• individuals

• legal persons

• organisational units without legal personality, if they have legal capacity (in the case of a bank maintaining an account for a civil, general, limited or limited joint-stock partnership, the depositor is this partnership),

• school savings banks

• employee savings and loan funds

• in the case of joint accounts, the guaranteed amount shall be calculated separately for each of the co-holders of the account since each of those co-holders is considered a depositor. For this purpose, the funds in the account shall be divided among all co-holders in accordance with the provisions of the account agreement, and if there are no such provisions, divided into as many equal parts as there are co-holders.

• State Treasury,

• National Bank of Poland,

• Domestic banks, foreign banks and credit institutions within the meaning of banking law funds,

• the National Fund within the meaning of the Act on co-operative savings and credit unions,

• Bank Guarantee Fund,

• financial institutions,

• investment companies referred to in Art. 4 para. 1 point 2 of Regulation No. 575/2013 and recognised investment companies from a third country referred to in Art. 4 para. 1 point 25 of this regulation,

• persons and entities that have not been identified by the bank (except when funds or receivables have been included in the list of claims drawn up in insolvency proceedings, or when funds or receivables have been established by a final court decision), where the identified persons / entities are persons / entities in relation to which the bank has determined:

  • in the case of individuals - the name, surname and number of the General Electronic System of Population Register (PESEL) or the name, surname and date of birth and the features of the document confirming the person's identity in the case of a person without a PESEL number, or the name, surname and number of the document confirming the identity of a foreigner, and if identification was made before 23 June 2001, the name, surname and PESEL number or the name, surname and date of birth and the features of the document confirming the person's identity,

  • in the case of legal persons: name (company), organisational form, registered office, address and the number from the relevant register,

  • in the case of organisational units without legal personality, if they have legal capacity, school savings banks and employee savings and loan funds - the name, organisational form, registered office, address and the number from the relevant register, if applicable.

• domestic and foreign insurance companies, domestic and foreign reinsurance operations pursuant to the Act on Insurance Activity,

• open pension funds, occupational pension funds, general pension societies, occupational pension societies pursuant to the Act on the Organisation and Functioning of Pension Funds,

• jednostki samorządu terytorialnego,

• funduszy inwestycyjnych, towarzystw funduszy inwestycyjnych, funduszy zagranicznych, spółek zarządzających i oddziałów towarzystw inwestycyjnych, o których mowa w ustawie z dnia 27 maja 2004 r. o funduszach inwestycyjnych i zarządzaniu alternatywnymi funduszami inwestycyjnymi (Dz. U. z 2014 r. poz. 157, z późn. zm.6),

• local government units,

• investment funds, investment fund companies, foreign funds, management companies and branches of investment companies referred to in the Act of 27 May 2004 on investment funds and management of alternative investment funds (Journal of Laws of 2014, item 157, as amended 6).

• funds accumulated by the depositor in bank accounts where the depositor is a party to the bank account agreement, regardless of the legal defectiveness of this agreement, as well as its invalidity, and in the cases referred to in Art. 26 para. 2 and 3 of the Act on the Bank Guarantee Fund, deposit guarantee system and forced restructuring,

• other receivables of the depositor resulting from banking activities referred to in Art. 5 para. 1 point 1, 2 of the Act – Banking Law, Deposit Guarantee System and Forced Restructuring and 6 of the Act – Banking Law,

• amounts referred to in Art. 56 para. 1 of the Act – Banking Law, subject to Art. 52, if they became due before the date of fulfilment of the guarantee condition,

• receivables of the depositor resulting from bank securities, confirmed by personal documents issued by the issuer or nominal deposit certificates referred to in Art. 9 para. 1 of the Act on Trading in Financial Instruments if they were issued before 2 July 2014.

• funds paid as shares, entry fees and membership contributions to cooperatives,

• the depositor's funds, if these funds are located in bank accounts in which, over the period of 2 years prior to the date of fulfilment of the guarantee condition, no transactions had been made other than adding interest or charging commissions or fees, and the total sum is lower than the equivalent of EUR 2.5 in PLN – if these were to be the only funds of the depositor covered by the guarantee,

• electronic money within the meaning of the Act of 19 August 2011 on payment services (Journal of Laws of 2014, item 873 and 1916 and of 2015, item 1764, 1830 and 1893) and cash received in exchange for electronic money referred to in Art. 7 para. 1 of this Act.

• real estate built up with a single-family residential building within pursuant to the provisions of the Act of 7 July 1994. – Construction Law (Journal of Laws from 2016, item 290 and 961), its part or share in such real estate,

• the right of perpetual usufruct of land built up with a single-family residential building pursuant to the provisions of the Act of 7 July 1994: construction law or a share in such right,

• independent residential premises pursuant to the provisions of the Act of 24 June 1994 on the ownership of premises (Journal of 2015, item 1892), constituting a separate property or a share in such premises, land or a share in the land or a right of perpetual usufruct of the land or a share in such a right, related to these premises,

• cooperative ownership right to premises for residential use or a share in such a right if this sale did not take place as part of business activity,

• performance of contractual or court-imposed division of property for them after the cessation of matrimonial property,

• the acquisition of inheritance by them, performance of testament provision for them or retention of a legitimate part,

• payment of the insurance amount resulting from a life insurance agreement in connection with the death of the insured person or attainment of the age indicated for the insured person,

• payment of the sum insured under an accident insurance agreement in connection with personal injury,

• disruption of health or death of the insured person as a result of an accident,

• payment of severance pay under the conditions and in the amount specified in separate provisions,

• payment of retirement or pension severance pay referred to in Art. 921 § 1 of the Act of 26 June 1974 – The Labour Code (Journal of Laws of 2014, item 1502, as amended)), hereinafter referred to as the "Labour Code", or separate provisions under the conditions and in the amount specified in these provisions.

- they shall be covered by a guarantee protection, within 3 months from the date of receipt of the funds in the account or the creation of receivables, up to the amount of the difference between twice the limit of the equivalent of 100,000 EUR in PLN and the sum of the remaining funds and receivables of the depositor, not higher than the limit of the equivalent of 100,000 EUR in PLN

Where the funds or receivables of a depositor who is a natural person come from:

• payment of compensation for damage caused by criminal offence or compensation for damage suffered,

• payment of compensation or redress referred to in Art. 552 of the Act – Code of Criminal Procedure

- they shall be covered by guarantee protection, within 3 months from the date of receipt of funds into the account or the occurrence of receivables in full. After this date, these funds and receivables shall be covered by the mandatory deposit guarantee scheme on general terms, i.e., up to the equivalent of 100,000 EUR in PLN.

Withdrawal of guaranteed cash shall be made in PLN, regardless of the currency in which the deposits covered by the guarantees were made.

For the calculation of the value of the euro in PLN, the average exchange rate on the date of fulfilment of the guarantee condition, announced by the National Bank of Poland, shall be used.

As part of its obligations under the BFG Act, the Bank hereby informs the depositor about the rules for guaranteeing cash in the form of an information sheet for depositors.

Detailed information on the deposit guarantee rules can be found on the website of the Bank Guarantee Fund.