{"id":18575,"date":"2025-04-16T10:44:27","date_gmt":"2025-04-16T08:44:27","guid":{"rendered":"https:\/\/bfg.pl\/bfg-home-page\/"},"modified":"2026-03-18T09:40:28","modified_gmt":"2026-03-18T08:40:28","slug":"bfg-home-page","status":"publish","type":"page","link":"https:\/\/bfg.pl\/en\/","title":{"rendered":"Home page"},"content":{"rendered":"<div id=\"home-banner-block_ca951b094d36ccb45f69ca1c6813a6d0\"\r\n  class=\"home-banner  \">\r\n  <!-- HOME-BANNER -->\r\n    <div class=\"banner\">\r\n\r\n    <img decoding=\"async\" src=\"https:\/\/bfg.pl\/wp-content\/uploads\/Latarnia_BFG_hero_1920_B.webp\" alt=\"\">\r\n    <div class=\"container\">\r\n            <div class=\"caption\">\r\n        <h2>We protect eligible deposits <br \/>\r\nheld with banks and cooperative savings and credit unions <br \/>\r\nup to \u20ac100,000 per depositor, per institution<\/h2>\r\n      <\/div>\r\n          <\/div>\r\n  <\/div>\r\n    <!-- \/HOME-BANNER -->\r\n<\/div>\r\n\r\n\n\n<div id=\"wazne-informacjeblock_059968f168146e7208435ec59049fc92\" class=\"wazne-informacje-block hideblock \">\n  <!-- WAZNE-INFORMACJE -->\n  <div class=\"blue_bg\">\n    <div class=\"container\">\n      <div class=\"row\">\n                <div class=\"col-xxl-7 col-xl-7 col-lg-6 col-md-12 col-sm-12\">\n\n                    <div class=\"funds_ico\"><img decoding=\"async\" src=\"https:\/\/bfg.pl\/wp-content\/uploads\/icon_funds.svg\" alt=\"\"><\/div>\n          \n                    <h2>Payment of guaranteed funds for ABCD Bank customers is ongoing<\/h2>\n                    <div class=\"funds_text\"><p>14\/01\/2025 Lorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse vel hendrerit dolor. Sed euismod lobortis urna eget imperdiet. Donec ut egestas nisi, non condimentum quam. Praesent eget leo eu eros sagittis facilisis. Phasellus non ex purus. Donec tincidunt lacinia dui vitae rutrum. Integer at lacus nec libero varius dignissim nec non eros<\/p>\n<\/div>\n                    <a href=\"https:\/\/bfg.pl\/o-nas\/\" class=\"but_yellow_white\">Watch the video<\/a>\n                  <\/div>\n                <div class=\"col-xxl-5 col-xl-5 col-lg-6 col-md-12 col-sm-12\">\n          <div class=\"fund_img\"><img decoding=\"async\" src=\"https:\/\/bfg.pl\/wp-content\/uploads\/img_fund-564x417.png\" alt=\"\" class=\"img_all\"><\/div>\n        <\/div>\n                              <\/div>\n    <\/div>\n  <\/div>\n\n    <div class=\"height_70\"><\/div>\n\n\n    <!-- \/WAZNE-INFORMACJE -->\n\n<\/div>\n\n\n\n\n\n<div id=\"wazne-linkiblock_aedf6ac6a2aef86b45140e9c169c8946\"\r\n  class=\"wazne-linki  \">\r\n  <!-- WAZNE-LINKI -->\r\n\r\n  <div class=\"tabs_sec\"  >\r\n    <div class=\"container\">\r\n      <ul class=\"nav nav-tabs d-none d-lg-flex\" id=\"myTab3438\" role=\"tablist\">\r\n                <li class=\"nav-item mb-4 main_sec\" role=\"presentation\">\r\n          <button class=\"nav-link main_sec_box\" id=\"imp-link-3438-0\" data-bs-toggle=\"tab\"\r\n            data-bs-target=\"#imp-link-pane-3438-0\" type=\"button\" role=\"tab\"\r\n            aria-controls=\"imp-link-pane-3438-0\"\r\n            aria-selected=\"true\">Which deposits are covered?<\/button>\r\n        <\/li>\r\n                <li class=\"nav-item mb-4 main_sec\" role=\"presentation\">\r\n          <button class=\"nav-link main_sec_box\" id=\"imp-link-3438-1\" data-bs-toggle=\"tab\"\r\n            data-bs-target=\"#imp-link-pane-3438-1\" type=\"button\" role=\"tab\"\r\n            aria-controls=\"imp-link-pane-3438-1\"\r\n            aria-selected=\"true\">Who are eligible depositors?