Protection & safety · Jurisdiction CH

Depositor protection (Switzerland)

This is Swiss law, not the EU deposit-guarantee directive and not German EdB. Switzerland runs its own depositor protection. Educational snapshot: protected balances up to CHF 100,000 per customer per bank. Finmon does not calculate it.

In more detail

esisuisse is the self-regulatory organisation of banks in Switzerland. If a bank goes bankrupt, customer balances are protected up to the statutory cap. Banks must also hold assets located in Switzerland equal to 125% of their protected and privileged balances; protected balances rank preferentially in bankruptcy. Payout uses the bank's own liquidity first; if that is not enough, esisuisse funds the gap up to a statutory system cap of CHF 7.9 billion in total.

Background

Vested-benefits and Pillar 3a balances are, according to esisuisse, not covered by deposit insurance but may be preferential up to CHF 100,000. That is not an EdB-style compensation. Securities in a custody account are not deposits. As at 2026. Check amount and scope on esisuisse.ch. German EdB sentences and EU directive copy must not be pasted here.

An example

You hold CHF 80,000 in a Swiss savings account. Educational snapshot: within CHF 100,000 per customer per bank (verify). An EdB leaflet or an EU information sheet does not replace esisuisse.

A common misconception

Swiss depositor protection is German deposit insurance with a CHF sign.

esisuisse and the Banking Act form a Swiss system of privilege plus back-up funding. Finmon does not pay out.

Source: esisuisse · Einlegerschutz. Last reviewed: 2026-10-27. Editorially reviewed on 2026-10-27. Next review 2027-10-27. Version 0.2.0. Finmon explains. It does not advise. Not investment, tax or legal advice.