FAQ > Security and risk

What risks are involved in term deposits?


Investing in a term deposit involves limited risk to you, the customer. As is common for other deposit products, term deposits are secured against the folding of a credit institution by national deposit guarantee schemes.

If the term deposit exceeds the maximum amount covered by the deposit guarantee scheme, the amount exceeding the deposit guarantee scheme is subject to an insolvency risk if the bank goes bankrupt.

There is no business risk because the payment of interest is not tied to any business growth as is the case for shares.

Political risks, such as the restriction of free movement of capital, are limited within the particular country.

Further risks may arise due to different legal and tax systems, as well as when dealing in a different language.


Will my investment be at risk from currency fluctuations?

Definitely not. Our mission is to become an oasis for anyone who wants to receive predictable returns without unpredictable risk

What is a national deposit guarantee scheme?

Deposit insurance is a measure implemented in many countries to protect bank depositors from losses caused by a bank's inability to pay its debts when due.

Are all the banks secure?

We work with banks thich have a long history on the local market, employ a significant number of people, have a strong capital base and stable future prospects.

What happens if a bank folds?

Learn how we try to avoid such events and how we help you if they do happen.

What happens if Deposit Planet folds?

You are the legal owner of money invested in your term deposits, therefore in an unlike event Deposit Planet folding your money will be fully protected by banks keeping your deposits.

What does the credit rating mean?

Learn how the information about credit rating can help you to decide where to securely placed your money.