Objective of the Guarantee Fund


  • The objective of the Fund is to guarantee protection of funds of depositors, investors, unit-holders and policyholders of mandatory funded pensions, and thereby to increase the reliability and stability of the financial sector.


Legal acts regulating the activities of the Guarantee Fund

  • Guarantee Fund Act
  • Statutes of the Guarantee Fund
  • Decrees of Eesti Pank (Bank of Estonia)
  • Decrees of Ministry of Finance
  • Directives of European Union



 Finantsinspektsioon press release about the withdrawal of the operating licence from AS KIT Finance Europe.

AS KIT Finance Europe (KIT) will continue to return assets to its clients after its licence has been withdrawn. Any questions from clients of KIT should be addressed directly to KIT.


Compensation for deposits

Deposits shall be guaranteed and compensated for to the extent of 100 per cent but not more than in the amount of 100 000 euro per depositor in any one credit institution. More


Compensation for investments

Investments shall be guaranteed and compensated to the extent of 100 per cent but not more than in the amount of  20 000 euro per investor in any one investment institution. More


Compensation of losses caused to the unit-holders of a mandatory pension fund

A unit-holder shall be compensated in full for loss in the amount of up to 10 000 euro. Any loss exceeding 10 000 euro shall be compensated for to the extent of 90 per cent. More


Supporting the transfer of insurance contracts for a mandatory funded pension

The obligations arising from insurance contracts shall be supported in full to the extent of monthly funded pension payments up to 128,45 euro. The amount which exceeds the national pension rate shall be guaranteed for to the extent of 90 per cent. More