{
  "name": "Worldwide Deposit Insurance Schemes 2026",
  "identifier": "deposit-insurance-schemes-worldwide-2026",
  "description": "Statutory deposit-guarantee schemes across the jurisdictions where the neobanks we track are licensed: ceiling, currency, coverage basis (per depositor / per depositor per bank), administrator, regulator URL, and last verification date. Jurisdictions with no statutory scheme are marked (ceiling_amount = null) rather than implied. Sourced from each scheme's own regulator.",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Neobanks Guide — Stephan Kulik (https://neobanks.guide/about/stephan-kulik/)",
  "source_page": "https://neobanks.guide/deposit-insurance-schemes-worldwide/",
  "schemes_verified_at": "2026-07-10",
  "jurisdictions_total": 28,
  "statutory_schemes_total": 27,
  "rows": [
    {
      "id": "KE.KDIC",
      "region": "africa",
      "jurisdiction": "KE",
      "scheme_short": "KDIC",
      "scheme_full": "Kenya Deposit Insurance Corporation",
      "ceiling_amount": 500000,
      "ceiling_currency": "KES",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.kdic.go.ke/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "NG.NDIC",
      "region": "africa",
      "jurisdiction": "NG",
      "scheme_short": "NDIC",
      "scheme_full": "Nigeria Deposit Insurance Corporation",
      "ceiling_amount": 5000000,
      "ceiling_currency": "NGN",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://ndic.gov.ng/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "ZA.CODI",
      "region": "africa",
      "jurisdiction": "ZA",
      "scheme_short": "CODI",
      "scheme_full": "Corporation for Deposit Insurance",
      "ceiling_amount": 100000,
      "ceiling_currency": "ZAR",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.resbank.co.za/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "AU.FCS",
      "region": "apac",
      "jurisdiction": "AU",
      "scheme_short": "FCS",
      "scheme_full": "Financial Claims Scheme",
      "ceiling_amount": 250000,
      "ceiling_currency": "AUD",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.fcs.gov.au/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "CN.PBoC-DIS",
      "region": "apac",
      "jurisdiction": "CN",
      "scheme_short": "DIS",
      "scheme_full": "China Deposit Insurance Scheme (PBoC)",
      "ceiling_amount": 500000,
      "ceiling_currency": "CNY",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "http://www.pbc.gov.cn/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "ID.LPS",
      "region": "apac",
      "jurisdiction": "ID",
      "scheme_short": "LPS",
      "scheme_full": "Lembaga Penjamin Simpanan",
      "ceiling_amount": 2000000000,
      "ceiling_currency": "IDR",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.lps.go.id/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "JP.DICJ",
      "region": "apac",
      "jurisdiction": "JP",
      "scheme_short": "DICJ",
      "scheme_full": "Deposit Insurance Corporation of Japan",
      "ceiling_amount": 10000000,
      "ceiling_currency": "JPY",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.dic.go.jp/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "KR.KDIC",
      "region": "apac",
      "jurisdiction": "KR",
      "scheme_short": "KDIC",
      "scheme_full": "Korea Deposit Insurance Corporation",
      "ceiling_amount": 100000000,
      "ceiling_currency": "KRW",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.kdic.or.kr/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "PH.PDIC",
      "region": "apac",
      "jurisdiction": "PH",
      "scheme_short": "PDIC",
      "scheme_full": "Philippine Deposit Insurance Corporation",
      "ceiling_amount": 1000000,
      "ceiling_currency": "PHP",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.pdic.gov.ph/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "SG.SDIC",
      "region": "apac",
      "jurisdiction": "SG",
      "scheme_short": "SDIC",
      "scheme_full": "Singapore Deposit Insurance Corporation",
      "ceiling_amount": 100000,
      "ceiling_currency": "SGD",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.sdic.org.sg/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "EU.DGS.BE",
      "region": "europe",
      "jurisdiction": "BE",
      "scheme_short": "GDF",
      "scheme_full": "Fonds de Garantie",
      "ceiling_amount": 100000,
      "ceiling_currency": "EUR",
      "coverage_basis": "depositor",
      "regulator_url": "https://garantiefonds.belgium.be/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "EU.DGS.DE",
      "region": "europe",
      "jurisdiction": "DE",
      "scheme_short": "EdB",
      "scheme_full": "Entschädigungseinrichtung deutscher Banken",
      "ceiling_amount": 100000,
      "ceiling_currency": "EUR",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.edb-banken.de/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "EU.DGS.DK",
      "region": "europe",
      "jurisdiction": "DK",
      "scheme_short": "GF",
      "scheme_full": "Garantiformuen",
      "ceiling_amount": 100000,
      "ceiling_currency": "EUR",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.garantiformuen.dk/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "EU.DGS.ES",
