The information available on this page is purely for information and educational purposes. In case of doubt or should you require further information, please consult the law (LN383 of 2015) or alternative, click here to submit a question.
1. How would I know if I am covered by the Scheme in Malta?
If you are already an account holder with a bank in Malta, you are automatically protected by the Scheme if that bank were to ever fail. At least once annually, your bank is not only required to inform you whether your account is covered by the Scheme but it is also obliged to provide you with an information sheet describing the level and extent of protection you enjoy. For a specimen copy of the information sheet, click here.
If you are a new account holder, your bank is also obliged to give you the information sheet referred to above. You would also need to confirm to the bank that you have received a copy of the information sheet.
2. What accounts are covered by the Scheme?
All eligible deposit accounts are covered by the Scheme. This includes all savings, current and fixed deposit accounts, as well as any accounts which, at the time of the banks’ failure, may be in credit (such as credit card accounts and overdrafts).
Deposits which may be held evidenced by way of a certificate or which might be linked to an investment (such as products where the principal is not repayable in full upon maturity) are not considered to be deposits and therefore not covered by the Scheme. However, certificates of deposit made out to named persons and which existed in Malta on 2 July 2014 are covered by the Scheme.
3. I have a number of accounts with the same bank, denominated in various currencies. Are all currencies covered and how will payment of compensation be calculated?
The Scheme covers deposits in all currencies without distinction.
In addition, as you have more deposits at the same credit institution, all your deposits at the same credit institution are added up and the total is subject to the limit of compensation of EUR100,000 per depositor.
However, in the event that the Scheme pays compensation, it will pay such compensation in euro. Therefore if your account is in any currency which is not the euro, the Scheme will exchange the amount in your account (with any accrued interest) into euro at the official exchange rate of the European Central Bank (ECB) when the Scheme is requested to make such compensation.
4. If my bank fails, how much do I expect to be compensated by the Scheme?
The maximum amount which the Scheme is obliged to pay to depositors of a failed bank is €100,000.
This limit applies to the total amount of deposits held by the depositor with the failed bank, irrespective of the number of accounts, the currencies of such accounts as well as the location within the EEA.
However, you may also be eligible for additional compensation if you are able to prove that – at the moment the bank failed – you held amounts greater than €100,000 which had been derived from specific life events. See next question for further information.
5. Tell me more about the possibility of a greater amount of compensation that the Scheme may pay me, over and above the €100,000 compensation limit.
At the time when a bank fails, a depositor might have balances in his account which may have been derived from particular life or social situations. These would normally be temporary high payments made to the depositor.
In addition to the compensation of €100,000, some depositors may therefore also qualify to receive additional compensation not exceeding €500,000 if the amount to the depositor’s account is derived from the following life events:
- Monies deposited in preparation for the purchase of a private residential property by the depositor; or
- Monies which represent the proceeds of sale of a private residential property of the depositor; or
- Sums paid to the depositor in respect of:
- A separation, divorce or dissolution of their civil union; or
- Benefits payable on retirement; or
- A claim for compensation for unfair dismissal; or
- A claim for compensation for redundancy; or
- Benefits payable for death or bodily injury; or
- A claim for compensation for wrongful conviction.
In order to claim for such additional compensation, the depositor must provide the Scheme with a written application and evidence supporting the depositor’s claim that all or part of the deposit in excess of €100,000 qualifies as a temporary high balance. Further details will be made available in due course.
The depositor may make more than ONE claim if there are multiple events that give rise to temporary high balance, in which case the additional compensation of up to €500,000 would apply for each and every such temporary high balance claim.
Other than the criteria listed above, a temporary high balance would be eligible for compensation if the amounts derived have been credited in the depositor’s account within six months from the date the Scheme is required to pay compensation to that depositor. Therefore, if a depositor claims to have had a balance (derived from any situation described above) in an account for more than six months from the date the Scheme is required to pay compensation to that depositor, the Scheme would not be obliged to pay such additional compensation as described above.
Therefore, if you claim to have had a balance (derived from any situation described above) in an account for more than six months, the Scheme would not be obliged to pay such additional compensation as described above.
6. If I have loans as well as deposits with a failed bank, will I still be entitled to compensation by the Scheme?
Yes, you would still be entitled for compensation. The Scheme will not deduct or take into account any amounts which may be due to that failed bank. These amounts may include, for example, amounts due in respect to loans and overdrafts.
Any compensation payable by the Scheme will be calculated on the amounts credited to that depositor’s accounts, including any interest which is accrued up to the date that the Scheme is obliged to pay compensation.
That stated, the fact that a bank failed will not cancel your debts or dues to that bank. But the bank’s liquidator will deal with those aspects later.
The Scheme may also withhold payment of compensation on deposits which the bank might have blocked as a result of legal and court obligations (such as anti-money laundering and seizure).
Am I always covered by the Scheme once I hold a deposit account, or do I have to renew my protection?
No, you do not need to renew your protection. The application of the guarantee is applicable for all existing accounts, as well as any future accounts opened with banks. In addition, such protection will not expire.
