---
title: "Countries With the Highest Deposit Protection — Geo-Parity"
description: "Statutory deposit-guarantee limits per depositor per bank, read from each scheme or regulator and converted to US dollars for comparison — highest first."
canonical: "https://geo-parity.com/best/countries-with-the-highest-deposit-protection/"
generator: geo-parity markdown twin
---
# 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 |  |
| --- | --- | --- | --- |
| 1 | [🇫🇲 Micronesia](https://geo-parity.com/ppp/micronesia/) | 250,000 | 250,000 USD |
| 2 | [🇲🇭 Marshall Islands](https://geo-parity.com/ppp/marshall-islands/) | 250,000 | 250,000 USD |
| 3 | [🇵🇼 Palau](https://geo-parity.com/ppp/palau/) | 250,000 | 250,000 USD |
| 4 | [🇺🇸 United States](https://geo-parity.com/expenses/?tab=total) | 250,000 | 250,000 USD |
| 5 | [🇳🇴 Norway](https://geo-parity.com/ppp/norway/) | 192,382 | 2,000,000 NOK (secondary source) |
| 6 | [🇦🇺 Australia](https://geo-parity.com/ppp/australia/) | 161,082 | 250,000 AUD |
| 7 | [🇬🇧 United Kingdom](https://geo-parity.com/ppp/united-kingdom/) | 158,103 | 120,000 GBP |
| 8 | [🇮🇩 Indonesia](https://geo-parity.com/ppp/indonesia/) | 121,375 | 2,000,000,000 IDR (secondary source) |
| 9 | [🇨🇭 Switzerland](https://geo-parity.com/ppp/switzerland/) | 120,337 | 100,000 CHF |
| 10 | [🇸🇪 Sweden](https://geo-parity.com/ppp/sweden/) | 117,096 | 1,150,000 SEK |
| 11 | [🇦🇩 Andorra](https://geo-parity.com/ppp/andorra/) | 112,994 | 100,000 EUR |
| 12 | [🇦🇹 Austria](https://geo-parity.com/ppp/austria/) | 112,994 | 100,000 EUR |
| 13 | [🇧🇪 Belgium](https://geo-parity.com/ppp/belgium/) | 112,994 | 100,000 EUR |
| 14 | [🇧🇬 Bulgaria](https://geo-parity.com/ppp/bulgaria/) | 112,994 | 100,000 EUR |
| 15 | [🇨🇾 Cyprus](https://geo-parity.com/ppp/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](https://geo-parity.com/money/?tab=banking) runs the same engine against your own figures, and every country above links to its own page.

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- [Where has money moved between banks in seconds the longest?](https://geo-parity.com/best/countries-with-the-oldest-instant-payment-systems/)
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- [Where does a £1,500 pension cover the most?](https://geo-parity.com/best/countries-where-1500-a-month-goes-furthest/)
- [Where is a company's investment taxed least?](https://geo-parity.com/best/countries-with-the-lowest-effective-corporate-tax/)
- [Where can a local owner register a company fastest?](https://geo-parity.com/best/countries-where-a-company-is-fastest-to-register/)

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Source: Geo-Parity — https://geo-parity.com/best/countries-with-the-highest-deposit-protection/