Everyday

Deposit-guarantee aggregation planner

Group ordinary eligible shares by depositor and licensed institution.

For tax year 2026
Rules last checked 27 October 2026
Takes about 2 minutes

How this works

Enter one row for each holder’s share. Repeat a joint account’s full balance for each entered holder, with their actual share. Use pseudonyms such as A, Account 1 and Institution 1; never enter names, IBANs or account numbers. Only entered shares are assessed.

Methodology and disclaimer

Worked example

A holder’s 50% of €150,000 plus a personal €40,000 at the same institution totals €115,000. The ordinary limit covers €100,000 before any exceptional adjustments.

Assumptions

Indicative result. Source rules await human verification; confirm exceptional cases with the responsible professional or authority.

Limits

No. Confirm the licensed institution and scheme using its deposit information sheet. Other countries’ schemes, investments, e-money and temporary high balances need separate checks.

Edge cases

Enter one row for each holder’s share. Repeat a joint account’s full balance for each entered holder, with their actual share. Use pseudonyms such as A, Account 1 and Institution 1; never enter names, IBANs or account numbers. Only entered shares are assessed.

Sources

Questions and answers

Does an IBAN or bank brand establish TEKE coverage?

No. Confirm the licensed institution and scheme using its deposit information sheet. Other countries’ schemes, investments, e-money and temporary high balances need separate checks.

All tools

01Legal product guarantee checkerEverydayEstimate the legal-guarantee period and consumer remedies for new or second-hand goods.Rules & sources 02Online purchase withdrawal deadlineEverydayCalculate the 14-day withdrawal and refund deadlines for a distance purchase.Rules & sources 03Military service: estimated discharge dateEverydayEstimate when main military service is completed from your enlistment date and service term.Rules & sources

Everyday

Deposit-guarantee aggregation planner

Group ordinary eligible shares by depositor and licensed institution.

For tax year 2026
Rules last checked 27 October 2026
Takes about 2 minutes

Your records and assumptions

TEKE membership, eligible depositor and exact licensed institutions confirmed?

Temporary high balances, overdue debts/set-off, restrictions or other special cases?

Account-holder share

Number of rows

Account-holder share 1

Licensed institution alias

Use the same alias for every account at the same licensed institution. Never rely on brand names alone.

Account alias

Depositor alias

Full account balance including interest (€)

This depositor’s ownership share (%)

Product type

Your answers stay on this device. We do not store or send them. They go into the link only when you press Share.

Your result and evidence

–

How this works

Methodology and disclaimer

Worked example

A holder’s 50% of €150,000 plus a personal €40,000 at the same institution totals €115,000. The ordinary limit covers €100,000 before any exceptional adjustments.

Assumptions

Indicative result. Source rules await human verification; confirm exceptional cases with the responsible professional or authority.

Limits

No. Confirm the licensed institution and scheme using its deposit information sheet. Other countries’ schemes, investments, e-money and temporary high balances need separate checks.

Edge cases

Enter one row for each holder’s share. Repeat a joint account’s full balance for each entered holder, with their actual share. Use pseudonyms such as A, Account 1 and Institution 1; never enter names, IBANs or account numbers. Only entered shares are assessed.

Sources

Questions and answers

Does an IBAN or bank brand establish TEKE coverage?

No. Confirm the licensed institution and scheme using its deposit information sheet. Other countries’ schemes, investments, e-money and temporary high balances need separate checks.

All tools

How this works

Worked example

Assumptions

Limits

Edge cases

Sources

Questions and answers

Related tools

Your records and assumptions

Account-holder share

How this works

Worked example

Assumptions

Limits

Edge cases

Sources

Questions and answers

Related tools

Your records and assumptions

Account-holder share