|Country (Currency)||Deposit Rate||Max. Protected Amount||Deposit Rating|
|Poland (PLN)||1.74%||100,000 EUR||Aa3|
|Romania (RON)||1.54%||100,000 EUR||A3|
|Czech Republic (CZK)||1.36%||100,000 EUR||Aa2|
|Netherlands (EUR)||1.22%||100,000 EUR||Aaa|
|Slovakia (EUR)||1.18%||100,000 EUR||Aaa|
|United Kingdom (GBP)||1.11%||85,000 GBP||Aaa|
|France (EUR)||1.10%||100,000 EUR||Aaa|
|2||Kreditanstalt für Wiederaufbau||Germany||AAA||Aaa||AAA/Aaa|
|4||Landeskreditbank Baden-Württemberg - Förderbank -||Germany||AAA||Aaa||AAA/Aaa|
|5||LfA Förderbank Bayern||Germany||-||Aaa||-/Aaa|
|7||BNG Bank NV||Netherlands||-||Aaa||-/Aaa|
Cooperative banks in Romania operate as regional universal banks, providing a broad range of retail banking products and services to local individulas, self-employed professionals and business entities.
Electronic money is a relatively new payment instrument, emerged with the progress in technology. Electronic money's popularity has been driven by a number of factors including growing complications in opening current accounts and getting payment cards from traditional retail banks, changes in the population's social structure, and evolution of the Internet into a digital workplace.