> 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/mifid-ii/structured-deposit.md).

# structured deposit

Definition of structured deposit from Directive 2014/65/EU, Article 4(1), point (43).

|                  |                                            |
| ---------------- | ------------------------------------------ |
| **Defined term** | structured deposit                         |
| **Source**       | MiFID II                                   |
| **Reference**    | Article 4(1), point (43)                   |
| **Status**       | Published                                  |
| **Refresh rule** | Regenerate after source legal-text changes |

## Definition

> (43) '[structured deposit](/definitions/mica/structured-deposit.md)' means a deposit as defined in point (3) of Article 2(1) of Directive 2014/49/EU of the European Parliament and of the Council, which is fully repayable at maturity on terms under which interest or a premium will be paid or is at risk, according to a formula involving factors such as:
>
> (a) an index or combination of indices, excluding variable rate deposits whose return is directly linked to an interest rate index such as Euribor or Libor;
>
> (b) a [financial instrument](/definitions/mica/financial-instrument.md) or combination of financial instruments;
>
> (c) a commodity or combination of commodities or other physical or non-physical non-fungible assets; or
>
> (d) a foreign exchange rate or combination of foreign exchange rates;

## Source

[MiFID II, Article 4(1), point (43)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A02014L0065-20260606).

## Referenced Definitions

DGSD, Article 2(1), point (3):

> (3) '[deposit](/definitions/dgsd/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;

[Open deposit definition page](/definitions/dgsd/deposit.md)

## Used In MiCA

* [Article 2](https://headlesslaw.com/rulebooks/mica/articles/2/)


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