{"id":30851,"date":"2026-08-20T12:43:58","date_gmt":"2026-08-20T10:43:58","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/is-my-money-guaranteed-with-accountable-banking\/"},"modified":"2026-08-24T17:27:40","modified_gmt":"2026-08-24T15:27:40","slug":"is-my-money-guaranteed-with-accountable-banking","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/en-be\/help-center\/is-my-money-guaranteed-with-accountable-banking\/","title":{"rendered":"Is my money guaranteed with Accountable Banking?"},"content":{"rendered":"<h2 class=\"font-degular\" id=\"h_e84f7d4bd5\">\ud83e\udded Overview<\/h2>\n<p class=\"no-margin font-inter\">Yes, your money is protected when you use Accountable Banking.<\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">All funds in your Accountable Banking account are held with Swan, a licensed and regulated banking partner based in France. This means your money benefits from the French deposit guarantee scheme.<\/p>\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_5a1a1107a0\">How is my money protected?<\/h2>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your funds are held in accounts provided by Swan, a regulated financial institution.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Accountable does not and cannot invest, lend, or use your money in any way.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your balance is kept separate and safeguarded in accordance with banking regulations.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_6246a6cf9e\">What happens if Accountable goes bankrupt?<\/h2>\n<p class=\"no-margin font-inter\">In the unlikely event that Accountable were to go bankrupt:<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your money would remain safe and untouched.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">All Accountable Banking accounts powered by Swan would continue to exist.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your funds would be protected up to \u20ac100,000 per customer under the French Deposit Guarantee Scheme (Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution \u2013 FGDR).<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">This protection applies exactly as it does with traditional banks.<\/p>\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_ee86df5797\">Why does the French deposit guarantee apply?<\/h2>\n<p class=\"no-margin font-inter\">Because Swan is a French-licensed banking institution, all eligible deposits are covered by French law.<br \/>This is independent of Accountable as a company and applies solely based on where and how your money is held.<\/p>\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_dd17b24682\">What does this mean for you?<\/h2>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">\u2705 Your money is stored with a regulated banking partner<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">\u2705 Your funds are legally protected up to \u20ac100,000<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">\u2705 Accountable cannot access or use your money<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">\u2705 Even in extreme scenarios, your balance remains safe<\/p>\n<\/li>\n<\/ul>\n<h2 class=\"font-degular\" id=\"h_7dc6fecf83\">Still have questions?<\/h2>\n<p class=\"no-margin font-inter\">If you\u2019d like to learn more about how Accountable Banking works or how your funds are protected, feel free to reach out!  we\u2019re happy to help.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ud83e\udded Overview Yes, your money is protected when you use Accountable Banking. All funds in your Accountable Banking account are held with Swan, a licensed and regulated banking partner based in France. This means your money benefits from the French deposit guarantee scheme. How is my money protected? Your funds are held in accounts provided [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","help_label":[523,541],"class_list":["post-30851","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is my money guaranteed with Accountable Banking? - Accountable<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accountable.eu\/en-be\/help-center\/is-my-money-guaranteed-with-accountable-banking\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is my money guaranteed with Accountable Banking? - Accountable\" \/>\n<meta property=\"og:description\" content=\"\ud83e\udded Overview Yes, your money is protected when you use Accountable Banking. 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