Name the protection. Prove the path.

Coverage: Eligible deposits at Australian-incorporated banks, building societies and credit unions can be protected when the Australian Government activates the scheme.

Aggregation: Eligible Australian-dollar deposit accounts under one ADI licence aggregate for the same account holder, including different brands using that licence.

Eligibility boundary: Foreign-bank branches, non-AUD accounts, investments and balances held outside an eligible ADI deposit are outside this general statement.

Claim trigger: Australian Government activation following the failure of an eligible authorised deposit-taking institution; APRA administers claims.

Source IDs: SRC-APRA-FCS

Coverage: Specified deposits and bank-issued instruments, including eligible demand and savings deposits, CDBs and RDBs, fall within the ordinary guarantee rules.

Aggregation: Covered products aggregate by depositor identity across an institution or conglomerate; paid guarantees also count toward the four-year overall cap.

Eligibility boundary: Payment-account electronic money, funds, securities and crypto assets do not become covered because the same app offers a covered bank product.

Claim trigger: FGC payment follows an eligible member-institution intervention, liquidation or other scheme event under its rules.

Source IDs: SRC-FGC-BR-GUARANTEE

Coverage: CIPF can return eligible missing property when a CIPF member investment dealer becomes insolvent.

Aggregation: Eligible accounts are grouped into CIPF's general, retirement and RESP account classes rather than receiving a limit for every account screen.

Eligibility boundary: It does not compensate market loss, unsuitable advice or property at a non-member; exact account class and member relationship matter.

Claim trigger: A CIPF member firm becomes insolvent and eligible customer property held by that member is missing.

Source IDs: SRC-PROTECTION-CA-CIPF

Coverage: Eligible deposits at CDIC member institutions are automatically insured within the category and membership rules.

Aggregation: Eligible deposits in the same insured category aggregate at one member; separate statutory categories can receive separate limits.

Eligibility boundary: Stocks, bonds, ETFs, mutual funds and crypto assets are not deposits; a fintech relationship needs evidence linking the balance to a member institution and eligible category.

Claim trigger: Reimbursement or transfer follows the failure of a CDIC member institution under the statutory resolution process.

Source IDs: SRC-CDIC-DEPOSIT-COVERAGE

Coverage: The RPAA safeguarding framework is designed to preserve access to end-user funds if a registered payment service provider becomes insolvent.

Aggregation: The duty follows end-user funds held by an in-scope payment service provider, not a per-customer government insurance category.

Eligibility boundary: Safeguarding is not CDIC insurance; registration, whether the firm holds funds, the safeguarding method and the exact end-user relationship require evidence.

Claim trigger: The protective arrangement is intended to operate on PSP insolvency, according to the trust, account, insurance or guarantee structure used.

Source IDs: SRC-PROTECTION-CA-RPAA-SAFEGUARDING

Coverage: Eligible deposits at in-scope French credit institutions are covered by the statutory deposit guarantee.

Aggregation: Eligible accounts aggregate by depositor across the same credit institution, including brands sharing the same institution.

Eligibility boundary: Institution, depositor, product and branch or home-state scheme must be checked; securities and ordinary investment losses are not deposits.

Claim trigger: ACPR determines that an institution cannot repay covered deposits, which starts the statutory compensation process.

Source IDs: SRC-FGDR-DEPOSIT-PROTECTION

Coverage: The guarantee addresses an institution's inability to return eligible securities or associated cash entrusted to it.

Aggregation: Eligible customer claims aggregate at the failed institution; cash at a bank can instead fall within the deposit-guarantee cap.

Eligibility boundary: It does not compensate a decline in market value; institution type, asset ownership, missing property and home-state rules control.

Claim trigger: ACPR establishes that the institution cannot return eligible financial instruments or associated funds.

Source IDs: SRC-FGDR-DEPOSIT-PROTECTION

Coverage: EdB administers statutory protection for eligible deposits at assigned private banks.

Aggregation: Eligible balances aggregate for the same customer at one legal member bank, not by brand, branch or account.

Eligibility boundary: The assigned scheme, member bank, depositor and eligible deposit must be established; funds, shares and crypto assets are not deposits.

Claim trigger: BaFin determines that a member cannot repay deposits, enabling statutory compensation.

Source IDs: SRC-EDB-DEPOSIT-PROTECTION