{"id":18455,"date":"2025-04-11T14:07:07","date_gmt":"2025-04-11T12:07:07","guid":{"rendered":"https:\/\/bfg.pl\/?post_type=faq&#038;p=18455"},"modified":"2026-03-16T11:29:17","modified_gmt":"2026-03-16T10:29:17","slug":"whose-deposits-are-not-covered","status":"publish","type":"faq","link":"https:\/\/bfg.pl\/en\/faq\/whose-deposits-are-not-covered\/","title":{"rendered":"\u00a0Which deposits are excluded from coverage?"},"content":{"rendered":"<p>In the event of banks and cooperative savings and credit unions, the BFG guarantee does not cover funds deposited by:<\/p>\n<ul>\n<li>the State Treasury,<\/li>\n<li>Narodowy Bank Polski (National Bank of Poland),<\/li>\n<li>banks, foreign banks and credit institutions within the meaning of the Act \u2013 Banking Law<\/li>\n<li>cooperative savings and credit unions and the National Association of Cooperative Savings and Credit Unions,<\/li>\n<li>the Bank Guarantee Fund,<\/li>\n<li>financial institutions within the meaning of Regulation 575\/2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648\/2012,<\/li>\n<li>investment firms within the meaning of Regulation 575\/2013 and \u2027recognised third-country investment firms referred to in Article 4 paragraph 1 point 25 of the said Regulation,<\/li>\n<li>persons and bodies unidentified by a bank or a cooperative savings and credit union, as the case may be,<\/li>\n<li>domestic and foreign insurance undertakings, as well as domestic and foreign insurance and reinsurance undertakings referred to in the Act on the Business of Insurance and Reinsurance,<\/li>\n<li>investment funds, investment fund companies, foreign funds, managing companies and branches of investment companies referred to in the Act on Investment Funds and Management of Alternative Investment Funds,<\/li>\n<li>open pension funds, employee pension funds, general pension societies and employee pension societies referred to in the Act on the Organisation and Operation of Pension Funds<\/li>\n<li>local government units,<\/li>\n<li>public authorities of any other Member State or of a third country, in particular, central governments, regional and local government units of these countries.<\/li>\n<\/ul>\n","protected":false},"template":"","format":"standard","class_list":["post-18455","faq","type-faq","status-publish","format-standard","hentry"],"acf":[],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/bfg.pl\/en\/faq\/whose-deposits-are-not-covered\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/faq\\\/whose-deposits-are-not-covered\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/bfg.pl\\\/en\\\/\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/faq\\\/whose-deposits-are-not-covered\\\/#listItem\",\"name\":\"\\u00a0Which deposits are excluded from coverage?\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/faq\\\/whose-deposits-are-not-covered\\\/#listItem\",\"position\":2,\"name\":\"\\u00a0Which deposits are excluded from coverage?\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/#listItem\",\"name\":\"Home\"}}]},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/#organization\",\"name\":\"Bankowy Fundusz Gwarancyjny\",\"description\":\"Bankowy Fundusz Gwarancyjny\",\"url\":\"https:\\\/\\\/bfg.pl\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/bfg.nfinity.pl\\\/wp-content\\\/uploads\\\/bfg-logo.png\",\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/faq\\\/whose-deposits-are-not-covered\\\/#organizationLogo\"},\"image\":{\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/faq\\\/whose-deposits-are-not-covered\\\/#organizationLogo\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/bfg.pl\\\/en\\\/faq\\\/whose-deposits-are-not-covered\\\/#webpage\",\"url\":\"https:\\\/\\\/bfg.pl\\\/en\\\/faq\\\/whose-deposits-are-not-covered\\\/\",\"name\":\"Which deposits are excluded from coverage? 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