€100,000 cover if a bank fails RESEARCH from the UK’s Financial Services Compensation Scheme (FSCS) found that four out of five savers did not know how or if their deposits and investments were protected. In today’s world it is more than ever a case of caveat emptor. It is vital to exercise diligence over where and how we hold cash deposits and investment assets. When you are aware of the limits of regulatory or government protection, you can allocate deposits and other assets with the maximum available level of security.