🧭 Overview
Yes, your money is protected when you use Accountable Banking.
All funds in your Accountable Banking account are held with Swan, a licensed and regulated banking partner based in France. This means your money benefits from the French deposit guarantee scheme.
How is my money protected?
Your funds are held in accounts provided by Swan, a regulated financial institution.
Accountable does not and cannot invest, lend, or use your money in any way.
Your balance is kept separate and safeguarded in accordance with banking regulations.
What happens if Accountable goes bankrupt?
In the unlikely event that Accountable were to go bankrupt:
Your money would remain safe and untouched.
All Accountable Banking accounts powered by Swan would continue to exist.
Your funds would be protected up to €100,000 per customer under the French Deposit Guarantee Scheme (Fonds de Garantie des Dépôts et de Résolution – FGDR).
This protection applies exactly as it does with traditional banks.
Why does the French deposit guarantee apply?
Because Swan is a French-licensed banking institution, all eligible deposits are covered by French law.
This is independent of Accountable as a company and applies solely based on where and how your money is held.
What does this mean for you?
✅ Your money is stored with a regulated banking partner
✅ Your funds are legally protected up to €100,000
✅ Accountable cannot access or use your money
✅ Even in extreme scenarios, your balance remains safe
Still have questions?
If you’d like to learn more about how Accountable Banking works or how your funds are protected, feel free to reach out! we’re happy to help.