<\/button>\r\n        <\/li>\r\n                <li class=\"nav-item mb-4 main_sec\" role=\"presentation\">\r\n          <button class=\"nav-link main_sec_box\" id=\"imp-link-3438-2\" data-bs-toggle=\"tab\"\r\n            data-bs-target=\"#imp-link-pane-3438-2\" type=\"button\" role=\"tab\"\r\n            aria-controls=\"imp-link-pane-3438-2\"\r\n            aria-selected=\"true\">Which institutions are covered?<\/button>\r\n        <\/li>\r\n                <li class=\"nav-item mb-4 main_sec\" role=\"presentation\">\r\n          <button class=\"nav-link main_sec_box\" id=\"imp-link-3438-3\" data-bs-toggle=\"tab\"\r\n            data-bs-target=\"#imp-link-pane-3438-3\" type=\"button\" role=\"tab\"\r\n            aria-controls=\"imp-link-pane-3438-3\"\r\n            aria-selected=\"true\">Repayment of covered deposits<\/button>\r\n        <\/li>\r\n              <\/ul>\r\n      <div class=\"tab-content accordion\" id=\"myTabContent3438\">\r\n                <div class=\"tab-pane fade accordion-item\" id=\"imp-link-pane-3438-0\"\r\n          role=\"tabpanel\" aria-labelledby=\"imp-link-3438-0\" tabindex=\"0\">\r\n\r\n          <h2 class=\"accordion-header d-lg-none\" id=\"heading-3438-0\">\r\n            <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-3438-0\"\r\n              aria-expanded=\"true\" aria-controls=\"collapse-3438-0\">Which deposits are covered?<\/button>\r\n          <\/h2>\r\n          <div id=\"collapse-3438-0\" class=\"accordion-collapse collapse d-lg-block\" aria-labelledby=\"heading-3438-0\"\r\n            data-bs-parent=\"#myTabContent\">\r\n            <div class=\"accordion-body\"><p>We protect eligible deposits held in accounts with banks and cooperative savings and credit unions (in PLN and foreign currencies) where you are the account holder.<\/p>\n<p>Eligible deposits up to \u20ac100,000 are fully covered by our scheme.<\/p>\n<p>Find out more: <a href=\"https:\/\/bfg.pl\/en\/for-depositors\/deposit-guarantee-principles\/\"><u>https:\/\/bfg.pl\/en\/for-depositors\/deposit-guarantee-principles\/<\/u><\/a><\/p>\n<\/div>\r\n          <\/div>\r\n        <\/div>\r\n                <div class=\"tab-pane fade accordion-item\" id=\"imp-link-pane-3438-1\"\r\n          role=\"tabpanel\" aria-labelledby=\"imp-link-3438-1\" tabindex=\"0\">\r\n\r\n          <h2 class=\"accordion-header d-lg-none\" id=\"heading-3438-1\">\r\n            <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-3438-1\"\r\n              aria-expanded=\"true\" aria-controls=\"collapse-3438-1\">Who are eligible depositors?<\/button>\r\n          <\/h2>\r\n          <div id=\"collapse-3438-1\" class=\"accordion-collapse collapse d-lg-block\" aria-labelledby=\"heading-3438-1\"\r\n            data-bs-parent=\"#myTabContent\">\r\n            <div class=\"accordion-body\"><p>The guarantee covers natural persons and, in the case of banks or foreign bank branches legal entities, non-legal entities granted legal capacity by law, school savings unions, employee loan and relief funds, parent councils.<\/p>\n<p>In the case of credit unions NGOs (as per the Public Benefit and Volunteer Work Act), church or religious union entities with legal personality, cooperatives, trade unions, housing associations.<\/p>\n<\/div>\r\n          <\/div>\r\n        <\/div>\r\n                <div class=\"tab-pane fade accordion-item\" id=\"imp-link-pane-3438-2\"\r\n          role=\"tabpanel\" aria-labelledby=\"imp-link-3438-2\" tabindex=\"0\">\r\n\r\n          <h2 class=\"accordion-header d-lg-none\" id=\"heading-3438-2\">\r\n            <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-3438-2\"\r\n              aria-expanded=\"true\" aria-controls=\"collapse-3438-2\">Which institutions are covered?