7. Do I need to apply to the Scheme for compensation?
No, you will not be required to apply for compensation as the Scheme shall be required to obtain information about your deposits directly from the failed bank’s systems. Payment of compensation will be effected on the basis of information which the bank will pass on to the Scheme.
8. How long does it take for the scheme to pay compensation?
By 1 January 2024, the Scheme is obliged to pay compensation within 7 business days from the date when a bank has been declared in default because it is unable to repay deposits to its depositors.
Until such target date, the Scheme is required to pay compensation within 20 business days from the date when a bank has been declared in default because it is unable to repay deposits to its depositors. The Scheme is also obliged to ensure that depositors have access to an amount – equivalent to three times the gross weekly minimum wage (as applicable at the time of compensation) to cover the cost of living – within five working days of a request from the depositor. Further details about this will be provided in due course.
The scheme may also defer payment in regard to balances held in dormant accounts. A dormant account is an account in which there have been no transactions within the previous 24 months (two years). Therefore, if your bank has classified an account to be dormant any balances will not be taken into account by the Scheme for the purposes of calculating compensation. You may apply to the Scheme – at a later stage – for additional compensation (i.e. within the maximum limit of €100,000) for any amounts held in such dormant account.
However, the Scheme may still refuse to pay such additional compensation if the value of the deposit is lower than the administrative cost that would be incurred by the Scheme in making such a payment.
Payment for accounts under nominee or trusteeship may also be deferred
9. How will the Scheme be able to calculate the amount of compensation due to me?
All banks will be required to identify and classify all depositors and deposits in such a manner which would enable the Scheme to calculate the amount of compensation due to each depositor.
Such classification of information will be done electronically in accordance with standards as required by the Scheme.
The legislation provides that the Scheme should be able to test the manner in which the banks are classifying such accounts. For this purpose, it requires the Scheme to carry out periodic rigorous tests to ensure that the banks are in conformity with the legislation.
Both the Scheme and the banks are required to treat depositor information with strict confidentiality and data protection legislation, to the highest extent possible.
10. Does the Scheme cover companies as well as individuals?
As stated earlier, most types of eligible deposits are covered, including current, fixed and savings accounts.
Similarly, most depositors are covered by the Scheme.
A company which holds accounts with a failed bank, and is not excluded from receiving compensation as allowed by law (see below), is likely to be covered by the Scheme and eligible to receive compensation within the maximum allowed of €100,000.
The Scheme will not cover a deposit with a bank falling under any of the categories below:
- Deposits made by other credit institutions on their own behalf and for their own account;
- Own funds of the bank;
- Deposits arising out of transactions in connection with which there has been a criminal conviction for money laundering;
- Deposits by financial institutions;
- Deposits by investment firms;
- Deposits the holder of which has never been identified;
- Deposits by insurance undertakings and by reinsurance undertakings;
- Deposits by collective investment undertakings;
- Deposits by pensions and retirement funds;
- Deposits by public authorities;
- Debt securities issued by a credit institution and liabilities arising out of own acceptances and promissory notes;
- Deposits held with a member in a branch of that member which is located in a non-Member State;
- Deposits held in a branch in Malta by a bank established outside the EEA area.
In case of doubt, it is advisable that you seek confirmation from your bank whether you are eligible to receive compensation by the Scheme.
11. Do you cover investment services?
Investment services are not covered by this Scheme. They may however be eligible to protection under a different arrangement, namely the Investor Compensation Scheme.
12. What triggers payment of compensation by the Scheme?
Compensation is not triggered if a licensed bank could hand over your deposit but is refusing to do so for reasons unconnected with its adverse financial circumstances. So the Scheme will not cover such claims.
13. How does the Scheme obtain its funds to pay compensation to depositors?
The Depositor Compensation Scheme is not an insurance company. It is not funded by the Government or by the taxpayer. The Scheme is funded by cash contributions and assets pledged by all banks which are licensed by the MFSA.
14. What if I have a joint account or a trust, or my holdings are held under nominee?
The share of each depositor of a joint account shall be considered separately in calculating compensation. In the absence of contrary provisions, the joint account shall be divided equally among the depositors.
Deposits in an account with two or more persons are entitled as members of a business partnership, association or grouping of a similar nature, without legal personality, shall be aggregated and treated as if made by a single depositor for the purpose of calculating compensation.
Where a depositor is not absolutely entitled to the sums held in an account and another person is absolutely entitled to such sums, the person who is absolutely entitled shall be entitled to compensation in respect of the deposit.
In respect of deposits held by a person acting as trustee or nominee for one or more persons, the deposit making up the claim shall be deemed to belong to the beneficial owners equally unless there exists specific information which may otherwise determine the beneficial interests of such persons. It is up to the trustee or nominee to provide the Scheme with information about the names and amounts due to such beneficial owners. Indeed, such types of accounts would not be paid by the Scheme within the time limits explained to above. When a bank fails, the Scheme will invite account holders operating such accounts to provide it with a detailed list of the beneficial owners of such accounts to enable the Scheme to pay such compensation that may be due to such beneficial owners.
