RaboDirect and banks going bust/sovereign default?

Say the banks in Ireland go bust. You have your savings in Rabo. How do you access your savings as you don’t want to transfer the money to a bank that won’t give you the money?

Also in the case of a sovereign default(not leaving the euro though), again how do you get your cash? Or is this question moot as the account would be frozen? The Rabo terms and conditions are such that it appears they can almost do what they like to prevent you getting at your money!

PS Thinking of opening a Rabo account(did you guess? :laughing: )

Thanks in advance