حماية بقيمة €100,000،
بنكاً بنكاً.
أيٌّ من البنوك الرقمية الأوروبية الـ86 التي نتابعها تتمتّع فعلياً بتغطية نظام ضمان الودائع — وأيُّها يكتفي بـ"الصون" لأموالك. صفحة واحدة، تُحدَّث باستمرار.
تغطية DGS كاملة · سقف €100 ألف
26/86
من أصل البنوك الرقمية الـ86 التي نتابعها، تُعدّ 26 مؤسسات ائتمانية
تتمتّع بتغطية DGS وطنية كاملة.
صون فقط
41/86
مؤسسات النقود الإلكترونية ومؤسسات الدفع. تُعزَل الأموال في بنك حافظ، لكنها ليست مؤمَّنة.
أعلى سقف قانوني
€100 ألف
لكل مودِع، لكل مؤسسة ائتمانية مرخَّصة. سقفٌ موحَّد عبر الاتحاد الأوروبي بموجب توجيه
DGSD.
الولايات القضائية المشمولة
36
ألمانيا، ليتوانيا، هولندا، الدنمارك، فرنسا، أيرلندا، بلجيكا والمملكة المتحدة — لكلٍّ
منها نظامها الخاص.
01 — المتتبِّع
جميع الـ86، في جدول واحد.
فئة الترخيص، الجهة الرقابية، اسم النظام، والسقف الفعلي باليورو الذي ستحصل عليه في سيناريو الإفلاس. صفِّ النتائج حسب الحالة.
| البنك | الترخيص | السقف | النظام | الجهة الرقابية | الحالة |
|---|---|---|---|---|---|
| Revolut United Kingdom · since 2015 | Credit institution | €100,000 Per depositor | VĮ Indėlių ir investicijų draudimas LT · DGS | Bank of Lithuania | Full DGS |
| N26 Germany · since 2013 | Credit institution | €100,000 Per depositor | Entschädigungseinrichtung deutscher Banken DE · EdB | BaFin | Full DGS |
| bunq Netherlands · since 2012 | Credit institution | €100,000 Per depositor | De Nederlandsche Bank — DGS NL · DNB-DGS | De Nederlandsche Bank | Full DGS |
| Wise United Kingdom · since 2011 | E-money institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Safeguarded |
| Vivid Money Germany · since 2019 | E-money institution | Not insured Safeguarded at custody | Entschädigungseinrichtung deutscher Banken DE · EdB | Germany | Safeguarded |
| Qonto France · since 2017 | Payment institution | Not insured Safeguarded at custody | Fonds de Garantie des Dépôts FR · FGDR | France | Hybrid |
| Trade Republic Germany · since 2015 | Credit institution | €100,000 Per depositor | Entschädigungseinrichtung deutscher Banken DE · EdB | BaFin · Bundesbank | Full DGS |
| Monzo United Kingdom · since 2015 | Credit institution | €100,000 Per depositor | Irish Deposit Guarantee Scheme IE · DGS | FCA / PRA | Full DGS |
| Lunar Denmark · since 2015 | Credit institution | €100,000 Per depositor | Garantiformuen DK · GF | Finanstilsynet | Full DGS |
| Starling Bank United Kingdom · since 2014 | Credit institution | £85,000 Per depositor | FSCS (UK) UK · FSCS | FCA / PRA | Full DGS |
| Chime United States · since 2013 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Varo Money United States · since 2015 | Credit institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Full DGS |
| SoFi United States · since 2011 | Credit institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Full DGS |
| Cash App United States · since 2013 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Mercury United States · since 2017 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Nubank Brazil · since 2013 | Credit institution | R$250,000 Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | Full DGS |
| Mercado Pago Argentina · since 2003 | Payment institution | Not insured Safeguarded at custody | Seguro de Depósitos Sociedad Anónima AR · SEDESA | Argentina | Hybrid |
| Banco Inter Brazil · since 1994 | Credit institution | R$250,000 Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | Full DGS |
| C6 Bank Brazil · since 2018 | Credit institution | R$250,000 Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | Full DGS |
| Ualá Argentina · since 2017 | Payment institution | Not insured Safeguarded at custody | Seguro de Depósitos Sociedad Anónima AR · SEDESA | Argentina | Hybrid |
| Revolut Singapore Singapore · since 2019 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Hybrid |
| GoTyme Philippines · since 2022 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Hybrid |
| Tonik Philippines · since 2020 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Hybrid |
| K Bank Korea · since 2017 | Credit institution | ₩50,000,000 Per depositor | Korea Deposit Insurance Corporation KR · KDIC | Korea | Full DGS |
