esisuisse is the depositor protection 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.
This website will provide answers to questions you might have about the depositor protection scheme.
The most important answers at the click of a mouse:
Who is protected by esisuisse?
What are preferential deposits?
What are protected deposits?
Which banks are participating in the depositor protection scheme?