      "region": "europe",
      "jurisdiction": "ES",
      "scheme_short": "FGD",
      "scheme_full": "Fondo de Garantía de Depósitos",
      "ceiling_amount": 100000,
      "ceiling_currency": "EUR",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.fgd.es/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "EU.DGS.FR",
      "region": "europe",
      "jurisdiction": "FR",
      "scheme_short": "FGDR",
      "scheme_full": "Fonds de Garantie des Dépôts",
      "ceiling_amount": 100000,
      "ceiling_currency": "EUR",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.garantiedesdepots.fr/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "GB.FSCS",
      "region": "europe",
      "jurisdiction": "GB",
      "scheme_short": "FSCS",
      "scheme_full": "FSCS (UK)",
      "ceiling_amount": 120000,
      "ceiling_currency": "GBP",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.fscs.org.uk/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "EU.DGS.IE",
      "region": "europe",
      "jurisdiction": "IE",
      "scheme_short": "Irish DGS",
      "scheme_full": "Irish Deposit Guarantee Scheme",
      "ceiling_amount": 100000,
      "ceiling_currency": "EUR",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.depositguarantee.ie/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "EU.DGS.LT",
      "region": "europe",
      "jurisdiction": "LT",
      "scheme_short": "VĮ IID",
      "scheme_full": "VĮ Indėlių ir investicijų draudimas",
      "ceiling_amount": 100000,
      "ceiling_currency": "EUR",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.iidraudimas.lt/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "EU.DGS.NL",
      "region": "europe",
      "jurisdiction": "NL",
      "scheme_short": "DNB-DGS",
      "scheme_full": "De Nederlandsche Bank — DGS",
      "ceiling_amount": 100000,
      "ceiling_currency": "EUR",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.dnb.nl/en/payments/deposit-guarantee-scheme/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "AE.DPS",
      "region": "gcc",
      "jurisdiction": "AE",
      "scheme_short": "No DGS",
      "scheme_full": "No statutory deposit-guarantee scheme",
      "ceiling_amount": null,
      "ceiling_currency": null,
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://rulebook.centralbank.ae/en/rulebook/article-122-deposits-guarantee-scheme",
      "verified_at": "2026-07-10"
    },
    {
      "id": "BH.DCS",
      "region": "gcc",
      "jurisdiction": "BH",
      "scheme_short": "DCS",
      "scheme_full": "Bahrain Deposit & URIA Account Compensation Scheme",
      "ceiling_amount": 20000,
      "ceiling_currency": "BHD",
      "coverage_basis": "depositor",
      "regulator_url": "https://www.cbb.gov.bh/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "SA.SAMA-DPS",
      "region": "gcc",
      "jurisdiction": "SA",
      "scheme_short": "SAMA-DPS",
      "scheme_full": "Saudi Deposit Protection Fund (SAMA)",
      "ceiling_amount": 200000,
      "ceiling_currency": "SAR",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.sama.gov.sa/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "AR.SEDESA",
      "region": "latam",
      "jurisdiction": "AR",
      "scheme_short": "SEDESA",
      "scheme_full": "Seguro de Depósitos Sociedad Anónima",
      "ceiling_amount": 50000000,
      "ceiling_currency": "ARS",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.sedesa.com.ar/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "BR.FGC",
      "region": "latam",
      "jurisdiction": "BR",
      "scheme_short": "FGC",
      "scheme_full": "Fundo Garantidor de Créditos",
      "ceiling_amount": 250000,
      "ceiling_currency": "BRL",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.fgc.org.br/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "CO.FOGAFIN",
      "region": "latam",
      "jurisdiction": "CO",
      "scheme_short": "FOGAFIN",
      "scheme_full": "Fondo de Garantías de Instituciones Financieras",
      "ceiling_amount": 50000000,
      "ceiling_currency": "COP",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.fogafin.gov.co/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "MX.IPAB",
      "region": "latam",
      "jurisdiction": "MX",
      "scheme_short": "IPAB",
      "scheme_full": "Instituto para la Protección al Ahorro Bancario",
      "ceiling_amount": 400000,
      "ceiling_currency": "MXV",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.gob.mx/ipab",
      "verified_at": "2026-07-09"
    },
    {
      "id": "US.FDIC",
      "region": "us",
      "jurisdiction": "US",
      "scheme_short": "FDIC",
      "scheme_full": "Federal Deposit Insurance Corporation",
      "ceiling_amount": 250000,
      "ceiling_currency": "USD",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.fdic.gov/",
      "verified_at": "2026-07-09"
    },
    {
      "id": "US.NCUA",
      "region": "us",
      "jurisdiction": "US",
      "scheme_short": "NCUA",
      "scheme_full": "National Credit Union Administration Share Insurance Fund",
      "ceiling_amount": 250000,
      "ceiling_currency": "USD",
      "coverage_basis": "depositor-per-bank",
      "regulator_url": "https://www.ncua.gov/",
      "verified_at": "2026-07-09"
    }
  ]
}