Deposit Protection Fund

Aareal Bank AG is a member of the Deposit Protection Fund of the Association of German Banks (Einlagensicherungsfonds des Bundesverbandes deutscher Banken e.V.). The Deposit Protection Fund protects all liabilities which are required to be shown in the balance sheet item “Liabilities to customers”. Among these are demand, term and savings deposits, including registered savings certificates.

The protection ceiling for each creditor is, until 31 December 2014, 30%, until 31 December 2019, 20%, until 31 December 2024, 15% and, as of 1 January 2025, 8.75% of the liable capital of the Bank relevant for deposit protection. Deposits established or renewed after 31 December 2011 shall be subject to the respective new protection ceilings as of the aforementioned dates, irrespective of the time when the deposits are established. Deposits established before 31 December 2011 shall be subject to the old protection ceilings until maturity or until the next possible withdrawal date.

The applicable protection ceiling as well as further information on the Deposit Protection Fund is available on the Internet at

In addition, you will find further detailed information on the protection of customer deposits under clause 20 of our General Terms and Conditions (pdf).