Deposit Protection Agency

What Deposit Protection Agency does

Deposit Protection Agency (DPA), legally สถาบันคุ้มครองเงินฝาก, is Thailand's statutory deposit insurance body established under the Deposit Protection Agency Act B.E. 2551 (2008) and supervised by the Ministry of Finance. It is a state enterprise, not a commercial company, and is headquartered at SJ Infinite One Business Complex, Floors 25-27, 349 Vibhavadi-Rangsit Road, Chatuchak, Bangkok 10900, with a headcount of 16 employees. DPA's mandate is to guarantee reimbursement of protected deposits up to 1 million THB per depositor per institution when a member financial institution fails, thereby maintaining public confidence in Thailand's banking system. As of the March 2026 protected deposits report, the agency covers 102.9 million depositors (98.25% fully covered) across 16.72 trillion THB in protected deposits.

DPA's core operational technology is the Electronic Filing and Monitoring System (EFMS), a secure electronic platform through which the 33 member financial institutions — comprising 17 Thai commercial banks, 11 foreign commercial bank branches, 1 branchless bank (Clicx Bank), 1 finance company, and 3 credit foncier companies — submit depositor data and remit statutory premiums. Reimbursement is executed within a 30-day SLA through PromptPay integration linked to Thai national ID numbers, with a public hotline (1158) serving as the depositor-facing service channel. The agency has issued compliance guidance for Virtual Banks, indicating intent to extend the protected perimeter to digital-only entrants.

As a statutory government body, DPA is funded by mandatory premiums set by its Board and collected from member institutions rather than by commercial pricing. It does not have a private-equity or venture-capital ownership structure, generates no traditional product revenue, and does not disclose financial statements through the channels covered in this input. Its outreach is conducted via its official website (dpa.or.th), social media accounts (Facebook, X, LINE, YouTube, LinkedIn), annual reports, public disclosures, and education-focused content such as articles, infographics, and videos.

Name

Deposit Protection Agency

Legal name

สถาบันคุ้มครองเงินฝาก (Deposit Protection Agency)

Website

https://dpa.or.th

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Deposit Protection Agency is Thailand's statutory deposit insurance body, protecting depositors of 33 member financial institutions with coverage up to 1 million THB per depositor per institution, serving 102.9 million depositors holding 16.72 trillion THB in protected deposits.

Ownership category

akta.pro rank

Product category

Deposit Insurance

NAICS

Other Insurance Funds (52519)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Government & Public Sector Disbursements (Tax Refunds, Benefits) (FSAMAKAJ)

akta.pro secondary industry

A2A Payouts & Disbursements (FSAMAFAG)

Keywords

• Deposit insurance
• Financial stability
• Bank supervision
• Depositor protection
• Regulatory services

Headquarters

HQ city

Bangkok

HQ country

Thailand

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Deposit Protection Premiums: DPA collects annual premiums from member financial institutions (banks, finance companies, credit fonciers) based on the total amount of protected deposits held. The premium rate is set by the DPA Board and reviewed periodically. This is the primary source of funding for the deposit protection fund.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

The Deposit Protection Agency (DPA) operates Thailand's statutory deposit insurance scheme, guaranteeing reimbursement of protected deposits up to 1 million THB per depositor per member institution within 30 days of a financial institution's closure. The agency collects annual premiums from 33 member financial institutions (commercial banks, foreign bank branches, branchless banks, finance companies, and credit foncier companies) based on the total amount of protected deposits held, and administers the deposit insurance fund along with the Electronic Filing and Monitoring System (EFMS) for depositor data submissions and PromptPay-based payout disbursements.

Product overview

Deposit Protection Agency (DPA) Thailand (สถาบันคุ้มครองเงินฝาก) is a Thai government agency providing statutory deposit insurance protection. The agency operates a deposit protection scheme covering deposits up to 50 million baht per depositor per institution. DPA's portfolio includes 33 protected financial institutions encompassing 17 commercial banks, 11 foreign bank branches, 1 digital-only bank, 1 finance company, and 3 credit foncier companies. The organization offers deposit protection services, reimbursement procedures when institutions fail, and public information services including deposit statistics, annual reports, financial statements, and educational resources on deposit protection. The agency collects premiums from member institutions, administers the deposit insurance fund, and maintains a call center (1158) for depositor inquiries. DPA does not appear to offer commercial software products or digital platforms; its services are primarily regulatory and administrative in nature focused on financial institution deposit protection and reimbursement.