15. Are there any particular instances where the payment of compensation may be withheld or deferred?
Ordinarily, the payment of compensation will be made within the periods explained in question 8 above.
However, there may be instances where the Scheme may defer the payment of compensation beyond these time period.
Temporary High Balances (see question 5) will not be paid within the respective time period because the depositor would have to apply to the Scheme to be considered for any additional payment under this category of payments. If the Scheme is satisfied that you are entitled to any additional amounts because there are balances in your account which qualify for a further amount of compensation, the Scheme will be obliged to pay such additional compensation as due within three months from receipt of all information and documentation by the claimant.
The scheme may also defer payment in regard to balances held in dormant accounts. A dormant account is an account in which there have been no transactions within the previous 24 months (two years). Therefore, if your bank has – after contacting you – classified an account to be dormant – any balances in that account will not be taken into account by the Scheme for the purposes of calculating compensation. You may apply to the Scheme – at a later stage – for additional compensation (i.e. within the maximum limit of €100,000) for any amounts held in such dormant account. However, the Scheme may still refuse to pay such additional compensation if the value of the deposit is lower than the administrative cost that would be incurred by the Scheme in making such a payment.
Payment for accounts under nominee or trusteeship may also be deferred (as explained in question 2 Above).
16. I am a depositor with a branch located in an EEA member state of a bank incorporated in Malta. Under which Scheme will I be covered – the Scheme in Malta or that in the country where the branch is located?
The scheme in the member state where the host is located will be responsible for the payment of compensation due to you. For example, if you hold an account with a branch in Spain of a bank incorporated and licensed in Malta, the Scheme in Spain will be responsible for the payment of compensation due to you.
17 I am a depositor of a branch in Malta of a bank incorporated in another EEA country. If that bank were to fail, which Scheme will compensate me for my losses?
The Scheme in the member state where the branch is located will be responsible for the payment of compensation due to you, and will make such compensation in line with the time periods described above. For example, if you hold an account with a branch in Malta of a bank incorporated and licensed in Germany, the Scheme in Malta will be responsible for the payment of compensation due to you.
18. I am a depositor of a branch in Malta of a bank established outside the EEA. Will the Scheme in Malta cover my deposits?
No, your deposits are not covered by the Scheme in Malta. You should check with your bank under which scheme your deposits are covered, if at all. For example, if you hold an account with a branch in Malta of a bank incorporated and licensed in Turkey, the Scheme in Malta will not be responsible towards you and you should check with your bank if you are protected by a similar scheme to that in Malta.
19. I am a depositor of a branch located outside the EEA of a bank established in Malta? Will the Scheme in Malta cover my deposits?
No, your deposits are not covered by the Scheme in Malta. You should check with your bank under which scheme your deposits are covered, if at all. For example, if you hold an account with a branch in the USA of a bank incorporated and licensed in Malta, the Scheme in Malta will not be responsible towards you and you should check with your bank if you are protected by a similar scheme in the country where the branch is located.
20. Do I have any rights if I reject a decision taken by the Scheme in my regard?
Your legal rights will not be prejudiced if the Scheme fails to repay you within the deadlines established above, or you reject a decision taken by the Scheme in your regard, It is important to note that the time to claim reimbursement may be barred after a certain time limit. For instance, if you delay by more than two years to claim for additional compensation as explained above (i.e. up to €500,000), you will lose your right to receive such additional compensation.
And one last thing …
To receive compensation you will be required to sign some statements including a subrogation in favour of the Scheme. This subrogation gives us the right to recover the amounts which we have paid you, in the event that the failed institution has any money or assets left. A subrogation will also enable us to claim back money from other persons who may be responsible for your losses.
It-taghrif disponibbli f’din il-pagna qieghed jinghata purament bi skop informattiv u edukattiv. F’kaz ta’ dubju jew jekk tixtieq tikseb aktar informazzjoni, jekk joghgbok ikkonsulta mal-ligi (AL383 tal-2015) jew inkella, aghfas hawn, sabiex taghmel il-mistoqsija tieghek.
1. Kif se nkun naf jekk iniex kopert bl-Iskema f’Malta?
Jekk digà ghandek kont ma’ bank f’Malta, awtomatikament inti mhares bl-Iskema kemm-il darba dak il-bank ifalli. Mill-inqas darba fis-sena, il-bank tieghek mhux biss ghandu jinfurmak jekk il-kont tieghek huwiex kopert bl-Iskema jew le imma hu wkoll obbligat li jipprovdilek fuljett informattiv li jiddeskrivi l-livell u l-firxa tal-protezzjoni li qed tgawdi minnha. Hawn taht ghandek issib kampjun tal-fuljett informattiv.
Jekk ghadek kemm ftaht kont gdid, il-bank tieghek ukoll hu obbligat li jghaddilek il-fuljett informattiv imsemmi hawn fuq. Inti tkun trid ukoll tikkonferma mal-bank li rcevejt kopja tal-fuljett informattiv.
