protection:

EUR 100 000 per depositor per credit institution (2)

[replace by adequate amount if currency not EUR]

[where applicable:] The following trademarks are part of your credit institution [insert all trademarks which operate under the same licence]

If you have more deposits at the same credit institution:

All your deposits at the same credit institution are ‘aggregated’ and the total is subject to the limit of EUR 100 000 [replace by adequate amount if currency not EUR] (2)

If you have a joint account with other person(s):

The limit of EUR 100 000 [replace by adequate amount if currency not EUR] applies to each depositor separately (3)

Reimbursement period in case of credit institution’s failure:

7 working days (4)

[replace by another deadline if applicable]

Currency of reimbursement:

euro [replace by another currency where applicable]

Contact:

[insert the contact data of the relevant DGS

(address, telephone, e-mail, etc.)]

More information:

[insert the website of the relevant DGS]

Acknowledgement of receipt by the depositor:

 

Additional information (all or some of the below)

(1)   

Scheme responsible for the protection of your deposit


[Only where applicable:] Your deposit is covered by a contractual scheme officially recognised as a Deposit Guarantee Scheme. If insolvency of your credit institution should occur, your deposits would be repaid up to EUR 100 000 [replace by adequate amount if currency not EUR].


[Only where applicable:] Your credit institution is part of an Institutional Protection Scheme officially recognised as a Deposit Guarantee Scheme. This means that all institutions that are members of this scheme mutually support each other in order to avoid insolvency. If insolvency should occur, your deposits would be repaid up to EUR 100 000 [replace by adequate amount if currency not EUR].


[Only where applicable:] Your deposit is covered by a statutory Deposit Guarantee Scheme and a contractual Deposit Guarantee Scheme. If insolvency of your credit institution should occur, your deposits would in any case be repaid up to EUR 100 000 [replace by adequate amount if currency not EUR].


[Only where applicable:] Your deposit is covered by a statutory Deposit Guarantee Scheme. In addition, your credit institution is part of an Institutional Protection Scheme in which all members mutually support each other in order to avoid insolvency. If insolvency should occur, your deposits would be repaid up to EUR 100 000 [replace by adequate amount if currency not EUR] by the Deposit Guarantee Scheme.

(2)   

General limit of protection


If a deposit is unavailable because a credit institution is unable to meet its financial obligations, depositors are repaid by a Deposit Guarantee Scheme. This repayment covers at maximum EUR 100 000 [replace by adequate amount if currency not EUR] per credit institution. This means that all deposits at the same credit institution are added up in order to determine the coverage level. If, for instance a depositor holds a savings account with EUR 90 000 and a current account with EUR 20 000 , he or she will only be repaid EUR 100 000 .


[Only where applicable:] This method will also be applied if a credit institution operates under different trademarks. The [insert name of the account-holding credit institution] also trades under [insert all other trademarks of the same credit institution]. This means that all deposits with one or more of these trademarks are in total covered up to EUR 100 000 .

(3)   

Limit of protection for joint accounts


In case of joint accounts, the limit of EUR 100 000 applies to each depositor.


[Only where applicable:] However, deposits in an account to which two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, are aggregated and treated as if made by a single depositor for the purpose of calculating the limit of EUR 100 000 [replace by adequate amount if currency not EUR].


In some cases [insert cases defined in national law] deposits are protected above EUR 100 000 [replace by adequate amount if currency not EUR]. More information can be obtained under [insert the website of the relevant DGS].

(4)   

Reimbursement

The responsible Deposit Guarantee Scheme is [insert name and address, telephone, e-mail and website]. It will repay your deposits (up to EUR 100 000 [replace by adequate amount if currency not EUR]) within [insert repayment period as is required by national law] at the latest, from [31 December 2023] within [7 working days].

[Add information on emergency/interim payout if repayable amount(s) are not available within 7 working days.]

