Dexia Kommunalbank Deutschland is a member of the Association of German Banks (Bundesverband Deutscher Banken, "BDB") and hence contributes to its Deposit Protection Fund. The BDB represents more than 220 private banks and twelve member associations.

The BDB's Deposit Protection Fund guarantees in full customer deposits with private banks for up to a defined protection ceiling (see here under). This protection is extended to all "non-bank deposits", i.e., deposits made by private customers, commercial enterprises and public institutions. Demand, term and savings deposits and registered savings certificates are generally protected. By contrast, no protection is afforded to bank-securitized liabilities, such as bearer bonds and bearer certificates of deposit.

The afore mentioned protection ceiling per customer amounts to 30% until December 31st 2014, 20% until December 31st 2019, 15% until December 31st 2024 and 8.75% from January 1st 2025 on. For deposits made or prolonged after December 31th 2011, the afore mentioned protection ceiling is valid. For deposits made before December 31th 2011, the previous deposit protection rules are applied until the next cancellation or maturity date.

Go to the BDB homepage to learn more about the Association of German Banks, the deposit protection scheme and the amounts protected at specific banks.