Recherche / Garantie des dépôts / Deposit protection Dernière vérification 11 mars 2026
Protection de 100 000 €,
banque par banque.
Quelles néobanques européennes que nous suivons disposent réellement d'une garantie des dépôts — et lesquelles ne font que "safeguarder" votre argent. Une seule page, toujours à jour.
DGS complet · plafond 100 k€
26/86
Sur les 86 néobanques que nous suivons, 26 sont des établissements de crédit avec une couverture DGS nationale complète.
Safeguarding seul
41/86
Institutions de monnaie électronique et de paiement. L'argent est cloisonné chez une banque dépositaire, mais pas assuré.
Plafond légal maximal
€100k
Par déposant, par établissement de crédit agréé. Harmonisé dans l'UE sous la DGSD.
Juridictions couvertes
36
Allemagne, Lituanie, Pays-Bas, Danemark, France, Irlande, Belgique et Royaume-Uni — chacune avec son propre schéma.
01
01 — Le tracker
Les 86, dans un seul tableau. Classe de licence, régulateur, nom du schéma et le plafond réel en euros que vous recevriez en cas de défaillance. Filtrer par statut.
| Banque | Licence | Plafond | Schéma | Régulateur | Statut |
|---|---|---|---|---|---|
| Revolut United Kingdom · 2015 | Credit institution | 100 000 € Per depositor | VĮ Indėlių ir investicijų draudimas LT · DGS | Bank of Lithuania | DGS complet |
| N26 Germany · 2013 | Credit institution | 100 000 € Per depositor | Entschädigungseinrichtung deutscher Banken DE · EdB | BaFin | DGS complet |
| bunq Netherlands · 2012 | Credit institution | 100 000 € Per depositor | De Nederlandsche Bank — DGS NL · DNB-DGS | De Nederlandsche Bank | DGS complet |
| Wise United Kingdom · 2011 | E-money institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Safeguarding |
| Vivid Money Germany · 2019 | E-money institution | Not insured Safeguarded at custody | Entschädigungseinrichtung deutscher Banken DE · EdB | Germany | Safeguarding |
| Qonto France · 2017 | Payment institution | Not insured Safeguarded at custody | Fonds de Garantie des Dépôts FR · FGDR | France | Hybride |
| Trade Republic Germany · 2015 | Credit institution | 100 000 € Per depositor | Entschädigungseinrichtung deutscher Banken DE · EdB | BaFin · Bundesbank | DGS complet |
| Monzo United Kingdom · 2015 | Credit institution | 100 000 € Per depositor | Irish Deposit Guarantee Scheme IE · DGS | FCA / PRA | DGS complet |
| Lunar Denmark · 2015 | Credit institution | 100 000 € Per depositor | Garantiformuen DK · GF | Finanstilsynet | DGS complet |
| Starling Bank United Kingdom · 2014 | Credit institution | 85 000 £GB Per depositor | FSCS (UK) UK · FSCS | FCA / PRA | DGS complet |
| Chime United States · 2013 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Varo Money United States · 2015 | Credit institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | DGS complet |
| SoFi United States · 2011 | Credit institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | DGS complet |
| Cash App United States · 2013 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Mercury United States · 2017 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Nubank Brazil · 2013 | Credit institution | 250 000 R$ Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | DGS complet |
| Mercado Pago Argentina · 2003 | Payment institution | Not insured Safeguarded at custody | Seguro de Depósitos Sociedad Anónima AR · SEDESA | Argentina | Hybride |
| Banco Inter Brazil · 1994 | Credit institution | 250 000 R$ Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | DGS complet |
| C6 Bank Brazil · 2018 | Credit institution | 250 000 R$ Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | DGS complet |
| Ualá Argentina · 2017 | Payment institution | Not insured Safeguarded at custody | Seguro de Depósitos Sociedad Anónima AR · SEDESA | Argentina | Hybride |
| Revolut Singapore Singapore · 2019 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Hybride |
| GoTyme Philippines · 2022 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Hybride |
| Tonik Philippines · 2020 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Hybride |
| K Bank Korea · 2017 | Credit institution | 50 000 000 ₩ Per depositor | Korea Deposit Insurance Corporation KR · KDIC | Korea | DGS complet |
