De | En | Fr | It
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?
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?
Secured and privileged deposits are safe - even when the bank's restructuring is ordered by FINMA

According to the Banking Insolvency Ordinance (BIO-FINMA) of the Swiss Financial Market Supervisory Authority (FINMA), FINMA can, under certain conditions, order that a bank be restructured rather than liquidated. These restructuring measures can apply to the entire bank or to specific units within the bank at risk. Such a restructuring plan can also provide for debt capital to be converted into equity capital.

The object of converting debt capital into equity capital is to cover the bank's capital requirement. Article 48 of the BIO-FINMA specifies that debt capital is converted according to the following ranking:
  1. subordinated claims without capital adequacy eligibility,
  2. other claims not excluded from the conversion, with the exception of deposits, and
  3. deposits, in so far as they are not privileged.
Under no circumstances can privileged or secured deposits be converted into equity capital. The corresponding credit balances are therefore available to the bank clients.
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?