2. Liema kontijiet huma koperti bl-Iskema?
Il-kontijiet ta’ depozitu elegibbli kollha huma koperti bl-Iskema. Dawn jinkludu l-kontijiet kollha tat-tifdil, kurrenti u ta’ depozitu fiss, kif ukoll kull tip ta’ kont li, dakinhar meta jfalli l-bank, jista’ jkollhom kreditu (bhalma huma kontijiet ta’ kards ta’ kreditu u kreditu fuq kontijiet bankarji, maghrufa bhala “overdrafts”).
Depoziti li jistghu jkunu ppruvati permezz ta’ certifikat jew li jistghu jkunu marbuta ma’ xi investiment (bhalma huma prodotti fejn il-kapital ma jergax jithallas lura kompletament hekk kif jimmatura) ma jitqisux bhala depoziti u ghaldaqstant mhumiex koperti bl-Iskema. Madanakollu, certifikati ta’ depozitu maghmulin f’isem persuni u li kienu jezistu f’Malta fit-2 ta’ Lulju 2014 huma koperti bl-Iskema.
3. Ghandi numru ta’ kontijiet mal-istess bank, iddenominati f’muniti varji. Il-muniti kollha huma koperti u kif se jinhadem il-pagament tal-kumpens?
L-Iskema tkopri d-depoziti maghmulin fil-muniti kollha minghajr distinzjoni.
Barra minn hekk, minhabba li ghandek aktar depoziti mal-istess istituzzjoni ta’ kreditu, id-depoziti tieghek kollha mal-istess istituzzjoni ta’ kreditu jinghaddu flimkien u t-total hu suggett ghal kumpens massimu ta’ EUR100,000 lil kull depozitant.
Madanakollu, fl-eventwalità li l-Iskema thallas kumpens, dan il-kumpens se jithallas bl-ewro. Ghaldaqstant, jekk il-kont tieghek hu fi kwalunkwe munita li mhijiex l-ewro, l-Iskema se taqleb l-ammont fil-kont tieghek (bi kwalunkwe interessi migmugha) fl-ewro skont ir-rata tal-kambju ufficjali tal-Banc Centrali Ewropew (BCE) meta l-Iskema tintalab taghmel dan it-tip ta’ kumpens.
4. Jekk il-bank tieghi jfalli, kemm hu l-kumpens li ghandi nistenna mill-Iskema?
L-ammont massimu li l-Iskema hi obbligata li thallas lid-depozitanti ta’ bank li falla hu ta’ €100,000.
Dan il-limitu japplika ghat-total shih ta’ depoziti mizmuma mid-depozitant mal-bank fallut, irrispettivament mill-ghadd ta’ kontijiet, il-munita ta’ dawn il-kontijiet kif ukoll il-post fejn jinsabu fiz-ZEE.
Madanakollu, taf tkun ukoll elegibbli ghal kumpens addizzjonali jekk kapaci turi li – fil-mument li fih falla l-bank – kellek ammonti li jaqbzu l-€100,000 li rrizultatw minn avvenimenti personali specifici. Ara l-mistoqsija li jmiss ghal aktar taghrif.
5. Ghidli aktar dwar il-possibbiltà li nithallas kumpens akbar mill-Iskema u li jaqbez il-kumpens massimu ta’ €100,000.
Fil-mument meta jfalli l-bank, id-depozitant jista’ jkollu xi bilanci fil-kont tieghu li jaf ikunu gejjin minn sitwazzjonijiet fil-hajja u socjali partikulari. Normalment dawn ikunu pagamenti gholjin temporanjament maghmulin lid-depozitant.
Minbarra l-kumpens ta’ €100,000, uhud mid-depozitanti jistghu, ghaldaqstant, jikkwalifikaw ukoll sabiex jircievu kumpens addizzjonali li ma jaqbizx il-€500,000 jekk l-ammont fil-kont tad-depozitant gej mill-avvenimenti personali li gejjin:
- Flus iddepozitati bhala thejjija biex tinxtara proprjetà residenzjali privata mid-depozitant; jew
- Flus li jirrapprezentaw il-proceduri tal-bejgh ta’ proprjetà residenzjali privata tad-depozitant.
- Somom imhallsa lid-depozitant b’rabta ma’:
- Separazzjoni, divorzju jew xoljiment tal-unjoni civili taghhom; jew
- Beneficcji pagabbli dakinhar tal-irtirar; jew
- Talba ghal kumpens f’kaz ta’ sensja ingusta; jew
- Talba ghal kumpens f’kaz ta’ qghad; jew
- Beneficcji pagabbli f’kaz ta’ mewt jew korriment; jew
- Talba ghal kumpens f’kaz ta’ kundanna zbaljata.
