Abstract: The invention relates to a restraint system for securing a user on a watercraft, on which the user at least partially rests. The restraint system has a belt strap (14) which is passed around the body of the user (10). Furthermore, the restraint system has two stepped straps (22a, 22b) which are fitted onto the belt strap (14) on the one hand in the area (18) of the stomach of the user and on the other hand in the area (20) of the back of the user and are each passed through the step of the user (10). A connecting strap (26), one end (28) of which acts on the belt strap (14) in the area (18) of the stomach of the user (10), can be fitted at its other end (30) to the water-craft. Furthermore, the invention relates to a watercraft having a belt system such as this.