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1Clear out junk files and repair common Windows errors2Fix the driver behind crashes, sound loss and screen glitches3Repair Windows errors before they cause bigger problemsTo check whether your bank deposits are covered in Romania, identify the legal entity holding your money, confirm which deposit guarantee scheme applies, and total your eligible balances at that bank. For eligible deposits at a Romanian bank covered by the Fondul de Garantare a Depozitelor Bancare (FGDB), the standard limit is €100,000 equivalent in lei per depositor per bank—not per account. Romanian branches of banks headquartered elsewhere in the EU use their home-country scheme.
How to check your deposit coverage
- Find the legal bank entity. Check the account or deposit agreement for the name of the institution that owes you the balance. A brand name or the location of a branch alone does not establish which guarantee scheme applies.
- Verify the applicable scheme. Check the institution against FGDB’s current depositor protection information. If your account is with a Romanian branch of a bank headquartered in another EU member state, its home-country scheme applies rather than FGDB. FGDB’s official FAQ explains this distinction.
- Confirm that the balance is a deposit. FGDB gives current, savings, term, card-linked and joint accounts as examples of deposits; deposits in any currency may qualify. The legal nature of the product matters, so do not assume that an account-like balance or an investment is a guaranteed deposit.
- Add up eligible balances at each bank. Combine your eligible deposits and accrued interest at the same bank, including balances held in different accounts. Apply the limit separately to each depositor at each bank.
- Check ownership, currency and special circumstances. For joint accounts, use the contractual ownership shares, or equal shares if none are specified. Foreign-currency balances are converted to lei using the BNR exchange rate on the date the deposits are declared unavailable. Check whether a qualifying temporary high balance applies and retain documents proving its source and timing.
- Review exclusions and offsets. Check FGDB’s FAQ and the applicable law for product exclusions and how debts or other amounts may affect compensation. For an unusual account or balance, confirm the treatment with the bank and FGDB rather than relying on the product label.
Which scheme protects the money?
The bank’s legal identity—not the logo on a card or the country where you opened an account—determines the applicable scheme. Deposits at participating Romanian-incorporated banks are covered by FGDB. A Romanian branch of a bank headquartered in another EU member state is covered by the scheme in the bank’s home country. The FGDB coverage and depositor guidance pages explain the distinction: coverage limit and depositor protection.
For the current legal framework and related regulations, consult FGDB’s legislation index. Because institutional participation and legal rules can change, verify the current information rather than relying on an old list or a bank’s trading name.
What counts as a covered deposit?
FGDB describes a deposit as a creditor balance arising from money in an account or from ordinary banking operations. Its examples include term deposits, current accounts, savings accounts, card accounts and joint accounts. Deposits in any currency may be eligible, but the product must legally qualify as a deposit and the institution must belong to the relevant scheme. FGDB’s FAQ sets out further details.
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Do not treat every financial asset or stored balance as a bank deposit. FGDB identifies government securities and funds received for electronic-money purchases among the items outside its guarantee, alongside exchange-office and pawn-shop deposits and other statutory categories. Business deposits can be covered, subject to statutory exceptions. This is not an exhaustive list of exclusions: check Law 311/2015 and its annex as amended through FGDB’s legislation index.
How the €100,000 limit works
FGDB’s standard ceiling is €100,000 equivalent per depositor per bank, across eligible accounts. It is not a separate €100,000 allowance for every account. FGDB states that compensation is paid in lei; for foreign-currency deposits, the conversion uses the BNR exchange rate on the date the deposits become unavailable. See FGDB’s coverage guidance and depositor information.
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Joint accounts
FGDB guidance allocates a joint-account balance according to the shares set out in the agreement. If the agreement does not specify shares, the balance is divided equally among the account holders. Each person’s share is then assessed against that depositor’s applicable limit at the bank.
Qualifying temporary high balances
Some temporary high balances may receive an additional €100,000 equivalent of coverage for 12 months. FGDB identifies qualifying sums linked to residential-property transactions; retirement, dismissal, marriage, divorce, invalidity or death; and insurance benefits or compensation for criminal injury or wrongful conviction. The extra protection is conditional: the source and timing must meet statutory requirements. Keep evidence and check the specific case against FGDB’s FAQ and current legislation.
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What may reduce compensation?
FGDB says its calculation includes covered deposits and interest through the relevant date, subject to the limit. It may deduct applicable liabilities, fees, unpaid instalments, tax on interest and blocked sums. Amounts above the guaranteed ceiling may need to be pursued as a creditor claim in the bank insolvency process. For a personal calculation, review your agreement and FGDB’s compensation guidance.
How compensation is paid if deposits become unavailable
The process begins when BNR declares deposits unavailable and notifies FGDB. FGDB then publicizes the procedure and arranges payment through one or more appointed banks. FGDB says payments begin within at most seven working days from the date deposits are declared unavailable. Compensation may be collected in cash or transferred to an account, and FGDB says the depositor is not charged a fee for receiving it. Follow the current FGDB announcement for the appointed bank, required documents and collection procedure.
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What Romania’s coverage figures do—and do not—tell you
FGDB reported that eligible deposits covered by its scheme totalled 591.4 billion lei on 30 June 2026, up 0.7% in the second quarter. That system-wide figure, published on 5 August 2026, describes covered deposits overall; it does not determine an individual account’s eligibility or personal coverage amount. See FGDB’s 30 June 2026 deposit update.
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