Sabiex issir talba ghal dan il-kumpens addizzjonali, id-depozitant ghandu jressaq quddiem l-Iskema applikazzjoni u evidenza bil-miktub li jwieznu t-talba tad-depozitant li d-depozitu kollu jew parti minnu li jaqbez il-€100,000 jikkwalifika bhala bilanc gholi temporanjament. Aktar taghrif ghandu jkun accessibbli aktar ’il quddiem.
Id-depozitant jista’ jaghmel aktar minn talba WAHDA jekk hemm bosta sitwazzjonijiet li jwasslu ghal bilanc gholi temporanjament, u f’kaz bhal dan japplika kumpens addizzjonali sa €500,000 ghal kull talba ta’ bilanc gholi temporanjament.
Minbarra l-kriterji mnizzla hawn fuq, bilanc gholi temporanjament ikun elegibbli ghal kumpens jekk l-ammonti miksuba gew ikkreditati fil-kont tad-depozitant fi zmien sitt xhur mid-data li l-Iskema tkun obbligata thallas il-kumpens lil dak id-depozitant. Ghaldaqstant, jekk it-talbiet tad-depozitant kellhom bilanc (miksub minn kwalunkwe wahda mis-sitwazzjonijiet deskritti hawn fuq) f’kont ghal aktar minn sitt xhur mid-data li l-Iskema tkun obbligata li thallas kumpens lid-depozitant, l-Iskema ma tkunx obbligat thallas dan il-kumpens addizzjonali kif imfisser hawn fuq.
Ghaldaqstant, jekk qed issostni li kellek bilanc (bhala rizultat ta’ kwalunkwe sitwazjoni deskritta hawn fuq) f’kont ghal aktar minn sitt xhur, l-Iskema ma tkunx obbligata li thallas xi kumpens addizzjonali kif deskritt hawn fuq.
6. Jekk mal-bank li falla ghandi d-dejn kif ukoll il-bilanci, xorta nkun intitolat ghal kumpens mill-Iskema?
Iva, xorta tkun intitolat ghal kumpens. L-Iskema mhux se tnaqqas u mhux se tikkunsidra xi ammont li hu dovut lil dak il-bank fallut. Dawn l-ammonti jistghu jinkludu, nghidu ahna, l-ammonti dovuti b’rabta ma’ self u krediti fuq kontijiet bankarji.
Kwalunkwe kumpens li jrid jithallas mill-Iskema se jinhadem fuq l-ammonti kkreditati fil-kontijiet ta’ dak id-depozitant, li jinkludu kwalunkwe interessi migmugha sa dakinhar li l-Iskema tkun obbligata li thallas il-kumpens.
Minkejja dan, il-fatt li l-bank falla mhux se jhassar id-djun tieghek jew dak li ghandek taghti lill-bank. Imma l-likwidatur tal-bank se jahdem fuq dawk l-aspetti aktar tard.
L-Iskema tista’ wkoll izzomm il-pagament tal-kumpens fuq dawk id-depoziti li l-bank jaf ikun imblokka bhala konsegwenza ta’ obbligi legali u proceduri kriminali (fosthom dawk kontra l-hasil ta’ flus u sekwestru ta’ flus).
Dejjem inkun kopert bl-Iskema kemm-il darba jkolli kont bankarju, jew irrid ingedded il-protezzjoni li ghandi?
Le, m’ghandekx ghalfejn iggedded il-protezzjoni li ghandek. L-applikazzjoni tal-garanzija hi applikabbli ghall-kontijiet kollha ezistenti, kif ukoll ghal kwalunkwe kont li jista’ jinfetah fil-gejjien mal-banek. Barra minn hekk, din il-protezzjoni ma tiskadix.
7. Ghandi bzonn napplika mal-Iskema ghall-kumpens?
Le, mhux se tintalab tapplika ghal kumpens minhabba li l-Iskema se tintalab tikseb taghrif dwar id-depoziti li ghandek direttament mis-sistemi tal-bank fallut. Il-pagament tal-kumpens se jsir skont l-informazzjoni li l-bank jghaddi lill-Iskema.
8. Kemm jghaddi zmien sakemm l-Iskema thallas il-kumpens?
Sal-1 ta’ Jannar 2024, l-Iskema se tkun obbligata li thallas il-kumpens fi zmien sebat ijiem ta’ xoghol mid-data meta l-bank ikun iddikkjarat bhala fallut minhabba li mhux f’qaghda li jerga’ jhallas id-depoziti lid-depozitanti tieghu.
Sa kemm tasal din il-gurnata, l-Iskema hi mitluba sabiex thallas il-kumpens fi zmien 20 gurnata ta’ xoghol mid-data meta l-bank jigi ddikkjarat fallut minhabba li mhux f’qaghda li jerga’ jhallas id-depoziti lid-depozitanti tieghu. L-Iskema ghandha l-obbligu li tizgura li d-depozitanti jkollhom access ghal ammont – ekwivalenti ghal tliet darbiet il-paga minima gross fil-gimgha (kif applikabbli fiz-zmien meta jinghata l-kumpens) sabiex ikopru l-ispejjez b’rabta mal-gholi tal-hajja – fi zmien hamest ijiem ta’ xoghol minn mindu ssir it-talba tad-depozitant. Aktar dettalji dwar dan se jinghataw aktar ’il quddiem.