| Kakao Bank Korea · 2017 | Credit institution | 50 000 000 ₩ Per depositor | Korea Deposit Insurance Corporation KR · KDIC | Korea | DGS complet |
| Rakuten Bank Japan · 2001 | Credit institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Japan | DGS complet |
| Up Bank Australia · 2018 | Payment institution | Not insured Safeguarded at custody | Financial Claims Scheme AU · FCS | Australia | Hybride |
| Liv. United Arab Emirates · 2017 | E-money institution | Not insured Safeguarded at custody | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Safeguarding |
| Mashreq Neo United Arab Emirates · 2017 | Payment institution | Not insured Safeguarded at custody | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Hybride |
| Kuda Nigeria · 2019 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | FCA / PRA | Safeguarding |
| Opay Nigeria · 2018 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | Safeguarding |
| TymeBank South Africa · 2018 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Hybride |
| Wio United Arab Emirates · 2022 | Credit institution | 250 000 AED Per depositor | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | DGS complet |
| stc Bank Saudi Arabia · 2017 | Credit institution | 200 000 SAR Per depositor | Saudi Deposit Protection Fund (SAMA) SA · DPS | Saudi Arabia | DGS complet |
| Meem Saudi Arabia · 2014 | Credit institution | 200 000 SAR Per depositor | Saudi Deposit Protection Fund (SAMA) SA · DPS | Saudi Arabia | DGS complet |
| ila Bank Bahrain · 2019 | Payment institution | Not insured Safeguarded at custody | Bahrain Deposit & URIA Account Compensation Scheme BH · DCS | Bahrain | Hybride |
| Discovery Bank South Africa · 2019 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Hybride |
| Bank Zero South Africa · 2018 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Hybride |
| ALAT by Wema Nigeria · 2017 | Credit institution | 5 000 000 NGN Per depositor | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | DGS complet |
| Ally Bank United States · 2009 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Discover Bank United States · 1911 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Marcus by Goldman Sachs United States · 2016 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Brex United States · 2017 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Bluevine United States · 2013 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Ramp New York · 2019 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | New York | Hybride |
| Rho New York · 2018 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | New York | Hybride |
| Tide London · 2015 | Payment institution | 85 000 £GB Per depositor | FSCS (UK) UK · FSCS | FCA / PRA | Hybride |
| Finom Amsterdam · 2019 | E-money institution | Not insured Safeguarded at custody | De Nederlandsche Bank — DGS NL · DNB-DGS | De Nederlandsche Bank | Safeguarding |
| Aspire Singapore · 2018 | Payment institution | 100 000 $SG Per depositor | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Hybride |
| Airwallex Melbourne · 2015 | Payment institution | 100 000 $SG Per depositor | Singapore Deposit Insurance Corporation SG · SDIC | FCA / PRA | Hybride |
| Nubank PJ São Paulo · 2013 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Hybride |
| Mercado Pago Empresas São Paulo · 2003 | Payment institution | 250 000 R$ Per depositor | Fundo Garantidor de Créditos BR · FGC | São Paulo | Hybride |
| Lili United States · 2018 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Found United States · 2019 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Novo United States · 2018 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Hybride |
| Relay Canada · 2018 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | Canada | Hybride |
| Nequi Colombia · 2016 | Credit institution | 50 000 000 $CO Per depositor | Fondo de Garantías de Instituciones Financieras CO · FOGAFIN | Colombia | DGS complet |
| Klar Mexico · 2019 | Payment institution | Not insured Safeguarded at custody | Instituto para la Protección al Ahorro Bancario MX · IPAB | Mexico | Hybride |
| Stori Mexico · 2018 | Payment institution | Not insured Safeguarded at custody | Instituto para la Protección al Ahorro Bancario MX · IPAB | Mexico | Hybride |
