{"id":1922,"date":"2016-10-26T13:45:52","date_gmt":"2016-10-26T11:45:52","guid":{"rendered":"https:\/\/bfg.pl\/?page_id=1922"},"modified":"2026-03-17T08:45:33","modified_gmt":"2026-03-17T07:45:33","slug":"deposit-guarantee-principles","status":"publish","type":"page","link":"https:\/\/bfg.pl\/en\/for-depositors\/deposit-guarantee-principles\/","title":{"rendered":"How deposit protection works"},"content":{"rendered":"<p>When deposits become unavailable, the Bank Guarantee Fund repays covered deposits up to the statutory coverage level.<\/p>\n<p>Deposits become unavailable when:<\/p>\n<ul>\n<li>for banks: the competent authority (KNF) suspends the institution&#8217;s operations and appoints a receiver, and either KNF files a bankruptcy petition with BFG or BFG files for bankruptcy under resolution proceedings,<\/li>\n<li>for cooperative savings and credit unions: the competent authority (KNF) suspends the institution&#8217;s operations and appoints a receiver, and either KNF files a bankruptcy petition with BFG or BFG files for bankruptcy under resolution proceedings,<\/li>\n<li>for branches of non-EU credit institutions: a Polish court recognises a foreign insolvency decision concerning the institution or its assets located in Poland.<\/li>\n<\/ul>\n<h2>Contact<\/h2>\n<p>Telephone number<br \/>\n22 583 09 42<\/p>\n<p>Toll-free helpline<br \/>\n800 569 341<\/p>\n<p>E-mail<br \/>\n<a href=\"mailto:kancelaria@bfg.pl\">kancelaria@bfg.pl<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When deposits become unavailable, the Bank Guarantee Fund repays covered deposits up to the statutory coverage level. 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