{"id":1924,"date":"2019-02-19T13:51:16","date_gmt":"2019-02-19T12:51:16","guid":{"rendered":"https:\/\/bfg.pl\/?page_id=1924"},"modified":"2019-03-06T20:20:00","modified_gmt":"2019-03-06T19:20:00","slug":"scope-of-deposit-coverage","status":"publish","type":"page","link":"https:\/\/bfg.pl\/en\/for-depositors\/deposit-guarantee-principles\/scope-of-deposit-coverage\/","title":{"rendered":"Scope of Deposit Coverage"},"content":{"rendered":"<p>Funds and claims of <strong>natural persons<\/strong> are covered, as well as:<\/p>\n<p>in the event of a bank or a branch of a foreign bank &#8211; funds and claims of the following are covered:<\/p>\n<ul>\n<li>natural persons,<\/li>\n<li>organisational units without separate legal personality, but possessing legal capacity under a separate Act,<\/li>\n<li>school savings associations,<\/li>\n<li>employee assistance-and-loan associations<\/li>\n<li>parent&#8217;s councils.<\/li>\n<\/ul>\n<p>in the event of a cooperative savings and credit union:<\/p>\n<ul>\n<li>NGOs under the Act on Public Service Activity and Volunteering.<\/li>\n<li>organisational units of a church or religious organisation which are legal persons,<\/li>\n<li>cooperatives,<\/li>\n<li>trade unions,<\/li>\n<li>tenants\u2019 communities,<\/li>\n<\/ul>\n<p>The funds and claims held in the name of the following are not covered:<\/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 &#8211; Banking Law,<\/li>\n<li>cooperative savings and credit unions (deposits made by these institutions within their own sector), National Association of Cooperative Savings and Credit Unions,<\/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,<\/li>\n<li>persons and bodies unidentified by a bank, cooperative savings and credit union or a branch of a foreign bank, as the case may be,<\/li>\n<li>insurance and reinsurance undertakings,<\/li>\n<li>investment funds and investment funds companies,<\/li>\n<li>pension funds and pension companies,<\/li>\n<li>local government units,<\/li>\n<li>public authorities of other countries.<\/li>\n<\/ul>\n<p>Article 22 paragraph 1 of the Act on the Bank Guarantee Fund, Deposit Guarantee Scheme and Resolution of 10 June 2016 details out a specific catalogue of exceptions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Funds and claims of natural persons are covered, as well as: in the event of a bank or a branch of a foreign bank &#8211; funds and claims of the following are covered: natural persons, organisational units without separate legal personality, but possessing legal capacity under a separate Act, school savings associations, employee assistance-and-loan associations 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