Yes, your money is protected when you use Accountable Banking.
All funds in your Accountable Banking account are held with Swan, a licensed and regulated banking partner based in France. This means your money benefits from the French deposit guarantee scheme.
Your funds are held in accounts provided by Swan, a regulated financial institution.
Accountable does not and cannot invest, lend, or use your money in any way.
Your balance is kept separate and safeguarded in accordance with banking regulations.
In the unlikely event that Accountable were to go bankrupt:
Your money would remain safe and untouched.
All Accountable Banking accounts powered by Swan would continue to exist.
Your funds would be protected up to €100,000 per customer under the French Deposit Guarantee Scheme (Fonds de Garantie des Dépôts et de Résolution – FGDR).
This protection applies exactly as it does with traditional banks.
Because Swan is a French-licensed banking institution, all eligible deposits are covered by French law.
This is independent of Accountable as a company and applies solely based on where and how your money is held.
✅ Your money is stored with a regulated banking partner
✅ Your funds are legally protected up to €100,000
✅ Accountable cannot access or use your money
✅ Even in extreme scenarios, your balance remains safe
If you’d like to learn more about how Accountable Banking works or how your funds are protected, feel free to reach out! we’re happy to help.
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Author - Sophia Merzbach
Sophia has been a key member of the Accountable team for many years, bringing a unique blend of journalistic precision and in-depth tax expertise to her work.
Who is Sophia ?Thank you for your feedback!
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Read moreThey always answer right away to any question I have, they provide clear answers, and they are very patient even when I struggle to understand. They try to explain in different ways. They are very helpful, responsive and friendly.
Chiara Marradi
10/05/2026
This is an amazing application with great support on issues. In short as in day I am addicted to it (in a positive way). I myself is from IT project management and the way they have captured the user requirement, it’s phenomenal.
Sumit Tewary
01/12/2024
UI is great. Feature packed and very easy to use. The team at Accountable were VERY quick to respond and their team of technicians soon had a fix in place. Very happy with the level of service so far. Thumbs up from me!
Dean Osborne
05/06/2023
Everything was great! All my questions were answered quickly and in a friendly manner.
Wenzeslawa Wegener
11/05/2026
This program is a lifesaver, and it is always improving. Plus, it has an AI chat feature that is actually useful.
Jeffrey Humble
12/01/2026
The coaching session on tax management was excellent, good material, excellent explanations and very insightful. Combined with the AI I never feel alone with Accountable.
Sergio Barbarino
13/04/2026
The availability of your team to help and guide people to understand their finances better is what really makes Accountable valuable. While the AI is able to give answers to most basic questions, specific scenarios need counsel from a human which your team performs beautifully.
Norma
06/04/2026
Fast and careful answers from Alina. Top service. Thank you.
Anonymous
06/04/2026
In the world where everyone seems to be out to get small entrepreneurs and overwhelm them with new rules, more taxes and reporting obligations, Accountable often feels like the one steady partner that actually wants you to succeed, providing quick, clear and personalised support. Thank you!
Janina Arsenjeva
10/04/2026
They always answer for questions wherever is via direct e-mail or through app. If they can’t answer fully they will forward you to the right place. Documents were always prepared well and ready to send further to government. Everything is intuitive in the app and easy to sort out even for someone completely green in this field.
Anonymous
12/03/2026