L-Iskema tista’ wkoll ittawwal il-pagament b’rabta mal-bilanci mizmumin f’kontijiet inattivi. Kont inattiv hu kont li fih ma saret l-ebda tranzazzjoni tul l-24 xahar ta’ qabel (sentejn). Ghaldaqstant, jekk il-bank tieghek ikklassifika l-kont bhala inattiv, kwalunkwe bilanc fil-kont mhux se jitqies mill-Iskema hi u tahdem il-kumpens dovut. Inti tista’ tapplika mal-Iskema – aktar tard – ghal kumpens addizzjonali (jigifieri fil-limitu massimu ta’ €100,000) li jithallas ghal kwalunkwe ammont mizmum f’kont inattiv bhal dan.
Madanakollu, l-Iskema tista’ xorta tirrifjuta li thallas dan il-kumpens addizzjonali jekk il-valur tad-depozitu hu anqas mill-ispejjez amministrattivi li jirrizultaw jekk l-Iskema taghmel dan il-pagament.
Il-pagament ghal kontijiet f’isem kuratur jew fiducjarju wkoll jista’ jittawwal
9. L-Iskema kif se tkun kapaci tikkalkula l-ammont ta’ kumpens li jmissni?
Il-banek kollha se jintalbu jidentifikaw u jikklassifikaw id-depozitanti u d-depoziti kollha b’tali mod u manjiera li l-Iskema tkun tista’ tikkalkula l-ammont ta’ kumpens dovut lil kull depozitant.
Din il-klassifikazzjoni tal-informazzjoni se ssir b’mod elettroniku skont l-istandards mitluba mill-Iskema.
Il-ligi tipprovdi li l-Iskema ghandha tkun kapaci tevalwa l-mod li bih il-banek qed jikklassifikaw dawn il-kontijiet. Ghal dan il-ghan, il-ligi titlob li l-Iskema twettaq testijiet rigoruzi minn zmien ghal zmien sabiex ikun zgurat li l-banek huma konformi mal-ligi.
Kemm l-Iskema u anke l-bank huma mitluba li jittrattaw l-informazzjoni dwar id-depozitant bl-aktar mod kunfidenzjali u skont il-ligi dwar il-protezzjoni tad-data, u dan kollu bl-aktar mod rigoruz possibbli.
10. L-Iskema tkopri kumpanija kif ukoll individwi?
Kif inghad qabel, bosta mit-tipi ta’ depoziti elegibbli huma koperti, inkluz kontijiet kurrenti, fissi u tat-tifdil.
Bl-istess mod, bosta mid-depozitanti huma koperti bl-Iskema.
Kumpanija li ghandha kontijiet ma’ bank fallut, u li mhijiex eskluza milli tircievi kumpens skont kif permess mil-ligi (ara hawn taht), x’aktarx li tkun koperta bl-Iskema u hi elegibbli li tircievi kumpens skont il-massimu permissibbli ta’ €100,000.
L-Iskema mhix se tkopri depozitu f’bank fallut li jaqa’ taht kwalunkwe wahda mill-kategoriji li gejjin:
- Depoziti maghmulin minn istituzzjonijiet ohrajn ta’ kreditu f’isimhom u f’isem il-kont taghhom;
- Il-fondi li jappartjenu lill-bank;
- Depoziti li jirrizultaw minn tranzazzjonijiet li marbut maghhom kien hemm kundanna kriminali minhabba hasil ta’ flus;
- Depoziti minn istituzzjonijiet finanzjarji;
- Depoiziti minn kumpaniji ta’ investiment;
- Depoziti minn detentur li qatt ma gie identifikat;
- Depoziti minn kumpaniji tal-assigurazzjoni u minn kumpaniji ta’ riassigurazzjoni;
- Depoziti minn kumpaniji ta’ investiment kollettiv;
- Depoziti minn pensjonijiet u fondi ta’ rtirar;
- Depoziti minn awtoritajiet pubblici;
- Titoli mahruga minn istituzzjonijiet ta’ kreditu u obbligazzjonijiet li jirrizultaw minn konfermi ta’ accettazzjonijiet u kambjali;
- Depoziti mizmuma ma’ membru f’fergha ta’ dak il-membru li tinsab fi Stat mhux Membru;
- Depoziti mizmuma f’fergha f’Malta minn bank stabbilit barra miz-ZEE.
F’kaz ta’ dubju, nissuggerulek li titolb lill-bank tieghek jikkonfermalek jekk tikkwalifikax biex tinghata kumpens mill-Iskema.
11. Tkopru servizzi ta’ investiment?
Is-servizzi ta’ investiment mhumiex koperti bl-Iskema. Madanakollu, jistghu jkunu elegibbli ghal protezzjoni taht arrangamenti differenti, primarjament l-Iskema ta’ Kumpens lill-Investitur.
