esisuisse

What esisuisse does

esisuisse is a Basel-based private association (Verein) founded in August 2005 that operates Switzerland's statutory deposit insurance scheme. Under the Swiss Banking Act, all banks and securities firms with a Swiss branch are required to be members; esisuisse had 251 members as of 31 December 2025, covering approximately CHF 506.3 billion in protected deposits. In the event of a member bank's bankruptcy, esisuisse guarantees protected deposits up to CHF 100,000 per customer and per bank, with a legal deadline of seven working days to transfer funds to the FINMA-appointed bankruptcy liquidator (tightened from 20 days under the 2023 Banking Act revision).

The organization's technology infrastructure is administrative rather than product-oriented: it maintains standardized depositor records, processes member reporting, and in 2025 published a formal technical specification for the depositor list format used by bankruptcy liquidators. Operational delivery relies on coordination with FINMA (under a formal MoU), member banks, and external auditors (Ernst & Young AG), rather than proprietary software or a customer-facing platform.

esisuisse is funded through mandatory contributions from member institutions, calibrated to 1.6% of total protected deposits (CHF 7.9 billion coverage capacity), with banks additionally required to hold liquid Swiss assets equal to 125% of their secured and privileged deposits. As a non-profit SRO with approximately 6 full-time staff, esisuisse does not pursue commercial revenue; its operating model is a statutory public guarantee mechanism governed by its Board of Directors and member assembly, and it actively participates in international deposit insurance standard-setting through IADI and EFDI.

Name

esisuisse

Legal name

esisuisse

Website

https://esisuisse.ch

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1–10 employees

Short description

esisuisse is a Basel-based private association that operates Switzerland's statutory deposit insurance scheme, covering protected bank deposits up to CHF 100,000 per customer across all 251 member banks and securities firms in the event of insolvency.

Ownership category

akta.pro rank

Product category

Deposit Insurance

NAICS

Trusts, Estates, and Agency Accounts (525920), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Finance Services (6199)

akta.pro primary industry

Escrow, Trustee & Agency Services (Custody-Adjacent) (FSAFAHAG)

Keywords

• Deposit insurance scheme
• Statutory bank protection
• Depositor protection framework
• Bank self-regulation
• Bankruptcy payout coordination

Headquarters

HQ city

Basel

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Mandatory member contributions: esisuisse is funded through mandatory contributions from member banks. Banks are required to hold assets equal to 1.6% of all protected deposits in Switzerland, with a total coverage capacity of approximately CHF 7.9 billion.
2. Bank guarantee deposits: Each bank must hold liquid assets in Switzerland equal to 125% of their secured and privileged deposits as substantive protection. Banks must pre-deposit 50% of their contribution obligations in securities or cash with a third-party custodian.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

esisuisse manages Switzerland's statutory deposit insurance scheme, protecting customer deposits up to CHF 100,000 per client and per bank in the event of a bank bankruptcy. As a private association (Verein) and self-regulatory organization, it serves as the mandatory collective protection system for all Swiss-licensed banks and account-holding securities firms, funding payouts through member contributions within a seven-working-day legal deadline.

Product overview

esisuisse operates as a single, unified service providing statutory deposit insurance for Swiss banks and securities firms. The organization guarantees coverage of protected customer deposits up to CHF 100,000 per customer and per bank in the event of a bank bankruptcy. esisuisse functions as the implementing body for deposit protection self-regulation under Swiss banking law, maintaining a membership-based system where all Swiss-domiciled banks must participate. The organization's service encompasses public deposit protection information, bank member search functionality, self-regulation coordination, and operational readiness for bank liquidation scenarios requiring deposit payouts.

Differentiator

Problem solved

Functional benefit

Products and services

• Swiss Deposit Insurance System Statutory deposit insurance that protects customer deposits up to CHF 100,000 per customer and per bank in case of bank bankruptcy, regulated by Swiss banking law. Funded by mandatory member contributions with a seven-working-day payout deadline.
• Bank Member Search Directory Online directory enabling users to verify whether a specific bank is a member of esisuisse and therefore covered by Swiss deposit insurance protection up to CHF 100,000 per client.
• Self-Regulation Coordination Services Coordination and management of self-regulatory standards for Swiss banks and securities firms regarding deposit protection requirements, member reporting, and compliance with the Swiss Banking Act.
• Bank Liquidation Payout Support Operational services supporting bank bankruptcy proceedings, including financing of protected deposit payouts and coordination with FINMA-appointed bankruptcy liquidators. Payout funds must be transferred within seven working days.

