The Icelandic Depositors’ and Investors’ Guarantee Fund (TIF) is a private foundation operating pursuant to Act No. 98/1999. The objective of the Act is to guarantee a minimum level of protection to depositors in commercial banks and savings banks, and to customers of companies engaging in securities trading pursuant to law, in the event of difficulties of a given company in meeting its obligations to its customers according to the provisions of the Act. 

Commercial banks, savings banks, companies providing investment services, and other parties engaging in securities trading pursuant to law and established in Iceland, shall be members of the Fund. The same applies to any branches of such parties within the European Economic Area. Such Member Companies shall not be liable for any commitments entered into by the Fund beyond their statutory contributions to it.

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List of membership companies


The Fund is under surveilance of the Icelandic Financial Supervisory Authority, FME.

Managing Director is Brynjar Kristjansson.