<\/button>\r\n          <\/h2>\r\n          <div id=\"collapse-3438-2\" class=\"accordion-collapse collapse d-lg-block\" aria-labelledby=\"heading-3438-2\"\r\n            data-bs-parent=\"#myTabContent\">\r\n            <div class=\"accordion-body\"><p>Our deposit guarantee scheme covers deposits held with:<\/p>\n<ul>\n<li>Credit institutions authorised in Poland (except Bank Gospodarstwa Krajowego and mortgage banks)<\/li>\n<li>Cooperative credit unions (SKOK)<\/li>\n<li>Branches of non-EU credit institutions, unless covered by an equivalent scheme in their home country<\/li>\n<\/ul>\n<p>Check the list at <a href=\"https:\/\/bfg.pl\/en\/for-depositors\/entities-covered-by-guarantees\/\"><u>https:\/\/bfg.pl\/en\/for-depositors\/entities-covered-by-guarantees\/<\/u><\/a><\/p>\n<p>When in doubt, contact your bank or credit union directly.<\/p>\n<p>Important: Branches of EU credit institutions operating in Poland are covered by their home Member State&#8217;s deposit guarantee scheme (harmonised EU coverage: \u20ac100,000 per depositor, per credit institution).<\/p>\n<\/div>\r\n          <\/div>\r\n        <\/div>\r\n                <div class=\"tab-pane fade accordion-item\" id=\"imp-link-pane-3438-3\"\r\n          role=\"tabpanel\" aria-labelledby=\"imp-link-3438-3\" tabindex=\"0\">\r\n\r\n          <h2 class=\"accordion-header d-lg-none\" id=\"heading-3438-3\">\r\n            <button class=\"accordion-button\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-3438-3\"\r\n              aria-expanded=\"true\" aria-controls=\"collapse-3438-3\">Repayment of covered deposits<\/button>\r\n          <\/h2>\r\n          <div id=\"collapse-3438-3\" class=\"accordion-collapse collapse d-lg-block\" aria-labelledby=\"heading-3438-3\"\r\n            data-bs-parent=\"#myTabContent\">\r\n            <div class=\"accordion-body\"><p>Covered deposits are repaid within 7 working days from the date when deposits become unavailable, which occurs when the competent authority determines that the institution cannot meet its obligations to depositors (or when BFG initiates resolution proceedings).<\/p>\n<\/div>\r\n          <\/div>\r\n        <\/div>\r\n        \r\n      <\/div>\r\n\r\n      <div class=\"bot_tabs\"><\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  \r\n\r\n\r\n    <div class=\"height50\"><\/div>\r\n\r\n    <!-- \/WAZNE-LINKI -->\r\n    <\/div>\r\n\r\n\r\n\r\n\n\n<div id=\"informacje-obrazekblock_b6f380ec4508c29a1897f9f01dc8d302\"\n  class=\"informacje-obrazek-block  recover \">\n  <!-- INFORMACJE-OBRAZEK -->\n\n  \n        <div class=\"row main_sec\">\n            <div class=\"col-xxl-6 col-xl-6 col-lg-6 col-md-12 col-sm-12 main_sec_box\">\n        <div class=\"recover_left\">\n                    <h2>How to recover money from a suspended bank or credit union?<\/h2>\n                    <div class=\"recover_text\">\n            <p>This video explains how BFG repays covered deposits when a bank or cooperative savings and credit union fails. You&#8217;ll learn about the repayment process, key deadlines, and how to access your protected funds.<\/p>\n            <div class=\"clr\"><\/div>\n          <\/div>\n                    <a href=\"https:\/\/bfg.pl\/gwarantowanie-depozytow\/jak-przebiega-wyplata\/\" class=\"but_yellow recover_btn\" >Watch the video<\/a>\n                  <\/div>\n      <\/div>\n            <div class=\"col-xxl-6 col-xl-6 col-lg-6 col-md-12 col-sm-12 main_sec_box\">\n        <div class=\"recover_right\">\n          <img decoding=\"async\" src=\"https:\/\/bfg.pl\/wp-content\/uploads\/img_recover.png\" alt=\"\" class=\"img_all\">\n        <\/div>\n      <\/div>\n            \n      \n    <\/div>\n    \n\n    \n    <div class=\"height_82\"><\/div>\n\n\n    <!-- \/INFORMACJE-OBRAZEK -->\n    <\/div>\n\n\n\n\n\n<div id=\"latest-news-block_1e7dfc50847f471b92b13a38da7ebd8f\"\n  class=\"latest-news \">\n  <!