Quantifiable outcome

• Protected deposits up to CHF 100,000 per customer and bank
• +1 more outcomes

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Five partnerships are on record, tiered core.

• FINMA (Eidgenössische Finanzmarktaufsicht)coreStrategic or Co-development Partner · 21 February 2014esisuisse has a Memorandum of Understanding (MoU) with FINMA for coordination and information exchange. FINMA appoints bankruptcy liquidators and oversees the Swiss banking sector, while esisuisse manages the deposit insurance payout process.
• IADI (International Association of Deposit Insurers)coreStrategic or Co-development Partneresisuisse actively participates in IADI, contributing to the development of international standards for deposit insurance systems. In 2025, esisuisse contributed to the revision of IADI's Core Principles, which serve as global standards for effective deposit insurance systems.
• EFDI (European Forum of Deposit Insurers)coreStrategic or Co-development Partneresisuisse is a member of the European Forum of Deposit Insurers (EFDI), which promotes cooperation and information exchange among European deposit insurance schemes.
• Ernst & Young AGcoreOthersErnst & Young AG serves as esisuisse's official auditor (Revisionsstelle), reviewing annual financial statements and providing independent assurance.
• Swiss banking sectorcoreOthersAll 251 banks and securities firms in Switzerland are mandatory members of esisuisse. Member banks fund the deposit insurance system through statutory contributions.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Others

• FINMA (Swiss Financial Market Supervisory Authority): Swiss federal financial regulator that appoints bankruptcy liquidators, oversees banking sector, and coordinates with esisuisse via MoU. Adjacent institutional counterpart rather than direct competitor, but functionally interconnected through the deposit insurance payout process.

Broad incumbents

• Deposit Insurance Corporation of Japan (DICJ): Japanese statutory deposit insurance organization covering deposits at member financial institutions. Comparable national-level deposit insurance entity operating under a different regulatory framework.
• Federal Deposit Insurance Corporation (FDIC): The US federal deposit insurance agency that insures deposits at member banks and manages bank failures. Most direct global analog to esisuisse, but operating at much larger scale and with explicit federal regulatory authority rather than the self-regulatory model esisuisse uses.
• Canada Deposit Insurance Corporation (CDIC): Canadian federal Crown corporation providing deposit insurance to member financial institutions. Comparable statutory deposit insurer with mandatory membership and defined coverage limits.
• Australian Prudential Regulation Authority (APRA) Financial Claims Scheme: Australian statutory deposit protection regime administered by APRA, covering deposits up to AUD 250,000 per account holder. Comparable government-administered deposit insurance framework.

Direct peers

• De Nederlandsche Bank (DNB) Deposit Guarantee Scheme: Operator of the Dutch deposit guarantee scheme under EU Directive requirements, protecting deposits up to €100,000. Comparable European deposit insurance scheme with similar payout deadlines and coverage limits.
• Fonds de Garantie des Dépôts et de Résolution (FGDR): French deposit guarantee and resolution fund covering deposits at credit institutions. Comparable European deposit insurance mechanism operating under EU harmonized rules with similar mandate and payout procedures.
• Fondo Interbancario di Tutela dei Depositi (FITD): Italian voluntary interbank deposit protection fund covering member banks. Comparable self-regulatory deposit insurance model in another European market with similar industry-funded structure.
• Financial Services Compensation Scheme (FSCS): UK's statutory deposit and investment protection scheme, providing compensation up to £85,000 per depositor when authorized firms fail. Closest European analog to esisuisse in operating model (industry-funded, mandatory membership, depositor compensation in bankruptcy).
• Einlagensicherungsfonds (German Deposit Protection Fund): German private-law deposit protection scheme run by the Association of German Banks, providing protection for retail deposits at member banks. Comparable self-regulatory, industry-funded model in a neighboring market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/esisuisse
• Facebookfacebook.com/esisuisse.ch
• LinkedInlinkedin.com/company/esisuisse

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about esisuisse