Deposits with branches of foreign, non EU-member states, banks are also covered by BDIF, provided that the home country of such a bank does not have a deposit insurance scheme, the scheme does not apply to foreign banks’ branches or it provides a level or scope of coverage, which is less than that insured by the BDIF. Deposits with branches of EU-member states’ banks are guaranteed by the respective deposit guarantee scheme of the home country, and are thus not covered by BDIF.