-- HOME-NEWS -->\n\n  <div class=\"news_sec\">\n    <div class=\"container no_news\">\n            <h2>News<\/h2>\n      \n      <div class=\"row main_sec\">\n                <div class=\"col-xxl-4 col-xl-4 col-lg-4 col-md-12 col-sm-12 main_sec_box\">\n          <div class=\"news_box main_sec_box\">\n            <h2 class=\"news-title\">Bank Guarantee Fund Signs MoU with Its Taiwanese Counterpart \u2013 CDIC<\/h2>\n            <div class=\"news_date\">01.04.2026<\/div>\n            <div class=\"news_text main_sec_box\">The Bank Guarantee Fund (BFG), which guarantees deposits in banks and credit unions (SKOKs) in Poland, signed a Memorandum of Understanding (MoU) with&#8230;<\/div>\n            <a href=\"https:\/\/bfg.pl\/en\/bank-guarantee-fund-signs-mou-with-its-taiwanese-counterpart-cdic\/\" class=\"more\">Read on &gt; <\/a>\n          <\/div>\n        <\/div>\n                <div class=\"col-xxl-4 col-xl-4 col-lg-4 col-md-12 col-sm-12 main_sec_box\">\n          <div class=\"news_box main_sec_box\">\n            <h2 class=\"news-title\">BGF sets banks\u2019 2026 contributions at\u00a0PLN 2,725 million<\/h2>\n            <div class=\"news_date\">26.02.2026<\/div>\n            <div class=\"news_text main_sec_box\">Total contributions to&nbsp;the Bank Guarantee Fund\u2019s (BGF) banking funds will amount to&nbsp;PLN 2,725 million in&nbsp;2026, representing a&nbsp;0.7%&#8230;<\/div>\n            <a href=\"https:\/\/bfg.pl\/en\/bgf-sets-banks-2026-contributions-at-pln-2725-million\/\" class=\"more\">Read on &gt; <\/a>\n          <\/div>\n        <\/div>\n                <div class=\"col-xxl-4 col-xl-4 col-lg-4 col-md-12 col-sm-12 main_sec_box\">\n          <div class=\"news_box main_sec_box\">\n            <h2 class=\"news-title\">Strategy 2030. We enhance the BFG to safeguard depositors&#8217; savings<\/h2>\n            <div class=\"news_date\">07.03.2025<\/div>\n            <div class=\"news_text main_sec_box\">In 2025, the Bank Guarantee Fund celebrates its 30th anniversary. We are proud of the Fund&#8217;s achievements in deposit protection and its contributions&#8230;<\/div>\n            <a href=\"https:\/\/bfg.pl\/en\/strategy-2030-we-enhance-the-bfg-to-safeguard-depositors-savings\/\" class=\"more\">Read on &gt; <\/a>\n          <\/div>\n        <\/div>\n        \n        <div class=\"clr\"><\/div>\n                <div class=\"col-xxl-12\">\n          <a href=\"https:\/\/bfg.pl\/en\/news\/\" class=\"but_yellow news_btn\">More news<\/a>\n        <\/div>\n              <\/div>\n    <\/div>\n\n    <div class=\"news_slide\">\n\n      <div class=\"container\">\n\n                <h2>News<\/h2>\n        \n        <div id=\"owl-demo-2\" class=\"owl-carousel owl-theme\">\n\n                    <div class=\"item\">\n            <div class=\"news_box main_sec_box\">\n              <h3>Bank Guarantee Fund Signs MoU with Its Taiwanese Counterpart \u2013 CDIC<\/h3>\n              <div class=\"news_date\">01.04.2026<\/div>\n              <div class=\"news_text main_sec_box\">The Bank Guarantee Fund (BFG), which guarantees deposits in banks and credit unions (SKOKs) in Poland, signed a Memorandum of Understanding (MoU) with&#8230;<\/div>\n              <a href=\"https:\/\/bfg.pl\/en\/bank-guarantee-fund-signs-mou-with-its-taiwanese-counterpart-cdic\/\" class=\"more\">More news > <\/a>\n            <\/div>\n          <\/div>\n                    <div class=\"item\">\n            <div class=\"news_box main_sec_box\">\n              <h3>BGF sets banks\u2019 2026 contributions at\u00a0PLN 2,725 million<\/h3>\n              <div class=\"news_date\">26.02.2026<\/div>\n              <div class=\"news_text main_sec_box\">Total contributions to&nbsp;the Bank Guarantee Fund\u2019s (BGF) banking funds will amount to&nbsp;PLN 2,725 million in&nbsp;2026, representing a&nbsp;0.7%&#8230;<\/div>\n              <a href=\"https:\/\/bfg.pl\/en\/bgf-sets-banks-2026-contributions-at-pln-2725-million\/\" class=\"more\">More news > <\/a>\n            <\/div>\n          <\/div>\n                    <div class=\"item\">\n            <div class=\"news_box main_sec_box\">\n              <h3>Strategy 2030. We enhance the BFG to safeguard depositors&#8217; savings<\/h3>\n              <div class=\"news_date\">07.03.2025<\/div>\n              <div class=\"news_text main_sec_box\">In 2025, the Bank Guarantee Fund celebrates its 30th anniversary. We are proud of the Fund&#8217;s achievements in deposit protection and its contributions&#8230;<\/div>\n              <a href=\"https:\/\/bfg.pl\/en\/strategy-2030-we-enhance-the-bfg-to-safeguard-depositors-savings\/\" class=\"more\">More news > <\/a>\n            <\/div>\n          <\/div>\n          \n        <\/div>\n\n      <\/div>\n\n    <\/div>\n\n\n  <\/div>\n  <!-- \/HOME-NEWS -->\n<\/div>\n\n<div class=\"height_82\"><\/div>\n\n\n\n<div id=\"informacje-obrazekblock_767f8db5e6192d1726df51020b53c7a3\"\n  class=\"informacje-obrazek-block  safety_sec1 \">\n  <!-- INFORMACJE-OBRAZEK -->\n\n  \n    \n\n        <div class=\"safety_box\">\n      <div class=\"row main_sec\">\n                              <div class=\"col-xxl-5 col-xl-5 col-lg-5 col-md-12 col-sm-12 main_sec_box\">\n              <img decoding=\"async\" src=\"https:\/\/bfg.pl\/wp-content\/uploads\/img_safety.png\" class=\"\" alt=\"\">\n            <\/div>\n                  \n        <div class=\"col-xxl-7 col-xl-7 col-lg-7 col-md-12 col-sm-12 main_sec_box\">\n          <div class=\"safety_right\"><p>BFG ensures the safety of deposits held with banks and credit unions (SKOKs). In the event of an authorized institution filing a motion for bankruptcy of a bank or SKOK, BFG pays out customers their savings. Is your money safe? Check the current list of banks and SKOKs covered by BFG guarantees.<\/p>\n<div class=\"clr\"><\/div>\n\n                    <a href=\"https:\/\/bfg.pl\/en\/for-depositors\/entities-covered-by-guarantees\/\" class=\"but_yellow_white safety_btn\">entities covered by guarantees<\/a>\n          \n          <\/div>\n        <\/div>\n        \n\n      <\/div>\n    <\/div>\n    \n    <div class=\"height_82\"><\/div>\n\n\n    <!-- \/INFORMACJE-OBRAZEK -->\n    <\/div>\n\n\n\n\n\n<div id=\"home-faq-block_3c289a7f1f02268f1255856dd7a33daa\"\n  class=\"home-faq  \">\n  <!-- HOME-FAQ -->\n\n  \n  <div class=\"faq_sec\">\n\n    \n                  <h2>Frequently asked questions:<\/h2>\n            \n      <div class=\"accordion accordion-flush mb-5\" id=\"accordionFlushExample-6221\">\n                <div class=\"accordion-item\">\n          <div class=\"accordion-header\" id=\"flush-heading-6221-18423\">\n            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n              data-bs-target=\"#flush-collapse-6221-18423\" aria-expanded=\"false\"\n              aria-controls=\"flush-collapse-6221-18423\">\n              1. Which institutions are members of Poland&#8217;s deposit guarantee scheme?            <\/button>\n          <\/div>\n          <div id=\"flush-collapse-6221-18423\" class=\"accordion-collapse collapse\"\n            aria-labelledby=\"flush-heading-6221-18423\"\n            data-bs-parent=\"#accordionFlushExample-6221\">\n            <div class=\"accordion-body\">The Bank Guarantee Fund (BFG) guarantee scheme covers deposits held at all domestic banks, i.e. those with their registered head offices located within the territory of the Republic of Poland, irrespective of the form of their operations (joint stock company, co-operative bank), with the exception of Bank Gospodarstwa Krajowego (state-run bank) and mortgage banks (which, as a rule, do not carry out deposit activities), all cooperative savings and credit unions. branches of foreign banks (i.e. bank branches established in the territory of a non-EU State) to the extent that the deposit guarantee system in the country does not guarantee the payment of funds at least to the extent and in the amount specified in the Act on the Bank Guarantee Fund, Deposit Guarantee Scheme and Resolution.