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Depositor Compensation Scheme
Depositor Compensation Scheme

Depositor Compensation Scheme

The Depositor Compensation Scheme (DCS) will come into effect on 1 July 2025

What is the Depositor Compensation Scheme (DCS)?

The Depositor Compensation Scheme (DCS) will cover each eligible depositor up to $100,000 per deposit taker in the unlikely event of a failure, when money is held in DCS-protected accounts.

The Reserve Bank of New Zealand (RBNZ) has a helpful explainer on its website - visit www.rbnz.govt.nz/dcs. The website also provides explainers in other languages (www.rbnz.govt.nz/dcs/information-in-other-languages)

Why is the Depositor Compensation Scheme (DCS) being introduced? The DCS is a government scheme funded by deposit takers and administered by the RBNZ. It’s designed to strengthen trust and security in New Zealand’s financial system.  Many other parts of the world offer similar protection to depositors.

Which deposit taker offer DCS-protected deposits?

Refer to the RBNZ website for a full list of banks and non-bank deposit takers that provide DCS-protected deposits (www.rbnz.govt.nz/regulation-and-supervision/cross-sector-oversight/registers-of-entities-we-regulate/deposit-takers-that-offer-dcs-protected-deposits).  Note:  Overseas branches are excluded from this coverage.  

Eligible deposits held with CCB NZ Limited (CCB NZL) are covered under this scheme.  Deposits held with CCB New Zealand Branch, being an overseas branch, are excluded from this coverage.

What is covered and  not covered under the Deposit Taker Scheme?

Your money is automatically protected if it is in a DCS-protected account, such as:

- Transaction accounts
- Savings and notice accounts
- Term deposits

Some money is not protected by the DCS, including money held in  including money held in:

- Bonds and other tradable products,
- KiwiSaver, other superannuation schemes that are managed investment schemes,
- Foreign currency accounts

Please also note that a small number of depositors, such as government agencies are not eligible under the DCS.

Which CCB NZL accounts will be covered by the Depositor Compensation Scheme?

In the unlikely event CCB New Zealand Limited was to fail, the following products and accounts would be covered by the DCS, up to a total of $100,000 per depositor.

Client Segment CCBNZL DCS-protected Accounts
Personal

All New Zealand dollar:

- Current and demand deposit accounts
- Savings accounts
- Fixed-term deposit and Time-deposit accounts
Business/ Corporate

All New Zealand dollar:

- Current and demand deposit accounts
- Savings accounts
- Fixed-term deposit and Time-deposit accounts

What do you need to do to be covered under the DCS? There is nothing you need to do. Once the DCS comes into effect on 1 July 2025, any money you have in the  DCS-protected accounts will be automatically protected, up to NZ$100,000 per depositor in the unlikely event of a failure.

How to find out more? For more information, please refer to the Depositor Compensation Scheme available on the RBNZ website (www.rbnz.govt.nz/dcs).