| Kakao Bank Korea · since 2017 | Credit institution | ₩50,000,000 Per depositor | Korea Deposit Insurance Corporation KR · KDIC | Korea | Full DGS |
| Rakuten Bank Japan · since 2001 | Credit institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Japan | Full DGS |
| Up Bank Australia · since 2018 | Payment institution | Not insured Safeguarded at custody | Financial Claims Scheme AU · FCS | Australia | Hybrid |
| Liv. United Arab Emirates · since 2017 | E-money institution | Not insured Safeguarded at custody | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Safeguarded |
| Mashreq Neo United Arab Emirates · since 2017 | Payment institution | Not insured Safeguarded at custody | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Hybrid |
| Kuda Nigeria · since 2019 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | FCA / PRA | Safeguarded |
| Opay Nigeria · since 2018 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | Safeguarded |
| TymeBank South Africa · since 2018 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Hybrid |
| Wio United Arab Emirates · since 2022 | Credit institution | AED 250,000 Per depositor | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Full DGS |
| stc Bank Saudi Arabia · since 2017 | Credit institution | SAR 200,000 Per depositor | Saudi Deposit Protection Fund (SAMA) SA · DPS | Saudi Arabia | Full DGS |
| Meem Saudi Arabia · since 2014 | Credit institution | SAR 200,000 Per depositor | Saudi Deposit Protection Fund (SAMA) SA · DPS | Saudi Arabia | Full DGS |
| ila Bank Bahrain · since 2019 | Payment institution | Not insured Safeguarded at custody | Bahrain Deposit & URIA Account Compensation Scheme BH · DCS | Bahrain | Hybrid |
| Discovery Bank South Africa · since 2019 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Hybrid |
| Bank Zero South Africa · since 2018 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Hybrid |
| ALAT by Wema Nigeria · since 2017 | Credit institution | NGN 5,000,000 Per depositor | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | Full DGS |
| Ally Bank United States · since 2009 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Discover Bank United States · since 1911 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Marcus by Goldman Sachs United States · since 2016 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Brex United States · since 2017 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Bluevine United States · since 2013 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Ramp New York · since 2019 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | New York | Hybrid |
| Rho New York · since 2018 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | New York | Hybrid |
| Tide London · since 2015 | Payment institution | £85,000 Per depositor | FSCS (UK) UK · FSCS | FCA / PRA | Hybrid |
| Finom Amsterdam · since 2019 | E-money institution | Not insured Safeguarded at custody | De Nederlandsche Bank — DGS NL · DNB-DGS | De Nederlandsche Bank | Safeguarded |
| Aspire Singapore · since 2018 | Payment institution | SGD 100,000 Per depositor | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Hybrid |
| Airwallex Melbourne · since 2015 | Payment institution | SGD 100,000 Per depositor | Singapore Deposit Insurance Corporation SG · SDIC | FCA / PRA | Hybrid |
| Nubank PJ São Paulo · since 2013 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Hybrid |
| Mercado Pago Empresas São Paulo · since 2003 | Payment institution | R$250,000 Per depositor | Fundo Garantidor de Créditos BR · FGC | São Paulo | Hybrid |
| Lili United States · since 2018 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Found United States · since 2019 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Novo United States · since 2018 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybrid |
| Relay Canada · since 2018 | Payment institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Canada | Hybrid |