<\/div>\n          <\/div>\n        <\/div>\n                <div class=\"accordion-item\">\n          <div class=\"accordion-header\" id=\"flush-heading-6221-18452\">\n            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n              data-bs-target=\"#flush-collapse-6221-18452\" aria-expanded=\"false\"\n              aria-controls=\"flush-collapse-6221-18452\">\n              2. Are foreign credit institutions covered by BFG?            <\/button>\n          <\/div>\n          <div id=\"flush-collapse-6221-18452\" class=\"accordion-collapse collapse\"\n            aria-labelledby=\"flush-heading-6221-18452\"\n            data-bs-parent=\"#accordionFlushExample-6221\">\n            <div class=\"accordion-body\"><p>Under EU law (DGSD), branches of credit institutions from other EU Member States operating in Poland are covered by the deposit guarantee scheme of their home Member State. Since 31 December 2010, all EU Member States provide coverage of \u20ac100,000 per depositor, per credit institution (or the equivalent in national currency).<\/p>\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph --><\/div>\n          <\/div>\n        <\/div>\n                <div class=\"accordion-item\">\n          <div class=\"accordion-header\" id=\"flush-heading-6221-18453\">\n            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n              data-bs-target=\"#flush-collapse-6221-18453\" aria-expanded=\"false\"\n              aria-controls=\"flush-collapse-6221-18453\">\n              3. Are deposits with unauthorised entities covered by the scheme?            <\/button>\n          <\/div>\n          <div id=\"flush-collapse-6221-18453\" class=\"accordion-collapse collapse\"\n            aria-labelledby=\"flush-heading-6221-18453\"\n            data-bs-parent=\"#accordionFlushExample-6221\">\n            <div class=\"accordion-body\">Funds deposited at the entities indicated by the Polish Financial Supervision Authority as the ones that hold no authorisation to perform banking transactions are not covered by the guarantee system.\r\n\r\nA list of such entities is posted on the website of the Polish Financial Supervision Authority in the section:\u00a0<a href=\"http:\/\/bip.knf.gov.pl\/?l=\/Urzad_Komisji\/042_Ostrzezenia_publiczne\/000_index.html\" target=\"_blank\" rel=\"noopener noreferrer\" aria-describedby=\"link-warning-2\">Public warnings of the Polish Financial Supervision Authority.<\/a><\/div>\n          <\/div>\n        <\/div>\n                <div class=\"accordion-item\">\n          <div class=\"accordion-header\" id=\"flush-heading-6221-18454\">\n            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n              data-bs-target=\"#flush-collapse-6221-18454\" aria-expanded=\"false\"\n              aria-controls=\"flush-collapse-6221-18454\">\n              4. Who is a depositor?            <\/button>\n          <\/div>\n          <div id=\"flush-collapse-6221-18454\" class=\"accordion-collapse collapse\"\n            aria-labelledby=\"flush-heading-6221-18454\"\n            data-bs-parent=\"#accordionFlushExample-6221\">\n            <div class=\"accordion-body\">A person or entity entitled to guaranteed funds is a\u00a0<strong>depositor.