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BDIF guarantees full repayment of depositor’s funds with each individual bank, regardless of the number and size of the deposits, up to €100,000. This amount includes the principal and the interest accrued up to the date of the bank’s license revocation or on the declaration of unavailability of deposits with a bank. Additional protection up to €125,000 for a term of three months is provided for the following types of deposits: deposits of individuals arising from transactions with real estates for residential purposes; deposits of individuals arising from amounts paid in connection with conclusion or dissolution of marriage, termination of a labour contract or civil service contract, disability, or death; and deposits arising from insurance or social insurance payments or from payment of compensation for damages from crimes or reversed sentence.

The BDIF insures bank deposits of physical persons and legal entities both in euro and in foreign currency. Deposits are all funds in a bank account opened in the name of one or more persons: time and demand deposits, current and savings account, debit or credit cards accounts. Deposit insurance is applicable also to credit balances, which the bank shall repay to its customers under the terms provide by law or a contract signed.