Finally, Kiwis Get Some Deposit Protection!

Digital Finance Analytics (DFA) Blog

Jul 02 2025 | 00:11:23

00:00 / 00:11:23

Show Notes

New Zealand had been an anomaly for some time in that in had introduced the clearest Deposit Bail-in scheme in the world, via the Open Banking Resolution (OBR) which in the case of a bank failure, OBR allows a portion of depositors’ funds to be temporarily frozen and used to recapitalize the bank, while the bank reopens the next business day; OBR is primarily a stabilisation tool that helps buy time to identify a long-term solution. But there was no deposit protection for individuals or businesses, making New Zealand in weird outlier until now. Australia has has a $250k scheme […]

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