3 - How do I know if my institution is covered by the FGDR's deposit guarantee or investor compensation scheme?

As a general rule, any credit institution or investment firm that receives authorisation from the Prudential Supervision and Resolution Authority (ACPR) is a member of the Fonds de Garantie des Dépôts et de Résolution (FGDR). Membership in the FGDR is a prerequisite for conducting its business. Customers are then covered by the FGDR guarantees. The FGDR also covers customers of branches opened by its members in a country of the European Economic Area (EEA)


→ To learn more about the FGDR’s environment and international regulations, click here.



Conversely, customers of branches of European banks opened in France are covered by the Fund of the country in which that bank has its head office. In both cases, the FGDR cooperates with its European counterparts to cover customers of these branches so that they are treated under the same conditions as customers of their bank's head office.


→ To check whether our bank or investment services provider is covered by the FGDR or another guarantee scheme, click on the banks search engine.

→ To learn more about the criteria that institutions must meet to be covered by the FGDR, refer to the "Institutions Covered" section.