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Protect yourself from cyber scams!

Remember that the FGD will never contact you by phone, WhatsApp, Telegram, any social network or other channel to ask you for codes, passwords or to make payments or deposits. At the slightest doubt, contact the FGD through the official channel (https://www.fgd.es/en/get-in-touch/).

Illustration showing a mobile phone with warning icons and cybercrime symbols, representing the danger of cyber scams via mobile devices. The image highlights the need to be alert to potential fraud and protect digital security.Illustration showing a mobile phone with warning icons and cybercrime symbols, representing the danger of cyber scams via mobile devices. The image highlights the need to be alert to potential fraud and protect digital security.

The FGD guarantees your deposits

The aim of the FGD is to guarantee clients’ deposits when they are held by the affiliated credit institutions in accordance with the provisions of the regulations, providing them with greater security, protection and peace of mind, thus contributing to the stability of the financial system as a whole.

Illustration of a woman pointing to an umbrella protecting bank documents.Illustration of a woman next to a man pointing to an umbrella protecting bank documents.
What's the FGD?
What does the FGD guarantee (I)
What does the FGD guarantee (II)
What does the FGD guarantee (III)
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Who makes the decisions at the FGD?
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Did you know…How much money does the FGD guarantee?

How much money does the FGD guarantee?

The FGD guarantee will become effective if one of the FGD member institutions has declared bankrupt and cannot return the money to its clients.

The FGD guarantees up to €100,000 per holder and per financial institution. However, in certain cases, the total amount deposited can be guaranteed.

This would affect deposits made in the three months prior to the date on which it is determined that the institution concerned is unable to refund the deposits that:

  • come from transactions involving residential or private real estate.
  • those arising from payments received on a timely manner and linked to marriage, divorce, retirement, dismissal, invalidity or death.
  • or based on the payment of insurance proceeds or damages resulting from a criminal offence or a miscarriage of justice.

In the case of money deposited in a currency other than the euro, the amount guaranteed shall be its equivalent at the exchange rate prevailing on the date on which it is established that the institution is unable to refund the money or on the previous business day if it is a public holiday.

What is NOT guaranteed by the DGF?

The FGD does not guarantee certain types of deposits, mainly those for which the institution concerned did not ensure full refund of the nominal fee, or certain companies, such as insurance or investment companies.

We answer the most frequently asked questions from our users:

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