Member States must ensure deposit guarantee schemes (DGSs) cover depositors at branches of affiliated credit institutions in other Member States and depositors using cross‑border services. Repayment is normally effected by the host Member State DGS on behalf of the home DGS, in accordance with the home DGS’s instructions; the host DGS is not liable for actions taken pursuant to those instructions, will inform depositors and receive correspondence on the home DGS’s behalf, and will be compensated and funded by the home DGS prior to payout. The home DGS may instead repay directly where administrative burden and cost are lower, depositors are no worse off and payment is in the same currency.

DGSs must conclude written cooperation agreements covering payout terms, costs, contact points, timelines and payment methods, and exchange prescribed information on numbers and amounts of covered deposits. Where a credit institution transfers DGS membership, the originating DGS transfers contributions for the preceding 12 months pro rata (excluding extraordinary contributions) and must do so within one month on request; the institution must give six months’ notice and continue contributing. Designated authorities must notify the EBA; EBA may be asked to issue opinions or resolve disputes, will cooperate with the ESRB on systemic risk, and must issue guidelines by 11 May 2028 on home and host DGS roles and circumstances for direct home reimbursement.