12. Xi jwassal biex l-Iskema tghaddi l-pagament ta’ kumpens?
Il-kumpens ma jsirx jekk il-bank illicenzjat jista’ jghaddilek id-depozitu tieghek imma qed jirrifjuta li jaghmel dan minhabba ragunijiet li m’ghandhomx x’jaqsmu mac-cirkustanzi finanzjarji mwieghra li jinsab fihom. Ghalhekk, l-Iskema mhux se tkopri dawn it-talbiet.
13. Minn fejn se ggib il-fondi l-Iskema biex thallas il-kumpens lid-depozitanti?
L-Iskema ta’ Kumpens lid-Depozitanti mhijiex kumpanija tal-assigurazzjoni. Ma tircevix fondi mill-Gvern jew minn min qed ihallas it-taxxa. L-Iskema tikseb il-fondi minn kontribuzzjonijiet kontanti u assi marbutin b’rahan maghmulin mill-banek kollha li huma llicenzjati mill-MFSA.
14. X’jigri jekk ghandi kont jew titolu kongunt, jew jekk l-azzjonijiet huma mizmumin taht kuratur?
Is-sehem ghal kull depozitant ta’ kont kongunt ghandu jitqies separatament waqt li qed jinhadem il-kumpens. Fin-nuqqas ta’ provvedimenti kuntrarji, il-kont kongunt ghandu jinqasam b’mod ugwali bejn id-depozitanti.
F’kaz li l-kumpens qed jinhadem fuq depoziti maghmulin f’kont f’isem zewg persuni jew aktar li huma msiehba f’negozju, f’assocjazzjoni jew fi grupp tal-istess natura, minghajr personalità legali, dawn ghandhom jingabru flimkien u jitqiesu daqslikieku saru minn depozitant wiehed.
F’kaz li d-depozitant mhuwiex intitolat b’mod assolut ghas-somom mizmumin f’kont u persuna ohra hi intitolata b’mod assolut ghal dawn is-somom, il-persuna li hi intitolata b’mod assolut ghandha tkun intitolata ghall-kumpens b’rabta mad-depozitu.
Fil-kaz ta’ depoziti mizmuma minn persuna li tagixxi bhala fiducjarju jew kuratur ta’ persuna wahda jew ta’ aktar persuni, id-depozitu li qed jintalab bil-klejm ghandu jitqies daqslikieku jappartjeni lis-sidien beneficjarji b’mod indaqs sakemm ma tezistix informazzjoni specifika li tista’ tiddetermina mod iehor l-interessi beneficjarji ta’ tali persuni. Hi r-responsabbiltà tal-fiducjarju jew il-kuratur sabiex jressaq quddiem l-Iskema t-taghrif dwar l-ismijiet tas-sidien beneficjarji u l-ammonti dovuti lilhom. M’hemmx dubju li dawn it-tipi ta’ kontijiet mhux se jithallsu mill-Iskema fit-terminu ta’ zmien kif indikat hawn fuq. Meta bank ifalli, l-Iskema se tistieden lid-detenturi tal-kont li qed ihaddmu dawn il-kontijiet sabiex jghaddulu lista ddettaljata tas-sidien beneficjarji ta’ dawn il-kontijiet sabiex l-Iskema tkun tista’ thallas il-kumpens li jista’ jkun dovut lil dawn is-sidien beneficjarji.
15. Jezistu xi sitwazzjonijiet partikulari fejn il-pagament tal-kumpens jinzamm jew jinghata aktar tard?
Normalment il-pagament tal-kumpens isir fiz-zmien skont kif imfisser f’mistoqsija 8 hawn fuq.
Madanakollu, jista’ jkun hemm cirkostanzi fejn l-Iskema tista’ ttawwal iz-zmien meta jithallas il-pagament tal-kumpens li jitbieghed minn dak stipulat.
Il-Bilanci Gholjin Temporanjament (ara mistoqsija 5) ma jithallsux fiz-zmien stipulat minhabba li d-depozitant irid japplika mal-Iskema sabiex jitqies ghal kwalunkwe pagament addizzjonali skont din il-kategorija ta’ pagamenti. Jekk l-Iskema hi sodisfatta li inti intitolat ghal kwalunkwe ammonti mizjuda minhabba fil-kont tieghek hemm bilanci li jikkwalifikaw ghal ammont akbar ta’ kumpens, l-Iskema tkun obbligata li thallas dan il-kumpens addizzjonali dovut fi zmien tliet xhur minn mindu tasal l-informazzjoni u d-dokumentazzjoni kollha minghand min qed iressaq il-klejm.