Differentiator

Problem solved

Functional benefit

Products and services

• Statutory Deposit Protection Scheme (การคุ้มครองเงินฝาก) Thailand's statutory deposit insurance scheme guaranteeing reimbursement of protected deposits up to 1 million THB per depositor per member institution. Coverage is automatic for depositors at all 33 member financial institutions (banks, finance companies, credit fonciers), with reimbursement delivered within 30 days.
• Deposit Reimbursement Procedure via PromptPay (วิธีการจ่ายเงินคุ้มครอง) Statutory process for disbursing deposit insurance payouts to depositors within 30 days of an institution's closure, executed via PromptPay integration linked to the depositor's Thai national ID number.
• Electronic Filing and Monitoring System (EFMS) — Depositor Data Submission Service (การนำส่งข้อมูลผ่านระบบรับและจัดเก็บข้อมูลอิเล็กทรอนิกส์ (EFMS)) A secure electronic filing and monitoring system used by the 33 member financial institutions to submit depositor data to DPA as required for statutory deposit protection coverage.
• Public Information Service — DPA Hotline 1158 and Website Inquiries (ศูนย์ข้อมูลคุ้มครองเงินฝาก) Public information service via hotline 1158 and the DPA website for depositor inquiries on coverage limits, protected institutions, reimbursement procedures, and general deposit protection questions.

Quantifiable outcome

• 102.9 million depositors (98.25%) fully protected up to 1 million THB
• +2 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Protected Financial Institutions (33 member banks and finance companies)coreChannel Partner/ Reseller/ Distributor33 member financial institutions including 17 commercial banks, 11 foreign bank branches, 1 branchless bank, 1 finance company, and 3 credit fonciers are legally required members of the deposit protection scheme. Member institutions pay statutory premiums and submit depositor data via EFMS, while their depositors receive automatic coverage up to 1 million THB.
• Specialized Financial Institutions Development Fund (SFI Fund / กองทุน SFI)minorStrategic or Co-development PartnerThe SFI Fund conducted a study visit to DPA in May 2026 to exchange knowledge on deposit protection operations, including investment management, legal frameworks under the Deposit Protection Act, premium collection from member institutions, IT data exchange systems, and audit/risk management practices. DPA and the SFI Fund share knowledge to strengthen financial system stability in Thailand.
• National Savings Fund (กอช. / NSO)minorStrategic or Co-development PartnerDPA and the National Savings Fund operate under a Memorandum of Understanding (MOU) to jointly promote financial literacy, savings awareness, and deposit protection education among NSO members and the broader public. Activities include lectures, booth exhibitions at seminars and events.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Deposit Insurance Corporation of Japan (DICJ): Japan's deposit insurance body, operating under the Deposit Insurance Act with statutory coverage limits and resolution authority. Direct functional comparable to DPA, including depositor reimbursement and member-institution premium collection.
• Korea Deposit Insurance Corporation (KDIC): Korea's statutory deposit insurance agency, providing depositor protection, financial institution resolution, and financial stability functions. Closely comparable to DPA in mandate, premium-based funding, and rapid-payout reimbursement infrastructure in an Asian banking context.
• Financial Services Compensation Scheme (FSCS): The UK's statutory compensation scheme protecting deposits, investments, insurance, and mortgage advice customers of authorized financial firms. Comparable to DPA's deposit protection function though broader in scope, providing a UK/Europe benchmark for reimbursement operations.
• Hong Kong Deposit Protection Board: Hong Kong's deposit protection scheme administrator, providing statutory deposit protection to depositors of scheme members. Direct comparable to DPA in coverage limits, member institution oversight, and reimbursement administration.
• Singapore Deposit Insurance Corporation (SDIC): Singapore's deposit insurance agency, providing deposit protection coverage to depositors of full banks, finance companies, and merchant banks. Direct ASEAN peer with comparable mandate, coverage limits, and reimbursement timing to DPA.
• Deposit Insurance and Credit Guarantee Corporation (DICGC): India's deposit insurance arm under RBI, insuring bank deposits and providing credit guarantees. Direct functional comparable to DPA in providing per-depositor coverage limits, premium collection from member banks, and depositor reimbursement upon bank failure.
• Indonesia Deposit Insurance Corporation (LPS): Indonesia's LPS provides statutory deposit insurance to bank depositors and resolution of failed banks. Direct ASEAN comparable to DPA with similar premium-based funding, member institution oversight, and depositor reimbursement mandate.
• Perbadanan Insurans Deposit Malaysia (PIDM): Malaysia's statutory deposit insurance corporation, providing deposit protection and takaful insurance benefits to depositors and members of member institutions. Directly comparable to DPA as a neighboring ASEAN deposit insurer with similar premium-based funding model.

Broad incumbents

• Federal Deposit Insurance Corporation (FDIC): The US statutory deposit insurer, operating under federal law with an explicit mandate to protect depositors and maintain financial stability. Directly comparable to DPA in function, scale of insured deposits, and statutory exclusivity, though operating in a much larger and more complex banking system.

Emerging players

• Deposit Insurance of Vietnam (DIV): Vietnam's deposit insurance organization insuring deposits at member credit institutions and banks. Emerging ASEAN peer with comparable mandate and premium-based funding model, though operating in a less mature deposit insurance regime.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/DPAThailand
• YouTubeyoutube.com/@dpathailand
• Facebookfacebook.com/dpathailand
• LinkedInlinkedin.com/company/deposit-protection-agency

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Deposit Protection Agency