The EBA publishes a roadmap on the delivery of its mandates under the revised Deposit Guarantee Schemes Directive

The European Banking Authority (EBA) today published a roadmap outlining how it will deliver its mandates under the revised Deposit Guarantee Schemes Directive (DGSD3). The roadmap sets out the EBA’s role in implementing DGSD3 by developing a set of regulatory products to strengthen depositor protection across the EU. It also presents the timeline for these deliverables, which will ensure depositors are better informed about their rights, better protected, and that deposit guarantee schemes are prepared to act when needed.

More broadly, the roadmap outlines the EBA’s contribution to strengthening the EU bank crisis management framework by enhancing depositor protection, supporting financial stability, and further harmonising protection standards across the EU. It provides stakeholders with clarity on the sequencing of the EBA’s work ahead of the Directive’s application in May 2028.

The revised DGSD3, published on 20 April 2026, introduces over 100 operational improvements, many based on five Opinions issued by the EBA to the European Commission between 2019 and 2021.

To support its implementation, the EBA will develop 12 regulatory products, to be delivered in three batches over the next three years.

These technical standards and guidelines will bring tangible benefits to EU citizens by:

• improving how depositors are informed about their rights and protection;
• ensuring faster repayment in both domestic and cross-border bank failures;
• strengthening cooperation between national deposit guarantee schemes and relevant authorities; and
• enhancing stress-testing frameworks to ensure preparedness for crisis situations.

Together, these measures will help ensure that bank failures can be managed effectively without jeopardising financial stability or causing contagion to the financial system.

Notes for editors

1. The roadmap follows the publication of the Crisis Management and Deposit Insurance (CMDI) package in the Official Journal (OJ) of the European Union.
2. The revised DGSD3 builds on the following five Opinions issued by the EBA to the European Commission:
   1. EBA Opinion on the eligibility of deposits, coverage level and cooperation between deposit guarantee schemes,
   2. EBA Opinion on deposit guarantee scheme payouts,
   3. EBA Opinion on deposit guarantee scheme funding and uses of deposit guarantee scheme funds,
   4. EBA Opinion on the interplay between the EU Anti-Money Laundering Directive and the EU Deposit Guarantee Schemes Directive, and
   5. EBA Opinion on the treatment of client funds under Deposit Guarantee Schemes Directive.