DGSs must make the repayable amount available as soon as possible and in any event within seven working days of a relevant administrative determination or judicial ruling. Member States may allow up to 20 working days for repayment of deposits exceeding the guaranteed amount (Article 6(2)) and for deposits under Articles 7(3) and 8b when the absolutely entitled person is not identified; the 20‑day period runs from receipt by the DGS of the complete information or documentation requested to verify the claim.

Repayment may be deferred where entitlement is uncertain or the deposit is subject to legal dispute; where the account is dormant (no transaction in the last 24 months) except where the depositor has other non‑dormant deposits with the same institution; or where the host‑state DGS must pay under Article 14(2). Where Union restrictive measures apply, DGSs must suspend repayment and credit institutions must earmark affected deposits for immediate identification. Repayable amounts must be made available without a depositor request and credit institutions must supply requested depositor information. Correspondence shall be in the EU institutions’ language used by the credit institution or the Member State language(s), or in the language chosen by the depositor where the institution operates directly in another Member State. A DGS may set an administrative‑cost threshold for dormant accounts and need not take active steps to repay amounts below it, but must repay if so requested by the depositor.