{"id":1926,"date":"2019-02-19T13:52:21","date_gmt":"2019-02-19T12:52:21","guid":{"rendered":"https:\/\/bfg.pl\/?page_id=1926"},"modified":"2026-03-17T08:53:33","modified_gmt":"2026-03-17T07:53:33","slug":"coverage-level","status":"publish","type":"page","link":"https:\/\/bfg.pl\/en\/for-depositors\/deposit-guarantee-principles\/coverage-level\/","title":{"rendered":"Coverage level and calculation"},"content":{"rendered":"<p><strong>Coverage limit<\/strong><\/p>\n<p>Eligible deposits up to the PLN equivalent of \u20ac100,000 are fully covered.<\/p>\n<p><strong>How we calculate your coverage<\/strong><\/p>\n<ul>\n<li>Coverage is calculated based on your deposit balance on the date when deposits become unavailable, including accrued interest up to that date.<\/li>\n<li>We aggregate all your deposits across different account types (e.g., current accounts, savings accounts, term deposits) at the same institution to calculate total coverage.<\/li>\n<li>For joint accounts, each account holder is entitled to separate coverage up to \u20ac100,000.<\/li>\n<li>For client accounts held by investment firms, each underlying client is treated as a separate depositor for coverage purposes.<\/li>\n<\/ul>\n<p><strong>Temporary high balances<\/strong><\/p>\n<p>In specific life circumstances, natural persons may receive increased coverage above the standard \u20ac100,000 limit for up to 3 months. Repayment of amounts exceeding \u20ac100,000 requires a separate application.<\/p>\n<p>Funds from the following sources receive enhanced coverage up to \u20ac200,000 (maximum additional \u20ac100,000 above the standard limit) for 3 months from the date funds are credited:<\/p>\n<ul>\n<li>sale of residential property (house, apartment, or land).<\/li>\n<li>property settlement following divorce or separation,<\/li>\n<li>inheritance,<\/li>\n<li>life insurance payouts,<\/li>\n<li>personal accident insurance payouts,<\/li>\n<li>severance payments,<\/li>\n<li>retirement or disability pension payments.<\/li>\n<\/ul>\n<p>The natural person depositor funds or claims derived from the following sources are covered by the guarantee in entirety within 3 months from the date of funds being credited in the account:<\/p>\n<ul>\n<li>payment of compensation for damage caused by a crime or compensation for damage suffered, compensation or reparation, as referred to in Article 552 of the Act &#8211; Code of Criminal Procedure.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Coverage limit Eligible deposits up to the PLN equivalent of \u20ac100,000 are fully covered. How we calculate your coverage Coverage is calculated based on your deposit balance on the date when deposits become unavailable, including accrued interest up to that date. We aggregate all your deposits across different account types (e.g., current accounts, savings accounts, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1922,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-1926","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\/for-depositors\/deposit-guarantee-principles\/coverage-level\/\" \/>\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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11:35:27","updated":"2026-03-17 07:55:43","seo_analyzer_scan_date":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/bfg.pl\/en\/\" title=\"Home\">Home<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/bfg.pl\/en\/for-depositors\/\" title=\"Deposit Protection\">Deposit Protection<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\t<a href=\"https:\/\/bfg.pl\/en\/for-depositors\/deposit-guarantee-principles\/\" title=\"How deposit protection works\">How deposit protection works<\/a>\n\t\t<\/span><span class=\"aioseo-breadcrumb-separator\">&raquo;<\/span><span class=\"aioseo-breadcrumb\">\n\t\t\tCoverage level and calculation\n\t\t<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/bfg.pl\/en\/"},{"label":"Deposit 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