Member States must ensure deposit guarantee schemes (DGSs) determine potential liabilities and raise proportionate available financial means by at least annual member contributions. By 3 July 2024 a DGS’s available financial means must reach 0.8% of covered deposits (reference period from the preceding 31 December), counting only funds directly contributed by or recovered from members (net of fees), including investment income and recoveries, but excluding unclaimed repayments and DGS debt liabilities; an outstanding loan claim under Article 12 or Article 12a counts exclusively towards that target. Payment commitments payable within two working days may form up to 30% of available means (EBA to issue admissibility guidelines). Where financing falls short, contributions resume; after first achievement, reductions to under two‑thirds of the target require rebuilding within six years, reductions under one third require rebuilding within two years (extendable by one year); procyclical effects must be considered and Member States may extend the initial period by up to four years if cumulative disbursements exceed 0.8%.

DGS investment strategies must follow diversification and low‑risk principles; derivatives only for risk management. Placement with a national central bank or treasury must be accounted separately and be readily available. Contributions to resolution financing arrangements do not count towards the target. Members must pay extraordinary ex‑post contributions up to 0.5% of covered deposits per year (higher only in exceptional circumstances with competent authority consent); payment may be deferred up to six months if payment would jeopardise a credit institution’s liquidity or solvency. DGSs must have alternative short‑term funding; public financing is a last resort in the form of loans or guarantees and must be repaid, with agreed interest and fees, within six years (one three‑year extension in extraordinary circumstances). DGSs may use non‑public alternative funding before available means or extraordinary contributions. EBA must develop draft regulatory technical standards by 11 May 2028 on available financial means calculation and recovery processes, and guidelines by the same date on diversification and low‑risk investments.