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Under the FCS, if you have up to $250,000 in your savings account, you will receive all of that money back in the event that the bank collapses (provided that your bank is on this list of ADIs). However, if you have more than $250,000 in deposits with the one bank you won’t be guaranteed to get it all back.
For example, if Cash D. Up had $460,000 in his savings account, he is guaranteed to get $250,000 back but he could lose the remaining $210,000 if banking Armageddon happened.
The scheme is capped at one person per financial institution, but you can get the guarantee with as many financial institutions as you like. So theoretically, old mate Cash D. Up could put $250,000 with Bank A and the remaining $210,000 with Bank B and be 100% guaranteed for both amounts.
It’s worth noting that multiple banks may be under the same ADI. So if you have $250,000 with Bank A and $250,000 with Bank B but they’re both under the same ADI, then you will only be guaranteed for the first $250,000 - not $500,000.
It’s also important to note that in the case of joint bank accounts, the $250,000 guarantee individually applies to each account holder. So if Gir and Tede share a joint account with $500,000 in it, Gir and Tede would both be individually guaranteed up to $250,000 of their share.
政府担保同一个银行机构下，每个帐号的25万，超过部分不受保护，
如果有50万就存在不同的2个银行每个银行各25万，或者在同一个银行用2人的联名帐号开户也受保护（每人可以有25万） |
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我的婆婆 (2008-4-14) lesli1109 
楼主:LGM
发表于 2020-4-19 00:37
