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  • Calculation of Compensation
    include any interest due on this date All balances held in the depositor s name including balances held in a joint account or in a beneficiary account will be aggregated and one compensation payment will be issued to the depositor for the total of all their deposits Mortgages Loans As a general rule liabilities such as mortgages and overdrafts are not set off against deposits when calculating DGS compensation The liquidator where entitled to do so may set off arrears Joint Accounts As a general rule joint account balances will be divided equally between each account holder unless another arrangement is in place for the account The amount each account holder receives in respect of a joint account will be aggregated with any other balances held by that account holder The maximum amount of compensation from the DGS will be 100 000 per person Foreign Currency Accounts Compensation payments will be denominated in euro If a depositor holds a foreign currency account the account balance will be converted to euro using the reference exchange rates applicable on the day of appointment of the liquidator Temporary High Balances The maximum amount of compensation payable by the DGS is 100 000 per person per credit institution In addition certain deposits known as temporary high balances may qualify for compensation in excess of 100 000 For a deposit to qualify as a temporary high balance it must stem from at least one of the following deposits resulting from real estate transactions relating to private residential properties deposits that serve social purposes laid down in national law and are linked to particular life events of a depositor such as marriage civil partnership divorce retirement dismissal redundancy invalidity or death deposits that serve purposes laid down in national law and are based on the payment

    Original URL path: http://www.depositguarantee.ie/en/compensation-process/calculation-of-compensation (2016-02-11)
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  • Account Holder Examples | Deposit Guarantee Scheme
    of 60 000 in each account Single account holder with 2 separate accounts with the same institution with a balance of 60 000 in each account Amount of Deposit s 120 000 Maximum Limit 100 000 Amount 100 000 2 joint account holders with a deposit of 150 000 Share of joint account per person 50 50 split 2 joint account holders with a deposit of 150 000 Share of

    Original URL path: http://www.depositguarantee.ie/en/compensation-process/account-holder-examples (2016-02-11)
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  • News | Deposit Guarantee Scheme
    By Admin Posted on 20 Nov 2015 A new EU Directive on Deposit Guarantee Schemes 2014 49 EU has been transposed into Irish law The EU Directive is aimed at harmonisation and simplification of protected deposits a faster pay out and improved financing of DGS schemes In addition new depositor information requirements have been introduced in order to ensure that depositors are aware of the key aspects of protection of

    Original URL path: http://www.depositguarantee.ie/en/news (2016-02-11)
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  • FAQs | Deposit Guarantee Scheme
    the appointment of a provisional liquidator to Berehaven Credit Union As a result the Deposit Guarantee Scheme DGS was activated to protect deposits of eligible Berehaven Credit Union depositors The DGS completed the processing of payments to members of Berehaven Credit Union on 1 August 2014 Payments were issued to over 3 500 members and amounted to approximately 11 million How are the accounts of sole traders treated by the DGS Sole traders with both personal and business accounts at a credit institution which are eligible for DGS compensation will be issued with one payment up to a limit of 100 000 How are the accounts of partnerships treated by the DGS If a depositor has personal accounts with a liquidated credit institution and also holds a business partnership account the DGS will treat the business and personal accounts separately The depositor partner will receive a separate cheque up to the limit of 100 000 for their personal accounts Compensation for the business account will be paid separately to the partnership up to a limit of 100 000 Are pensions retirement funds covered by the DGS The DGS does not protect pension schemes or retirements funds other than Small Self Administered Pension SSAP schemes Non SSAP personal pensions and retirement funds e g Active Retirement Funds ARFs are considered investment products so are not covered by the DGS Are tracker bonds covered by the DGS The deposit element of tracker bonds also known as a structured deposit qualifies for compensation under the DGS up to 100 000 if the holder is eligible and the deposit element of the tracker bond is repayable at par The index linked element of the tracker bond is not protected I have 500 000 in my current account that I believe qualifies as a temporary

    Original URL path: http://www.depositguarantee.ie/en/faqs (2016-02-11)
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  • Contact Us / Deposit Guarantee Scheme
    Us If you have any questions or comments please use the contact form If you would like to contact us directly please use the following details 1890 777 777 info depositguarantee ie Deposit Guarantee Scheme Central Bank of Ireland P O Box 11517 Spencer Dock North Wall Quay Dublin 1 Your Name Required Subject Required Email address Required Invalid Email address Your Query Required Do not enter text Deposit Guarantee

    Original URL path: http://www.depositguarantee.ie/en/contact-us (2016-02-11)
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  • Disclaimer
    prior notice Although every reasonable effort is made to present current and accurate information no guarantees of any kind This Web Site may contain information that is created and maintained by a variety of sources both internal and external In no event shall this site be responsible or liable directly or indirectly for any damage or loss caused or alleged to be caused by or in connection with the use

    Original URL path: http://www.depositguarantee.ie/disclaimer (2016-02-11)
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  • Privacy & Cookies
    which you provide in this way is not made available to any third parties and is used by this site only in line with the purpose for which you provided it Collection and use of non personal information Non personal information data collected for statistical purposes which is not associated with a specific identity This site collects and analyses technical information in order to evaluate our Website The type of technical information we log is confined to the following The IP address 1 of the visitor s Web server The top level domain name used for example ie com org net The pages visited on this Website i e URL s 2 visited The previous Website address from which the visitor reached us including any search terms used Clickstream data which shows the traffic of visitors around this Website for example pages accessed 1 An IP address is an identifier for a computer or device on a Transmission Control Protocol Internet Protocol TCP IP network such as the World Wide Web Networks use the TCP IP protocol to route information based on the IP address of the destination In other words an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web allowing Web servers to locate and identify your computer Computers require IP addresses in order for users to communicate on the Internet browse and shop 2 A URL Uniform Resource Locator is the global address of documents and other resources on the World Wide Web We Use Cookies What is a cookie A cookie is a piece of information in the form of a very small text file that is placed on an internet user s hard drive It is generated by a web page server which is basically the

    Original URL path: http://www.depositguarantee.ie/privacy-policy (2016-02-11)
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  • Site map
    FAQs Contact Us Site map Home About Us What we cover Protected Depositors Protected Deposits Covered Institutions Compensation Process Calculation of Compensation Account Holder Examples News FAQs Contact Us Disclaimer Privacy Cookies Site map Deposit Guarantee Scheme Central Bank of

    Original URL path: http://www.depositguarantee.ie/site-map (2016-02-11)
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