The Deposit Guarantee Scheme protects eligible deposits up to the applicable limit per person, per authorised institution—not separately for every account. Accounts held under different brands may still count together if the brands operate under the same banking licence, while joint accounts are generally assessed according to each holder’s share. Certain temporary high balances may qualify for additional protection in specific circumstances. Limits and eligibility rules can change, so check the current position with the Central Bank of Ireland or your bank.