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Protective measures

Protective measures are in place to protect the money you have entrusted to a bank. Such measures are also referred to as 'guarantee schemes'.

There are three kinds of schemes:

  1. Deposit guarantee scheme
    This scheme is intended to protect the money on your current account and your savings account.

  2. Investor compensation scheme
    This scheme is intended to protect your investments.

  3. Asset separation
    This concerns the separation of your money and the money belonging to the firm that invests on your behalf. The rules for asset separation ensure that, in the event that an investment firm goes bankrupt, your money is kept separate from the bankrupt's assets.

The Dutch Central Bank (De Nederlandsche Bank) (DNB) is responsible for implementing the protective measures. The AFM checks whether investment firms observe the rules for asset separation.