Deposit Guarantee Scheme Curaçao

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What is the Deposit Guarantee Scheme?

The Deposit Guarantee Scheme (DGS) protects the money you hold in accounts at banks, savings funds and credit unions licensed to operate in Curaçao by the CBCS. Should your institution in Curaçao go bankrupt, you will get your money back up to Cg 50,000 per bank and savings fund or Cg 25,000 per credit union. The protection is per person per institution, not per account.

Why a Deposit Guarantee Scheme?

Protecting people’s money with the DGS Curaçao ensures that you regain access to your guaranteed money, if your bank, savings fund or credit union goes bankrupt. This helps to build trust by assuring you that your money is safe and secure in your bank accounts. This protection strengthens the stability of the financial sector of Curaçao and helps to maintain this in times of uncertainty.

Learn how your money is protected by the DGS Curaçao.

The DGSCuraçao ensures that your money is protected up to the guaranteed amount. Want to learn how it works and how this protection applies to you? Watch the short video to find out more about the DGS Curaçao.

Read the FAQ

If you have more questions, please visit our Frequently Asked Questions section.

Read the legislation

The DGS Curaçao came into effect on July 1, 2025, with the implementation of the Deposit Guarantee Scheme regulation for Curaçao.

Frequently asked questions

The deposit guarantee scheme protects up to Cg 50,000 per person per bank and savings fund, and up to Cg 25,000 per person per credit union. This includes the interest in your account – up to the day of bankruptcy of the bank, savings fund or credit union. This applies to your money in all your accounts combined at the same institution, including the money you hold in a joint account.

The deposit guarantee scheme applies to all types of account holders, both residents and non-residents, such as:

– adults and minors
– individuals and firms
– foundations and other non-profit organizations

The accounts of financial institutions are not protected by the DGS Curaçao.

Banks, savings funds and credit unions that have a license from the CBCS to operate in Curaçao are covered by the DGS. You can check this on the page Which banks, savings funds and credit unions?

If you are in doubt, ask your own bank, savings fund or credit union whether your money is protected by the DGS Curaçao.

See all FAQ’s

Contact information

If you have any further questions or need more information about the protection by the DGS Curaçao, feel free to contact the Information Desk of the CBCS. Call us at +599 (9) 434-5500 on working days from 9:00 to 17:00 or email us at [email protected]. You can contact us in Papiamentu, Dutch, and English.