Where does the state guarantee the most of your savings?
Micronesia leads on guaranteed per bank at 250,000; Cyprus is last of the 15 shown at 112,994.
Every figure here is the maximum a national scheme pays one depositor if a bank fails, per bank, not per account. The law sets it in local currency; the dollar figure beside it exists only so the ceilings can be lined up, and it moves with the exchange rate rather than with the law.
Countries with no deposit-insurance scheme are absent rather than ranked at zero — the register behind this page records which those are and why. Money held with an e-money provider or payment app is usually safeguarded instead of guaranteed, which is a different promise: the funds are kept apart from the firm's own, but there is no fast statutory payout.
This is information, not financial advice, and a high ceiling is not a recommendation: it says what the state underwrites, nothing about a bank's own strength.
| # | Country | Guaranteed per bank | Note |
|---|---|---|---|
| 1 | 🇫🇲 Micronesia | 250,000 | 250,000 USD |
| 2 | 🇲🇭 Marshall Islands | 250,000 | 250,000 USD |
| 3 | 🇵🇼 Palau | 250,000 | 250,000 USD |
| 4 | 🇺🇸 United States | 250,000 | 250,000 USD |
| 5 | 🇳🇴 Norway | 192,382 | 2,000,000 NOK (secondary source) |
| 6 | 🇦🇺 Australia | 161,082 | 250,000 AUD |
| 7 | 🇬🇧 United Kingdom | 158,103 | 120,000 GBP |
| 8 | 🇮🇩 Indonesia | 121,375 | 2,000,000,000 IDR (secondary source) |
| 9 | 🇨🇭 Switzerland | 120,337 | 100,000 CHF |
| 10 | 🇸🇪 Sweden | 117,096 | 1,150,000 SEK |
| 11 | 🇦🇩 Andorra | 112,994 | 100,000 EUR |
| 12 | 🇦🇹 Austria | 112,994 | 100,000 EUR |
| 13 | 🇧🇪 Belgium | 112,994 | 100,000 EUR |
| 14 | 🇧🇬 Bulgaria | 112,994 | 100,000 EUR |
| 15 | 🇨🇾 Cyprus | 112,994 | 100,000 EUR |
How this is worked out: Statutory deposit-guarantee limit per depositor per institution, hand-curated from each scheme or regulator's published page and checked on the date shown, converted to USD at the site's FX snapshot, highest first; countries with no scheme or no published ceiling excluded. Reviewed 2026-09-17. Estimates for comparison, not advice.
Check your own numbers
A ranking is a starting point, not an answer — your income, household and destination change the order. The Banking access runs the same engine against your own figures, and every country above links to its own page.