Deposit guarantee
If a bank fails, the Bank Deposit Guarantee Fund, financed by the banks' contributions, returns up to €100,000 to each depositor.
How are bank deposits guaranteed?
Money held at a Romanian bank is guaranteed by the Bank Deposit Guarantee Fund (FGDB) up to the lei equivalent of €100,000 per depositor, per bank. At the Romanian branch of a bank from another EU state, the cover comes from that bank's home scheme; the FGDB may pay out here on its behalf.
For some temporary balances, such as proceeds from selling a home or compensation payments, the law gives additional cover for 12 months.
The ceiling applies per bank, not per account. Three accounts at the same bank are guaranteed together up to €100,000. Two different banks mean two ceilings.
The guarantee protects against the bank failing, not against inflation. A guaranteed deposit can lose value in real terms, just as in the first chapter.
Investments with a broker have a separate scheme, the Investor Compensation Fund, with a €20,000 ceiling. It covers a broker unable to return your money or securities, not falling prices.
€120,000 at one bank: €100,000 is guaranteed. Split across two banks, all of it is.
How much is guaranteed in a Romanian bank account?
The lei equivalent of €100,000 per depositor, per bank, through the Bank Deposit Guarantee Fund.
Are investments guaranteed too?
Not by the FGDB. Money and securities held with a broker have the Investor Compensation Fund, up to €20,000, which does not cover falling prices.
Related terms
Sources
- Law 243/2024 capping the cost of credit from non-bank lenders · legislatie.just.ro
Checked on 27 September 2026. Rules and figures can change.
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