Article 25 2.

the total deposit balance, including all the client's deposit accounts at that credit institution or group, exceeds EUR 500 000 ;

the deposit is an internet access-only account;

the deposit offers an interest rate that fulfils any of the following conditions:

the deposit was originally placed as fixed-term with an expiry date maturing within the 30 calendar day period or the deposit presents a fixed notice period shorter than 30 calendar days, in accordance with contractual arrangements, other than those deposits that qualify for the treatment provided for in paragraph 4;

for credit institutions established in the Union, the depositor is resident in a third country or the deposit is denominated in a currency other than the euro or the domestic currency of a Member State. For credit institutions or branches in third countries, the depositor is a non-resident in the third country or the deposit is denominated in another currency than the domestic currency of the third country;