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Sony Kubbel von Berlin
Answers to your questions


Who is protected by esisuisse?
When does the depositor protection scheme have to spring into action?
What are preferential deposits?
What are protected deposits?
A large portion of preferential deposits are protected by the statutory esisuisse Deposit Protection Scheme. esisuisse, i.e. all of its members (all banks and securities dealers in Switzerland), make money available for these protected deposits to ensure the prompt payment to entitled creditors in the event of a bank going bankrupt. Accordingly, the following preferential deposits are protected by esisuisse up to a maximum of CHF 100 000:
  • Balances of private individuals, commercial enterprises and public-sector offices; e.g. personal accounts, savings accounts, investment accounts, salary accounts, numbered accounts, deposit accounts and current accounts.
  • Medium-term notes held in the name of the bearer at the issuing bank.
Do this preferential treatment and protection apply per account or per depositor?
What happens to the deposits if FINMA imposes rehabilitation measures on a bank?
Which banks are participating in the depositor protection scheme?
Does the depositor protection scheme also apply to foreign banks?
Does the depositor protection scheme also apply to foreign branches of Swiss banks?
Unauthorised institutions
Are deposits denominated in a currency other than the CHF also classed as preferential?
Are deposits held on vested benefits accounts preferential?
Are Pillar 3a (restricted pension scheme) deposits preferential?
Are securities in a securities account (shares, fund units, certificates, etc.) protected or preferential?
What are the rules for joint accounts?
What are the rules for collective accounts (collective accountholders)?
Do credit balances on precious metal accounts count as protected deposits for the purposes of depositor protection? Do they come under the CHF 100 000 cover per customer?
How high is the maximum amount covered by the depositor protection scheme?
How can so much cash be found in such a short time?
What does the 125% rule mean?
Does the bank have a right of set-off against preferential deposits?