The Fundo de Garantia de Depósitos guarantees the full repayment of the overall value of the cash credit balances of each depositor, up to a limit of 100 000 EUR per member credit institution.

The following deposits will nonetheless be fully guaranteed, therefore potentially to beyond the 100 000 EUR limit, for a year after the amount has been credited in the respective deposit account:

1. deposits resulting from real estate transactions relating to private residential properties;

2. deposits that serve social purposes laid down in a specific statutory law;

3. deposits whose amount results from the payment of insurance benefits or compensation for criminal injuries or wrongful conviction.