Field guide 01 · 15 October 2026
Two bank names.
EUR 50,000 above the limit.
EUR 80,000 at ASN Bank plus EUR 70,000 at legacy SNS is still money at one bank. The ordinary guarantee follows the person and the banking licence.
€50,000 sits above the ordinary limit. Two account labels do not create two guarantees.
Fictional amounts, real licence relationships. The switch changes the example only. Edit your own scenario below.
Count the owners. Then count the banks.
Build a cash-deposit scenario. Joint shares are added to each person's other money at the same bank. All calculations stay in this page.
Amounts are EUR. Include earned interest not yet credited. Joint accounts default to equal shares; change A's share only if the actual entitlement differs. Person A and Person B are placeholders, not names to enter.
Would moving it actually help?
Move part of one account to another listed brand in the model. Ownership stays the same. The preview checks both the source and destination limits.
This models an immediate transfer of eligible cash, including any entered accrued interest. It does not move real money or assess account availability, withdrawal restrictions, tax or rates.
A name is not a licence.
Selected Dutch deposit-taking banks, checked 15 October 2026. Each block below is one separate ordinary limit per depositor. This is a small verified directory, not the complete register.
ASN's former SNS and RegioBank brands are included to recognise older account labels. Confirm the legal bank on your own deposit information sheet. Brand names alone do not establish whether a specific product is an eligible deposit.
One last test: whose limit is full?
Person A has €90,000 alone. A and B also share €100,000 equally at the same bank. How much of the combined €190,000 is above ordinary cover?
Choose an answer, then load the joint-account example to inspect it.
How the calculation works
Account amounts → ownership shares → legal bank → €100,000 cap
For each person and bank: add balances plus accrued interest, apply that person's ownership shares, then take the smaller of that sum and €100,000. Add the results across people and banks. Joint money does not create a third pot of protection. Calculations use cents; displayed summary amounts round to the nearest euro.
Scope and exceptions
This educational model covers ordinary eligible personal cash deposits at the selected Dutch banks. It is not a determination of compensation or personal advice. It excludes investments, crypto, business structures and special mortgage-linked savings. Certain temporary high balances can qualify for up to €500,000 of additional cover for six months, subject to DNB's conditions and evidence. Those exceptions are not calculated here. Check the official information before making a decision.
Sources and verification
DNB: deposit guarantee FAQ
Limits, aggregation, accrued interest and temporary high balances.
DNB: Dutch deposit guarantee register
Check the legal bank and its trade names.
ASN Bank: deposit protection
ASN, SNS, RegioBank and BLG Wonen share one licence.
ABN AMRO: guarantee information
ABN AMRO and MeesPierson share one licence.
Rabobank: deposit protection
Joint shares; Rabobank and Rabo Groen Bank have separate licences.