The Irish Deposit Guarantee Scheme protects eligible deposits up to a statutory limit per depositor, per authorised institution, rather than necessarily per account. Accounts held under different brands may count together if the brands belong to the same institution, while joint accounts are generally assessed according to each account holder’s entitlement. Certain deposits or depositors may be excluded, and special rules can apply to some temporary high balances. The limit and detailed eligibility rules can change, so check the latest information with the Central Bank of Ireland or your bank.