| Nequi Colombia · since 2016 | Credit institution | COP 50,000,000 Per depositor | Fondo de Garantías de Instituciones Financieras CO · FOGAFIN | Colombia | Full DGS |
| Klar Mexico · since 2019 | Payment institution | Not insured Safeguarded at custody | Instituto para la Protección al Ahorro Bancario MX · IPAB | Mexico | Hybrid |
| Stori Mexico · since 2018 | Payment institution | Not insured Safeguarded at custody | Instituto para la Protección al Ahorro Bancario MX · IPAB | Mexico | Hybrid |
| RappiPay Colombia · since 2020 | Payment institution | Not insured Safeguarded at custody | Fondo de Garantías de Instituciones Financieras CO · FOGAFIN | Colombia | Hybrid |
| Banco PAN Brazil · since 1969 | Credit institution | R$250,000 Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | Full DGS |
| Toss Bank South Korea · since 2021 | Credit institution | ₩50,000,000 Per depositor | Korea Deposit Insurance Corporation KR · KDIC | South Korea | Full DGS |
| Bank Jago Indonesia · since 2021 | Credit institution | IDR 2,000,000,000 Per depositor | Lembaga Penjamin Simpanan ID · LPS | Indonesia | Full DGS |
| WeBank China · since 2014 | Credit institution | CN¥500,000 Per depositor | China Deposit Insurance Scheme (PBoC) CN · DIS | China | Full DGS |
| Trust Bank Singapore · since 2022 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Hybrid |
| Maya Bank Philippines · since 2022 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Hybrid |
| YAP United Arab Emirates · since 2021 | Payment institution | AED 250,000 Per depositor | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Hybrid |
| Zand United Arab Emirates · since 2021 | Credit institution | AED 250,000 Per depositor | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Full DGS |
| Nomo United Kingdom · since 2021 | Payment institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Hybrid |
| Now Money United Arab Emirates · since 2017 | E-money institution | Not insured Safeguarded at custody | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Safeguarded |
| Carbon Nigeria · since 2012 | Payment institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | Hybrid |
| M-Shwari Kenya · since 2012 | Payment institution | Not insured Safeguarded at custody | Kenya Deposit Insurance Corporation KE · KDIC | Kenya | Hybrid |
| Chipper Cash Nigeria · since 2018 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | FCA / PRA | Safeguarded |
| Mukuru South Africa · since 2004 | E-money institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | FCA / PRA | Safeguarded |
| Sony Bank Japan · since 2001 | Credit institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Japan | Full DGS |
| Statrys Hong Kong · since 2018 | Payment institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Hong Kong | Hybrid |
| Memo Bank Paris · since 2017 | E-money institution | Not insured Safeguarded at custody | Fonds de Garantie des Dépôts FR · FGDR | ACPR | Safeguarded |
| Anna London · since 2017 | E-money institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Safeguarded |
| Holvi Helsinki · since 2011 | E-money institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Helsinki | Safeguarded |
| Penta Berlin · since 2017 | Payment institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | BaFin | Hybrid |
| Grasshopper New York · since 2019 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | New York | Hybrid |
| BHub São Paulo · since 2020 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Hybrid |
| AngelList Stack San Francisco · since 2020 | Payment institution | US$250,000 Per depositor | Federal Deposit Insurance Corporation US · FDIC | San Francisco | Hybrid |
| Cora São Paulo · since 2019 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Hybrid |
| Conta Azul Joinville · since 2012 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | Joinville | Hybrid |
| Tiger BBP Singapore · since 2014 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Hybrid |
DGS كامل — ضمان ودائع قانوني بقيمة €100,000
مصون — معزول لدى الحافظ، غير مؤمَّن
عرض 86 من أصل 86
02 — التمييز
"المصون" ليس مرادفاً لـ"المؤمَّن".
