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Directive 2014/49/EU - Deposit Guarantee Schemes Directive (DGSD)RecitalsArticle 1 Subject matter and scopeArticle 2 DefinitionsArticle 3 Relevant administrative authoritiesArticle 4 Official recognition, membership and supervisionArticle 5 Eligibility of depositsArticle 6 Coverage levelArticle 7 Determination of the repayable amountArticle 7a Burden of proof for deposit eligibility and entitlementArticle 8 RepaymentArticle 8a Repayment of deposits exceeding EUR 10 000Article 8b Coverage of client funds depositsArticle 8c Suspension of repayments in the event of concerns about money laundering or terrorist financingArticle 9 Claims against DGSsArticle 10 Financing of DGSsArticle 11 Use of fundsArticle 11a Preventive measuresArticle 11b Requirements for preventive measuresArticle 11c Remediation planArticle 11d Conditions for alternative measuresArticle 11e Least cost testArticle 12 Borrowing between DGSsArticle 12a Use of the available financial means of IPSs recognised as DGSs under Article 113(7), point (b), of Regulation (EU) No 575/2013Article 13 Calculation of contributions to DGSsArticle 14 Cooperation within the UnionArticle 15 Branches in the Union of credit institutions that are established in third countriesArticle 15a Affiliated credit institutions that have branches in third countriesArticle 16 Depositor informationArticle 16a Information exchange between credit institutions and DGSs, and reporting by authoritiesArticle 17 List of authorised credit institutionsArticle 18 Exercise of the delegationArticle 19 Transitional provisionsArticle 20 TranspositionAnnex I Depositor information templateAnnex IIAnnex II, Part A Repealed Directives together with their successive amendments (referred to in Article 21)Annex II, Part B Deadlines for transposition (referred to in Article 21)Annex III Correlation tableArticle 21 RepealArticle 22 Entry into forceArticle 23 AddresseesDone at
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AI Summary of Article 15 Branches in the Union of credit institutions that are established in third countries

Member States shall require branches of credit institutions that have their head offices outside the Union to join a DGS within their territory before they allow such branches to take eligible deposits in those Member States.

Member States shall ensure that the branches referred to in the first paragraph contribute to the DGS in accordance with Article 13.

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Version status: Amended | Document consolidation status: Updated to reflect all known changes
Version date: 10 May 2026 - onwards
Version 3 of 3

Article 15 Branches in the Union of credit institutions that are established in third countries

Member States shall require branches of credit institutions that have their head offices outside the Union to join a DGS within their territory before they allow such branches to take eligible deposits in those Member States.

Member States shall ensure that the branches referred to in the first paragraph contribute to the DGS in accordance with Article 13.

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