What does “Einlagensicherung” mean in German?

The clip asks what happens to your money if your bank goes under. The calm answer: “Die sind von der sogenannten Einlagensicherung gesichert.” If you have under €100,000 in your accounts, that money is protected — and across the whole EU. Einlagensicherung joins “Einlage” (the money you deposit) with “Sicherung” (protection), so it literally means deposit protection: a safety net that pays you back, usually within about seven days.

Spoken line: “Die sind von der sogenannten Einlagensicherung gesichert.” = “They are protected by the so-called deposit protection.” Here “die” points to the money in your everyday, instant-access and fixed-term accounts. More examples: “Mein Sparkonto fällt unter die Einlagensicherung.” (My savings account is covered by deposit protection.) “Die Einlagensicherung greift bis 100.000 Euro pro Person.” (Deposit protection applies up to €100,000 per person.) “Gilt die Einlagensicherung auch im Ausland?” (Does deposit protection also apply abroad?) Usage: it is one compound word, often paired with “gesichert” (protected) or “greifen” (to kick in / apply). You will mostly hear it in news and finance talk, not in casual chat.