Is money that I hold with providers like Revolut, N26 or Wise covered?

It will depend on which product you hold with which provider as to whether it is covered or not. If you are using such services (e.g. to transfer money between the UK and Austria) that are operated by them as an electronic money institution, then your money will not be covered if left in the […]

I/We have accounts at banks in the UK. What is the situation there?

For information about the UK, see:

We hold a joint account. How is this covered by deposit insurance?

The basic rule is a maximum coverage € 100,000 per customer at a bank. If you hold a joint account, you are considered as two customers and therefore the limit would be 2 x € 100,000. Banks may introduce terms about to whom the money is attributed to in the case of a pay-out event […]

Are foreigners also covered by deposit insurance?

Yes. Austrian citizens and foreigners holding accounts with a bank are treated in the same way.