<\/strong>\r\n\r\nIn the event of a bank or a branch of a foreign bank the following are depositors:\r\n<ul>\r\n \t<li>natural persons,<\/li>\r\n \t<li>legal persons,<\/li>\r\n \t<li>organisational units without legal personality but possessing legal capacity,<\/li>\r\n \t<li>school savings associations,<\/li>\r\n \t<li>employee assistance-and-loan associations,<\/li>\r\n \t<li>parent\u2019s councils.<\/li>\r\n<\/ul>\r\nIn the event of a cooperative savings and credit union, the following are depositors:\r\n<ul>\r\n \t<li>natural persons,<\/li>\r\n \t<li>NGOs within the meaning of the Act on Public Service Activity and Volunteering,<\/li>\r\n \t<li>organisational units of a church or religious organisation which are legal persons,<\/li>\r\n \t<li>cooperatives,<\/li>\r\n \t<li>trade unions,<\/li>\r\n \t<li>tenants\u2019 communities,<\/li>\r\n<\/ul>\r\nThe Act on the Bank Guarantee Fund, Deposit Guarantee Scheme and Resolution (Article 22 paragraph 1) also stipulates that not all credit union account holders at banks and credit unions are entitled to depositor status (see: Question 5).<\/div>\n          <\/div>\n        <\/div>\n                <div class=\"accordion-item\">\n          <div class=\"accordion-header\" id=\"flush-heading-6221-18455\">\n            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n              data-bs-target=\"#flush-collapse-6221-18455\" aria-expanded=\"false\"\n              aria-controls=\"flush-collapse-6221-18455\">\n              5. \u00a0Which deposits are excluded from coverage?            <\/button>\n          <\/div>\n          <div id=\"flush-collapse-6221-18455\" class=\"accordion-collapse collapse\"\n            aria-labelledby=\"flush-heading-6221-18455\"\n            data-bs-parent=\"#accordionFlushExample-6221\">\n            <div class=\"accordion-body\">In the event of banks and cooperative savings and credit unions, the BFG guarantee does not cover funds deposited by:\r\n<ul>\r\n \t<li>the State Treasury,<\/li>\r\n \t<li>Narodowy Bank Polski (National Bank of Poland),<\/li>\r\n \t<li>banks, foreign banks and credit institutions within the meaning of the Act \u2013 Banking Law<\/li>\r\n \t<li>cooperative savings and credit unions and the National Association of Cooperative Savings and Credit Unions,<\/li>\r\n \t<li>the Bank Guarantee Fund,<\/li>\r\n \t<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>\r\n \t<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>\r\n \t<li>persons and bodies unidentified by a bank or a cooperative savings and credit union, as the case may be,<\/li>\r\n \t<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>\r\n \t<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>\r\n \t<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>\r\n \t<li>local government units,<\/li>\r\n \t<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>\r\n<\/ul><\/div>\n          <\/div>\n        <\/div>\n                <div class=\"accordion-item\">\n          <div class=\"accordion-header\" id=\"flush-heading-6221-18456\">\n            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n              data-bs-target=\"#flush-collapse-6221-18456\" aria-expanded=\"false\"\n              aria-controls=\"flush-collapse-6221-18456\">\n              6. What are covered deposits?            <\/button>\n          <\/div>\n          <div id=\"flush-collapse-6221-18456\" class=\"accordion-collapse collapse\"\n            aria-labelledby=\"flush-heading-6221-18456\"\n            data-bs-parent=\"#accordionFlushExample-6221\">\n            <div class=\"accordion-body\"><p>In the event of the bank, the deposit guarantee scheme protects deposits held by the depositor in all types of registered bank accounts that it maintains, whether denominated in PLN or in foreign currencies. The guarantee scheme also covers:<\/p>\n<ul>\n<li>other depositor claims arising under the bank account agreements;<\/li>\n<li>depositor claims arising under the bank financial settlements pursued by the bank;<\/li>\n<li>depositor claims arising under bank of bank securities issued prior to 2 July 2014.<\/li>\n<\/ul>\n<p>The deposit guarantee scheme also covers claims against the bank in respect of a record in the contemplation of demise and funeral costs provisions in respect of a bank account holder, provided that such claims come due prior to the date on which the operations of the bank are suspended.<\/p>\n<p>In the event of the credit union, the deposit guarantee scheme covers deposits held by the depositor at the credit union in all types of registered bank accounts that it maintains, whether denominated in PLN or in foreign currencies. The guarantee scheme also covers:<\/p>\n<ul>\n<li>other depositor claims arising under the account agreements;<\/li>\n<li>depositor claims arising under the bank financial settlements pursued by the credit union.<\/li>\n<\/ul>\n<p>The deposit guarantee scheme also covers claims against the credit union in respect of a record in the contemplation of demise and funeral costs provisions in respect of a credit union member, provided that such claims come due prior to the date on which the operations of the credit union are suspended.<\/p>\n<p>Important: Investment products (such as mutual fund units, securities, or insurance products) are excluded from deposit guarantee coverage under DGSD Art. 5(2). Even if purchased through your bank, these are not covered deposits. Both the banks and credit union also offer hybrid products, e.g. a term deposit combined with investment fund units \u2013 and in such cases only the deposit component of the product is covered by the guarantee.<\/p>\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph --><\/div>\n          <\/div>\n        <\/div>\n                <div class=\"accordion-item\">\n          <div class=\"accordion-header\" id=\"flush-heading-6221-18457\">\n            <button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n              data-bs-target=\"#flush-collapse-6221-18457\" aria-expanded=\"false\"\n              aria-controls=\"flush-collapse-6221-18457\">\n              7. Are funds paid as contributions and interest guaranteed?            <\/button>\n          <\/div>\n          <div id=\"flush-collapse-6221-18457\" class=\"accordion-collapse collapse\"\n            aria-labelledby=\"flush-heading-6221-18457\"\n            data-bs-parent=\"#accordionFlushExample-6221\">\n            <div class=\"accordion-body\">No, the funds paid to the cooperative bank or the cooperative savings and credit union by way of shares, the entry fee or membership contributions are not covered by the guarantees.<\/div>\n          <\/div>\n        <\/div>\n              <\/div>\n\n                  <a href=\"https:\/\/bfg.pl\/gwarantowanie-depozytow\/najczestsze-pytania-i-odpowiedzi\/\" class=\"but_yellow faq_btn\">More questions and answers<\/a>\n            \n        <\/div>\n\n  <!-- \/HOME-FAQ -->\n<\/div>\n\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":13,"featured_media":0,"parent":0,"menu_order":50,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-full.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-18575","page","type-page","status-publish","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\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 4.9.8\" \/>\n\t\t<script type=\"application\/ld+json\" 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