Money is needed for the functioning of the modern economy. It’s hard to imagine a State not using money or his substitute on the market. On the other hand, today there are no tangible guarantees of values. The whole world created paper money and more frequently this is virtual money only. The volume and the shape of just created financial instruments has only limits in mind creativity. Th e intention of instruments is to prepare a product for the needs of the user. This study aims at showing how in a world of fi nancial innovation is changing thesafety of the banking system. Working hypothesis says that by the time the fi nancial crisis from the end of the fi rst decade of the 21st century, the world banking system did not include instruments, which would guarantee the safety of the system. During the crisis on the financial markets it was necessary to subsidize banks huge amounts, and in some cases there have been bank bancrupcies, mergers and aqusitions. As a result, there has been a change in the pattern of the banking system. It stemmed from the wrong instruments applicable to the assessment of the safety of banks, which resulted in the failure of capital requirements.