2.

Other retail deposits shall be subject to higher outflow rates, as determined by the credit institution, in accordance with paragraph 3, where the following conditions are met: the total deposit balance, including all the client's deposit accounts at that credit institution or group, exceeds EUR 500000; the deposit is an internet only account; the deposit offers an interest rate that fulfils any of the following conditions: the rate significantly exceeds the average rate for similar retail products; its return is derived from the return on a market index or set of indices; its return is derived from any market variable other than a floating interest rate; the deposit was originally placed as fixed-term with an expiry date maturing within the 30 calendar day period or the deposit presents a fixed notice period shorter than 30 calendar days, in accordance with contractual arrangements, other than those deposits that qualify for the treatment provided for in paragraph 4; for credit institutions established in the Union, the depositor is resident in a third country or the deposit is denominated in a currency other than the euro or the domestic currency of a Member State. For credit institutions or branches in third countries, the depositor is a non-resident in the third country or the deposit is denominated in another currency than the domestic currency of the third country;

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Source: EUR-Lex (Cellar) · retrieved 2026-11-06 · Text as adopted (Official Journal); later amendments are not incorporated in this text.