If you have not been repaid within these deadlines, you should contact the Deposit Guarantee Scheme since the time to claim reimbursement may be barred after a certain time limit. Further information can be obtained under [insert website of the responsible DGS].

Other important information

In general, all retail depositors and businesses are covered by Deposit Guarantee Schemes. Exceptions for certain deposits are stated on the website of the responsible Deposit Guarantee Scheme. Your credit institution will also inform you on request whether certain products are covered or not. If deposits are covered, the credit institution shall also confirm this on the statement of account.

ANNEX II




ANNEX II

PART A

Repealed Directives together with their successive amendments (referred to in Article 21)

Directive 94/19/EC of the European Parliament and of the Council

Directive 2009/14/EC of the European Parliament and of the Council

PART B

Deadlines for transposition (referred to in Article 21)



Directive

Deadline for transposition

94/19/EC

1.7.1995

2009/14/EC

30.6.2009

2009/14/EC (second paragraph of point 3(i) of Article 1, Article 7(1a) and (3) and Article 10(1) of Directive 94/19/EC as amended by Directive 2009/14/EC)

31.12.2010

ANNEX III




ANNEX III



CORRELATION TABLE

Directive 94/19/EC

Directive 2009/14/EC

This Directive

—

—

Article 1

 

 

Article 2(1)(1)

Article 1(1)

 

Article 2(1)(3)

 

 

Article 2(1)(4)

Article 1(2)

 

Article 2(1)(7)

Article 1(3)

Article 1(1)

Article 2(1)(8)

Article 1(4)

 

Article 2(1)(9)

Article 1(5)

 

Article 2(1)(10)

 

 

Article 2(1)(11) to (18)

 

 

Article 2(2)

Article 1(1)

 

Article 2(3)

 

 

Article 3

Article 3(1)

 

Article 4(1)

 

 

Article 4(2)

Article 3(1)

 

Article 4(3)

Article 3(2)

 

Article 4(4)

Article 3(3)

 

Article 4(5) and (6)

 

 

Article 4(9)

 

 

Article 4(10) and (11)

Article 2

 

Article 5(1)(a), (b) and (c)

Article 7(2), Annex I(1)

 

Article 5(1)(d)

 

 

Article 5(1)(e)

Article 7(2), Annex I(10)

 

Article 5(1)(f)

Article 7(2), Annex I(2)

 

Article 5(1)(g)

Article 7(2), Annex I(5)

 

Article 5(1)(h)

Article 7(2), Annex I(6)

 

Article 5(1)(i)

Article 7(2), Annex I(3), (4)

 

Article 5(1)(j)

Article 7(2), Annex I(12)

 

Article 5(1)(k)

Article 7(1)

Article 1(3)(a)

Article 6(1)

 

 

Article 6(2) and (3)

 

 

Article 6(4)

 

Article 1(3)(a)

Article 6(5)

Article 7(5)

 

Article 6(6)

 

Article 1(3)(d)

Article 6(7)

Article 8

 

Article 7(1), (2) and (3)

 

 

Article 7(4) to (9)

Article 10(1)

Article 1(6)(a)

Article 8(1)

 

 

Article 8(2) to (6)

Article 10(4)

 

Article 8(7)

Article 10(5)

 

Article 8(8)

 

 

Article 8(9)

Article 7(6)

 

Article 9(1)

Article 11

 

Article 9(2)

 

 

Article 9(3)

 

 

Articles 10-13

Article 4(1)

 

Article 14(1)

 

 

Article 14(2) to (8)

Article 6

 

Article 15

Article 9(1)

Article 1(5)

Article 16(1), (2) and (3)

Article 9(2)

 

Article 16(4)

 

 

Article 16(5)

Article 13

 

Article 17

 

Article 1(4)

Article 18

1.1 Références

1.2 Exigences identifiées

1.3 Normes associées

2. Exigences identifiées

Exigences
Source Exigence

3. Normes associées

Normes
Source Exigence

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