| RappiPay Colombia · 2020 | Payment institution | Not insured Safeguarded at custody | Fondo de Garantías de Instituciones Financieras CO · FOGAFIN | Colombia | Hybride |
| Banco PAN Brazil · 1969 | Credit institution | 250 000 R$ Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | DGS complet |
| Toss Bank South Korea · 2021 | Credit institution | 50 000 000 ₩ Per depositor | Korea Deposit Insurance Corporation KR · KDIC | South Korea | DGS complet |
| Bank Jago Indonesia · 2021 | Credit institution | 2 000 000 000 IDR Per depositor | Lembaga Penjamin Simpanan ID · LPS | Indonesia | DGS complet |
| WeBank China · 2014 | Credit institution | 500 000 CNY Per depositor | China Deposit Insurance Scheme (PBoC) CN · DIS | China | DGS complet |
| Trust Bank Singapore · 2022 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Hybride |
| Maya Bank Philippines · 2022 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Hybride |
| YAP United Arab Emirates · 2021 | Payment institution | 250 000 AED Per depositor | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Hybride |
| Zand United Arab Emirates · 2021 | Credit institution | 250 000 AED Per depositor | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | DGS complet |
| Nomo United Kingdom · 2021 | Payment institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Hybride |
| Now Money United Arab Emirates · 2017 | E-money institution | Not insured Safeguarded at custody | UAE Deposit Protection Scheme AE · DPS | United Arab Emirates | Safeguarding |
| Carbon Nigeria · 2012 | Payment institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | Hybride |
| M-Shwari Kenya · 2012 | Payment institution | Not insured Safeguarded at custody | Kenya Deposit Insurance Corporation KE · KDIC | Kenya | Hybride |
| Chipper Cash Nigeria · 2018 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | FCA / PRA | Safeguarding |
| Mukuru South Africa · 2004 | E-money institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | FCA / PRA | Safeguarding |
| Sony Bank Japan · 2001 | Credit institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Japan | DGS complet |
| Statrys Hong Kong · 2018 | Payment institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Hong Kong | Hybride |
| Memo Bank Paris · 2017 | E-money institution | Not insured Safeguarded at custody | Fonds de Garantie des Dépôts FR · FGDR | ACPR | Safeguarding |
| Anna London · 2017 | E-money institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Safeguarding |
| Holvi Helsinki · 2011 | E-money institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Helsinki | Safeguarding |
| Penta Berlin · 2017 | Payment institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | BaFin | Hybride |
| Grasshopper New York · 2019 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | New York | Hybride |
| BHub São Paulo · 2020 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Hybride |
| AngelList Stack San Francisco · 2020 | Payment institution | 250 000 $US Per depositor | Federal Deposit Insurance Corporation US · FDIC | San Francisco | Hybride |
| Cora São Paulo · 2019 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Hybride |
| Conta Azul Joinville · 2012 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | Joinville | Hybride |
| Tiger BBP Singapore · 2014 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Hybride |
DGS complet — garantie légale de dépôts de 100 000 €
Safeguarding — cloisonné chez dépositaire, non assuré
86 / 86
02
02 — La distinction
"Safeguarded" n'est pas synonyme d'assuré. L'erreur la plus courante des lecteurs : supposer que la couverture de 100 000 € s'étend à toute application qui ressemble à une banque. Ce n'est pas le cas.
DGS complet — établissements de crédit
DGS complet · plafond 100 k€
Sur les 86 néobanques que nous suivons, 26 sont des établissements de crédit avec une couverture DGS nationale complète.
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
Safeguarding — institutions de monnaie électronique et de paiement
Safeguarding seul
Institutions de monnaie électronique et de paiement. L'argent est cloisonné chez une banque dépositaire, mais pas assuré.
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