Description
The Fonds de Garantie des Dépôts et de Résolution (FGDR) conducts an annual barometer to measure the French people’s knowledge of the Deposit Guarantee Scheme and the FGDR. It also tracks three indicators of confidence in the banking sector.
This barometric survey follows a consistent methodology over time to ensure the comparability of results.
History of the FGDR Barometer
The first barometer survey was conducted in May 2016 with the general public. In 2017, the FGDR Barometer expanded to include professionals in the banking sector who interact with customers, as well as a sample of opinion leaders.
In 2023, two new themes were introduced:
- Awareness of deposit protection in neobanks;
- The general public’s perception of exposure to online banking fraud and scams.
The 2026 Barometer: a growing level of trust in the French banking system and a strengthening of public awareness of deposit protection and of the FGDR
Summary of the 11th edition of the Deposit Guarantee Knowledge and FGDR Awareness Barometer (2026)
General awareness of the deposit guarantee scheme and of the FGDR continues to strengthen:
More specifically, understanding of the technical features of the deposit guarantee schemeⁱ remains uneven:
- Only 25% of French people are aware of the EUR 100,000 compensation ceilingⁱ under the deposit guarantee schemeⁱ;
- Awareness of which products are covered has improved:
- 62% of French people know that current accounts, sight deposit accounts and term deposit accounts are protected;
- 59% are aware that accounts, savings passbooks and savings plans (CEL, PEL, PEP), as well as Livret Type 'A' savings accounts, are protected by the deposit guarantee schemeⁱ.
Awareness of the categories of depositors covered by the deposit guarantee schemeⁱ remains incomplete:
- 57% of respondents are aware that deposits held by individuals are protected;
- 37% are aware that deposits held by professionals are protected;
- 32% of French people are aware that SMEs are protected, while 22% are aware that large companies are protected.
Finally, only 8% of French people are aware of the statutory compensation periodⁱ of seven working days if their deposits become unavailable.
Confidence in the French banking system continues to strengthen:
This year, confidence in the banking system among French people has reached its highest level since the barometer began:
74% of French people have confidence in the banking system (+25 percentage points over the past decade); this rises to 79% (+5 points) among those who say they have detailed knowledge of the FGDR;
77% believe that their money is safe when deposited with a bank (+18 percentage points over the past 10 years); this rises to 82% (+5 points) among those familiar with the FGDR;
53% say that they would not lose all their money if their bank failed (+13 percentage points over the past 10 years); among those familiar with the FGDR, this figure rises to 71% (+18 points).
As in previous years, knowledge of the FGDR contributes to higher levels of confidence in the banking sector.
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Previous Editions of the FGDR - Harris Interactive Barometer
Lead
This section provides access to official annual press releases published since 2016 on the results of the FGDR - Harris Interactive Deposit Guarantee Knowledge and Awareness Barometer.
Section
10ème édition du baromètre FGDR - Harris Interactive (2025)
"10ème édition du baromètre du FGDR - Harris Interactive : Un niveau de confiance dans le système bancaire français en progression et une consolidation de la notoriété de la garantie des dépôts et du FGDR
Le Fonds de Garantie des Dépôts et de Résolution (FGDR) mesure pour la 10ème année consécutive la connaissance des Français sur la garantie des dépôts. Ce baromètre réalisé en mars-avril 2025 capte aussi trois indicateurs de confiance envers le secteur bancaire.
9th edition of the FGDR- Harris Interactive (2024)
Download the press release
9th Edition of the FGDR Barometer with Harris Interactive: 8 Years of Growing Trust Among the French in the Banking Sector and Strengthened Awareness of Deposit Guarantee and the FGDR
The Fonds de Garantie des Dépôts et de Résolution (FGDR) has measured the French public's awareness of the deposit guarantee. This barometer, conducted in April-May 2024, also tracks three indicators of trust in the banking sector.
8th edition of the FGDR - Harris Interactive Barometer (2023)
"8th edition of the FGDR Barometer - Harris Interactive: Rising trust in the banking sector, and increased awareness of the FGDR and the deposit guarantee."
The Fonds de Garantie des Dépôts et de Résolution (FGDR) measures, for the 8th consecutive year, the knowledge of the French public regarding deposit guarantees. This barometer, conducted in March-April 2023, also captures three trust indicators towards the banking sector.
7th edition of the FGDR - Harris Interactive Barometer (2022)
"7th edition of the FGDR Barometer with Harris Interactive: Unwavering trust in the banking sector and increased awareness of the FGDR."
The Fonds de Garantie des Dépôts et de Résolution (FGDR) has measured, for the seventh consecutive year, the knowledge of the French public regarding deposit guarantees and the FGDR. This survey, conducted by Harris Interactive, also measures the knowledge of covered products and amounts, as well as the 7-day compensation period. This barometer captures three trust indicators towards the banking sector each year.
6th edition of the FGDR - Harris Interactive Barometer (2021)
"The results of the 6th Harris Interactive Barometer campaign show a high level of trust in the banking sector and increased awareness of the FGDR and deposit guarantees."
The Fonds de Garantie des Dépôts et de Résolution (FGDR) has measured, for the sixth consecutive year, the knowledge of the French public regarding deposit guarantees and the FGDR. This survey, conducted by Harris Interactive at the end of May 2021, also measures the knowledge of covered products and amounts, as well as the compensation period.
5th edition of the FGDR - Harris Interactive Barometer (2020)
"The 5th edition of the Harris Interactive Barometer confirms the increased awareness of the FGDR and knowledge of deposit guarantees."
The Fonds de Garantie des Dépôts et de Résolution (FGDR) has measured, for the fifth consecutive year, the knowledge of the French public regarding deposit guarantees and the FGDR. This survey, conducted by Harris Interactive at the end of May 2020, also measures the knowledge of covered products, covered amounts, and the compensation period.
4th edition of the FGDR - Harris Interactive Barometer (2019)
"The FGDR presents the annual results of its awareness and knowledge barometer of deposit guarantees."
The Fonds de Garantie des Dépôts et de Résolution (FGDR) has, for the fourth consecutive year, surveyed the French public on deposit guarantees and the FGDR. This survey, conducted by Harris Interactive, analyzes the evolution of the FGDR's awareness and knowledge of deposit guarantee mechanisms and covered products.
Methodology of the FGDR - Harris Interactive Barometer
This barometer is conducted by Harris Interactive through an online survey of a representative sample of over 2,000 French individuals aged 18 and over.
It also includes a sample of approximately 120 banking professionals (advisors, branch managers) and around 80 opinion leaders, including financial and economic journalists, representatives of savings-related associations, and expert bloggers.
The Barometer presents results based on the following themes:
- Perception of financial security and preferred sources of information in the event of a bank failure.
- Awareness, perception, and level of information about the Deposit Guarantee Scheme.
- Understanding of how the Deposit Guarantee Scheme works:
- Covered deposits
- Protected populations
- Coverage amounts
- Compensation timeline
- Awareness of the Fonds de Garantie des Dépôts et de Résolution (FGDR).
- Perception of the Fonds de Garantie des Dépôts et de Résolution (FGDR).
A detailed presentation of the results is available in each FGDR annual report, Chapter 3: Activity of the Year.
Click here to access detailed results.