L-Iskema tista’ wkoll ittawwal il-pagament b’rabta mal-bilanci mizmumin f’kontijiet inattivi. Kont inattiv hu kont li fih ma saret l-ebda tranzazzjoni tul l-24 xahar ta’ qabel (sentejn). Ghaldaqstant, jekk il-bank tieghek – wara li kkuntattjak – ikklassifika l-kont bhala inattiv – kwalunkwe bilanc fil-kont mhux se jitqies mill-Iskema hi u tahdem il-kumpens dovut. Inti tista’ tapplika mal-Iskema – aktar tard – ghal kumpens addizzjonali (jigifieri fil-limitu massimu ta’ €100,000) li jithallas ghal kwalunkwe ammont mizmum f’kont inattiv bhal dan. Madanakollu, l-Iskema tista’ xorta tirrifjuta li thallas dan il-kumpens addizzjonali jekk il-valur tad-depozitu hu anqas mill-ispejjez amministrattivi li jirrizultaw jekk l-Iskema taghmel dan il-pagament.
Il-pagament ghal kontijiet f’isem kuratur jew fiducjarju wkoll jista’ jittawwal (kif imfisser f’mistoqsija 2 hawn fuq).
16. Jien depozitant f’fergha ta’ bank inkorporat f’Malta imma li tinsab fi stat membru taz-ZEE. Taht liema Skema se nkun kopert – l-Iskema f’Malta jew dik fil-pajjiz fejn tinsab il-fergha?
Ir-responsabbiltà tal-pagament tal-kumpens dovut lilek hu tal-iskema mhaddma fl-istat membru fejn sar id-depozitu. Nghidu ahna, jekk inti ghandek kont f’fergha fi Spanja ta’ bank inkorporat u llicenzjat f’Malta, l-Iskema fi Spanja hi responsabbli li thallas il-kumpens dovut lilek.
17. Jien depozitant f’fergha f’Malta ta’ bank inkorporat f’pajjiz iehor taz-ZEE. Jekk dak il-bank kellu jfalli, liema Skema se tikkumpensani ghat-telfa tieghi?
Ir-responsabbiltà tal-pagament tal-kumpens dovut lilek hu tal-Iskema mhaddma fl-istat membru fejn tinsab il-fergha, u din ghandha tghaddi dan il-kumpens fit-termini ta’ zmien skont kif imfisser hawn fuq . Nghidu ahna, jekk inti ghandek kont f’fergha f’Malta ta’ bank inkorporat u llicenzjat fil-Germanja, l-Iskema f’Malta hi responsabbli li thallas il-kumpens dovut lilek.
18. Jien depozitant f’fergha f’Malta ta’ bank stabbilit barra miz-ZEE. L-Iskema f’Malta tkopri d-depoziti tieghi?
Le, id-depoziti tieghek mhumiex koperti bl-Iskema f’Malta. Ghandek ticcekkja mal-bank tieghek dwar taht liema skema huma koperti d-depoziti tieghek, jekk jezistu. Nghidu ahna, jekk inti ghandek kont f’fergha f’Malta ta’ bank inkorporat u llicenzjat fit-Turkija, l-Iskema f’Malta mhijiex responsabbli lejk u ghandek ticcekkja mal-bank tieghek jekk intix protett bi skema li tixbah lil dik f’Malta.
19. Jien depozitant f’fergha ta’ bank stabbilit f’Malta li tinsab barra miz-ZEE? L-Iskema f’Malta tkopri d-depoziti tieghi?
Le, id-depoziti tieghek mhumiex koperti bl-Iskema f’Malta. Ghandek ticcekkja mal-bank tieghek dwar taht liema skema huma koperti d-depoziti tieghek, jekk jezistu. Nghidu ahna, jekk inti ghandek kont f’fergha fl-Istati Uniti ta’ bank inkorporat u llicenzjat f’Malta, l-Iskema f’Malta mhijiex responsabbli lejk u ghandek ticcekkja mal-bank tieghek jekk intix protett bi skema simili fil-pajjiz fejn tinsab il-fergha tieghek.
20. X’inhuma d-drittijiet tieghi jekk nirrifjuta li naccetta decizjoni mehuda mill-Iskema fir-rigward tieghi?
Id-drittijiet legali tieghek mhux se jkunu pregudikati jekk l-Iskema ma jirnexxilhiex thallsek fiz-zmien stipulat hawn fuq, jew jekk tirrifjuta li taccetta decizjoni mehuda mill-Iskema fir-rigward tieghek. Importanti li tinnota li z-zmien li matulu tista’ tressaq talba ghal rikumpens jaf ikun preskritt wara certu limitu ta’ zmien. Nghidu ahna, jekk iddum ma taghmel klejm b’aktar minn sentejn sabiex tinghata kumpens addizzjonali skont kif imfisser hawn fuq (jigifieri sa €500,000), se titlef id-dritt tieghek li tinghata dan il-kumpens addizzjonali.
U l-ahhar haga ...
Sabiex tircievi l-kumpens ikollok bzonn tiffirma xi stqarrijiet li jinkludu surroga favur l-Iskema. Is-surroga taghti d-dritt sabiex jingabru l-ammonti li nkunu hallasniek, f’kaz li l-istituzzjoni falluta jkun ghad fadlilha xi flus jew assi. Is-surroga tippermettilna wkoll sabiex nitolbu l-flus lura minn persuni ohrajn li jistghu jkunu responsabbli ghat-telf li sofrejt.