> For the complete documentation index, see [llms.txt](https://www.mica.wtf/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.mica.wtf/definitions/dgsd/deposit.md).

# deposit

Definition of deposit from Directive 2014/49/EU, Article 2(1), point (3).

|                  |                                            |
| ---------------- | ------------------------------------------ |
| **Defined term** | deposit                                    |
| **Source**       | DGSD                                       |
| **Reference**    | Article 2(1), point (3)                    |
| **Status**       | Published                                  |
| **Refresh rule** | Regenerate after source legal-text changes |

## Definition

> (3) '[deposit](/definitions/mica/deposit.md)' means a credit balance which results from [funds](/definitions/mica/funds.md) left in an account or from temporary situations deriving from normal banking transactions and which a [credit institution](/definitions/crr/credit-institution.md) is required to repay under the legal and contractual conditions applicable, including a fixed-term deposit and a savings deposit, but excluding a credit balance where: (a) its existence can only be proven by a [financial instrument](/definitions/mica/financial-instrument.md) as defined in Article 4(17) of Directive 2004/39/EC, unless it is a savings product which is evidenced by a certificate of deposit made out to a named person and which exists in a Member State on 2 July 2014; (b) its principal is not repayable at par; (c) its principal is only repayable at par under a particular guarantee or agreement provided by the credit institution or a third party;

## Source

[DGSD, Article 2(1), point (3)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A02014L0049-20140702).

## Used In MiCA

* [Article 2](https://headlesslaw.com/rulebooks/mica/articles/2/)
* [Article 6](https://headlesslaw.com/rulebooks/mica/articles/6/)
* [Article 19](https://headlesslaw.com/rulebooks/mica/articles/19/)
* [Article 36](https://headlesslaw.com/rulebooks/mica/articles/36/)
* [Article 45](https://headlesslaw.com/rulebooks/mica/articles/45/)
* [Article 51](https://headlesslaw.com/rulebooks/mica/articles/51/)
* [Article 81](https://headlesslaw.com/rulebooks/mica/articles/81/)


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