The limit on Guernsey's Deposit Compensation Scheme will not be increased in line with the UK and other European Union member states.
The Commerce and Employment Department said the maximum payout would remain at £50,000 of savings per person.
For five years from 2011 the UK's limit will rise to £85,000, which was decided on as a fixed equivalent to the 100,000 euro limit introduced across Europe.
The department said it had no plans to follow suit.
It said it monitored international developments in the area, but when making any decision it had to be remembered that Guernsey's banking industry was significantly different to those in the UK and elsewhere in the EU.
The schemes are designed to compensate savers if a bank ceases trading, or in the event of its insolvency.