Application for supplementary coverage (topping-up)

Banks and institutions may apply for supplemental deposit insurance or investor compensation because coverage can vary by country. This is referred to as topping up.

Foreign institutions in Sweden

Branches of foreign banks or institutions within or outside the EEA can, in certain cases, apply to belong to the Swedish deposit insurance or investor compensation schemes, with their own country’s deposit insurance or investor compensation scheme as a base.

A supplement to deposit insurance or investor compensation accounts for the difference between the coverage under the home country’s schemes and coverage under the Swedish schemes.

The deposit insurance scheme covers up to SEK 1,050,000 per depositor per institution, and investor compensation provides a maximum of SEK 250,000 per investor per institution.


The application for topping up should be made to the Debt Office. For more detailed information, please contact us.

Contact the Debt Office

Swedish institutions abroad

Branches of Swedish institutions abroad can apply for topping up if the coverage under the Swedish deposit insurance or investor compensation schemes is lower than in that country. The application shall then be made to the organisation responsible for the schemes in the country concerned.

If the deposit insurance in another EEA country has more extensive compensation or provides higher compensation for temporary high balances under Article 6 (2) of the Deposit Guarantee Schemes Directive (94/19/EC) – and the branch country’s scheme does not permit supplementary coverage – branches of Swedish institutions may apply for topping up from the Debt Office.