Gov. Guarantee on Bank A/Cs

I have a couple of savings accounts in the same institution. (BOI). The two total in excess €180,000. One account is a savings bond well in excess of the 100k. Should I split this account and if so do I have to shift it to another bank.
One thing, both accounts and in joint names. Does this make a differance.

How is this a Great Financial Debate!?! And the issue of the revised deposit guarantee scheme is discussed at length in a number of other existing threads already.

Thread closed.