أكثر الأخطاء شيوعاً لدى القرّاء: افتراض أنّ تغطية €100,000 تمتدّ إلى كل تطبيق يبدو كأنه بنك. والحقيقة عكس ذلك. إليك الفارق القانوني الفعلي، بلغة واضحة.
DGS كامل — المؤسسات الائتمانية
تحمل المؤسسة الائتمانية ترخيصاً مصرفياً كاملاً. وإذا أفلست، يدفع نظام DGS الوطني ما يصل إلى €100,000 لكل مودِع، عادةً خلال سبعة أيام عمل. وهذا هو التأمين القانوني.
السقف موحَّد عبر الاتحاد الأوروبي بموجب توجيه أنظمة ضمان الودائع (2014/49/EU). فالنظام وطني، لكن القواعد مشتركة.
ضمن مؤشّرنا، تستوفي 26 بنوك هذه الشروط: Revolut, N26, bunq, Trade Republic, Monzo, Lunar, Starling Bank, Varo Money, SoFi, Nubank, Banco Inter, C6 Bank, K Bank, Kakao Bank, Rakuten Bank, Wio, stc Bank, Meem, ALAT by Wema, Nequi, Banco PAN, Toss Bank, Bank Jago, WeBank, Zand, Sony Bank.
الصون — مؤسسات النقود الإلكترونية ومؤسسات الدفع
لا يحقّ لمؤسسة النقود الإلكترونية أو مؤسسة الدفع قبول الودائع. بل عليها "صون" أموال العملاء — عادةً بإيداعها لدى مؤسسة ائتمانية منفصلة، في حساب معزول.
في حال إفلاس مؤسسة النقود الإلكترونية، تُعاد أموال العملاء (مبدئياً) من حساب الصون. غير أنّ هذه العملية قد تستغرق أشهراً، ولا توجد مهلة قانونية للدفع، ولا تأمين إذا تبيّن نقص المبلغ المصون.
ضمن مؤشّرنا، تندرج 41 بنوك تحت نظام الصون: Wise, Vivid Money, Liv., Kuda, Opay, Finom, Now Money, Chipper Cash, Mukuru, Memo Bank, Anna, Holvi, Qonto, Mercado Pago, Ualá, Revolut Singapore, GoTyme, Tonik, Up Bank, Mashreq Neo, TymeBank, ila Bank, Discovery Bank, Bank Zero, Ally Bank, Discover Bank, Marcus by Goldman Sachs, Nubank PJ, Klar, Stori, RappiPay, Trust Bank, Maya Bank, Nomo, Carbon, M-Shwari, Statrys, BHub, Cora, Conta Azul, Tiger BBP.
03 — سجلّ التغييرات اطّلع على المنهجية ←
ما الذي تغيّر هذا الربع.
14 أبريل 2026
مراجعة ترخيص Monzo في الاتحاد الأوروبي. لا يزال طلب الحصول على ترخيص مؤسسة ائتمانية في أيرلندا قيد النظر؛ ويظلّ المستخدمون الحاليون
محميين بموجب نظام FSCS البريطاني، لا نظام DGS الأيرلندي، إلى حين اكتمال ترخيص ECB.
إيضاح 02 أبريل 2026
إعادة تصنيف Vivid Money. انتقل
من نقود إلكترونية صرفة إلى وضع هجين بعد إطلاقه ذراع الوساطة والتداول. السيولة غير مؤمَّنة؛
والأسهم تخضع لنظام تعويض المستثمرين الليتواني (سقف €22,000).
تغيير 21 مارس 2026
وقف تغطية الزيادة لدى bunq. أُنهي
العمل بالتأمين الطوعي على ما يتجاوز €100,000 (عبر Swiss Re) في الربع الأول؛ وتبقى التغطية
القانونية لنظام DNB-DGS الهولندي دون تغيير.
إيضاح 11 March 2026
إعادة تحقُّق شاملة. جرى التحقّق
من جميع المُدخلات الـ86 بمقارنتها بسجلّ EBA وبوّابة الجهة الرقابية الوطنية
المعنية.
مُتحقَّق