{"id":37652,"date":"2026-10-31T02:33:25","date_gmt":"2026-10-31T01:33:25","guid":{"rendered":"https:\/\/www.accountable.eu\/help-center\/is-my-money-safe-with-you-3\/"},"modified":"2026-10-31T02:33:25","modified_gmt":"2026-10-31T01:33:25","slug":"is-my-money-safe-with-you-3","status":"publish","type":"help_center","link":"https:\/\/www.accountable.eu\/en-be\/help-center\/is-my-money-safe-with-you-3\/","title":{"rendered":"Is my money safe with you?"},"content":{"rendered":"<h1 class=\"font-degular\" id=\"h_276f3038e4\">\ud83e\udded Overview<\/h1>\n<p class=\"no-margin font-inter\">Yes, your money is protected when you use Accountable Banking. \ud83d\udcbc<\/p>\n<p class=\"no-margin font-inter\">\u200b<\/p>\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\">\u200b<\/p>\n<p class=\"no-margin font-inter\">This article explains how your funds are protected, what happens in extreme scenarios, and why the French guarantee applies to your account.<\/p>\n<p class=\"no-margin font-inter\">\u200b<\/p>\n<h1 class=\"font-degular\" id=\"h_e7f06baf78\">How is my money protected?<\/h1>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your funds are held in accounts managed by Swan, a <b>regulated financial institution<\/b>.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Accountable <b>cannot invest, lend, or use your money<\/b> in any way.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your balance is <b>kept separate and safeguarded<\/b> in accordance with banking regulations.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">\u200b<\/p>\n<h1 class=\"font-degular\" id=\"h_c626e0c98b\">What happens if Accountable goes bankrupt?<\/h1>\n<p class=\"no-margin font-inter\">If 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. \u2705<\/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 <b>\u20ac100,000 per customer<\/b> via the <a href=\"https:\/\/www.garantiedesdepots.fr\/fr\" target=\"_blank\" class=\"intercom-content-link font-inter\">French Deposit Guarantee Scheme (Fonds de Garantie des D\u00e9p\u00f4ts et de R\u00e9solution, FGDR)<\/a>. \ud83d\udcb0<\/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\">\u200b<\/p>\n<h1 class=\"font-degular\" id=\"h_c4d4373d4b\">Why does the French deposit guarantee apply?<\/h1>\n<p class=\"no-margin font-inter\">Because Swan is a French-licensed banking institution, all eligible deposits are covered by French law.<\/p>\n<p class=\"no-margin font-inter\">\u200b<\/p>\n<p class=\"no-margin font-inter\">This protection is <b>independent of Accountable<\/b> as a company and applies solely based on where and how your money is held.<\/p>\n<p class=\"no-margin font-inter\">\u200b<\/p>\n<h1 class=\"font-degular\" id=\"h_b016b70aa5\">What does this mean for you?<\/h1>\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 <b>\u20ac100,000<\/b>.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">\u2705 Accountable <b>cannot access or use<\/b> 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. \ud83d\udd12<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">\u200b<\/p>\n<h1 class=\"font-degular\" id=\"h_keytakeaways_en\">Key takeaways<\/h1>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your Accountable Banking funds are held by Swan, a regulated French banking partner.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Accountable cannot invest, lend, or access your money in any way.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Your balance is protected up to \u20ac100,000 per customer under the French Deposit Guarantee Scheme (FGDR).<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">This protection is independent of Accountable and applies automatically based on where your money is held.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">Need help? Chat with us or email support@accountable.eu, we&#8217;re happy to help.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yes. Your money is protected with Accountable Banking, held by Swan under the French deposit guarantee scheme.<\/p>\n","protected":false},"featured_media":0,"template":"","help_label":[523,662],"class_list":["post-37652","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is my money safe with you? - 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-safe-with-you-3\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is my money safe with you? - Accountable\" \/>\n<meta property=\"og:description\" content=\"Yes. 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