FPV

What FPV does

FPV (legal name: Garanční systém finančního trhu, DBA: GSFT) is the Czech Republic's statutory deposit insurance and bank crisis resolution scheme, established under Czech law and aligned with EU Directive 2014/49/EU. It manages two core funds — the Deposit Insurance Fund (Fond pojištění vkladů, also branded FPV), which compensates depositors up to EUR 100,000 per depositor per institution in the event of a bank failure, and the Crisis Resolution Fund (Fond pro řešení krize), which supports orderly resolution of failing financial institutions. FPV is headquartered at Týn 639/1, 110 00 Prague 1, with 47 employees, and serves Czech households, SMEs, and corporations holding deposits at member institutions, as well as the member banks, credit unions, and licensed financial institutions themselves.

The organization is not a technology or commercial-services company; its product surface comprises the two regulated funds, an ongoing payouts tracking service, downloadable administrative forms (power of attorney, increased compensation requests, complaint protocols), multilingual information brochures, and public financial-literacy content (YouTube educational videos including 'Co dělat při krachu banky' and interactive quizzes on Qz.app.do). The website is available in seven languages (CZ, EN, DE, RU, NL, PL, HU), reflecting a public-mandate orientation rather than a commercial go-to-market.

FPV is funded through mandatory contributions from member banks, credit unions, and other licensed financial institutions; for 2026, member institutions may elect to settle their Deposit Insurance Fund contribution via an irrevocable payment undertaking (neodvolatelný platební příslib). As a government-backed statutory body it has no private owners, no equity investors, and no commercial pricing model — individual depositors receive protection at no direct cost. There are no disclosed funding rounds, M&A, subsidiaries, partnerships, patents, certifications, or revenue figures in the available data.

Name

FPV

Legal name

Garanční systém finančního trhu

Website

https://fpv.cz

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

FPV (Garanční systém finančního trhu) is the Czech Republic's statutory deposit insurance and bank crisis resolution fund, protecting depositors up to EUR 100,000 and funded by mandatory contributions from member banks and credit unions.

Ownership category

akta.pro rank

Product category

Deposit Insurance

NAICS

Other Insurance Funds (525190)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Payments Operations (ACH/Wire/RTGS, SWIFT, SEPA, Checks) (FSABALAB)

Keywords

• Deposit insurance
• Crisis resolution
• Financial guarantee system
• Bank resolution fund
• Deposit protection

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Others

Revenue model

1. Contributions from member financial institutions: FPV is funded through mandatory contributions from banks, credit unions, and other financial institutions that are members of the guarantee system. These include an annual contribution to the Deposit Insurance Fund (Fond pojištění vkladů) and contributions to the Crisis Resolution Fund (Fond pro řešení krize). The contribution in 2026 may be made via irrevocable payment undertaking (neodvolatelný platební příslib).

Distribution channels1 record

Marketing channels5 records

Core offering

FPV (Garanční systém finančního trhu / GSFT) administers the Czech Republic's statutory deposit insurance scheme through the Deposit Insurance Fund (Fond pojištění vkladů, FPV), protecting depositors up to EUR 100,000 per depositor per institution. It also runs the Crisis Resolution Fund (Fond pro řešení krize), which provides orderly resolution of failing banks and credit unions to maintain stability of the Czech financial market.

Product overview

FPV (Garanční systém finančního trhu) operates as a Czech financial guarantee system managing two core services: the Deposit Insurance Fund (protecting deposits up to 100,000 EUR) and the Crisis Resolution Fund (for bank crisis management). The organization provides educational resources through YouTube and Qz.app.do, downloadable information brochures in PDF format, and various administrative forms (power of attorney, compensation requests, complaint protocols). This is a regulatory/governmental institution, not a technology product company.

Differentiator

Problem solved

Functional benefit

Brands

• Fond pojištění vkladů (FPV): Deposit Insurance Fund - one of three funds managed by GSFT for protecting deposits and resolving bank crises
• Fond pro řešení krize

Products and services

• Fond pojištění vkladů (Deposit Insurance Fund, FPV) Statutory deposit insurance fund that compensates depositors up to EUR 100,000 per depositor per financial institution in the event that a Czech member bank or credit union fails. Funded through mandatory annual contributions from member institutions.
• Fond pro řešení krize (Crisis Resolution Fund) Statutory fund dedicated to the orderly resolution of failing Czech financial institutions, providing a framework to maintain financial system stability and prevent systemic risk.

Quantifiable outcome

• Deposit coverage up to EUR 100,000 per depositor per institution

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Financial Services Compensation Scheme (FSCS): The UK's statutory compensation scheme of last resort covering deposits, insurance, and investments—broader in scope than FPV but functionally comparable as a depositor protection body.
• Federal Deposit Insurance Corporation (FDIC): The US federal deposit insurance corporation, the global benchmark for deposit insurance. Operates under a different statutory framework but is functionally the international analogue for deposit guarantee and bank resolution.
• Einlagensicherungsfonds (EdB) / Deutsche Bundesbank: Germany's deposit protection architecture includes the statutory Compensation Scheme of German Banks and the voluntary Einlagensicherungsfonds. As a much larger EU member state, Germany serves as a broader incumbent comparable in mandate though not in scale.

Regional players

• Single Resolution Board (SRB): The EU's central resolution authority for significant banks under the Banking Union. While FPV operates at the national level, SRB sets the broader EU resolution framework that interacts with FPV's Crisis Resolution Fund.

Direct peers

• Bankowy Fundusz Gwarancyjny (BFG): Poland's statutory deposit guarantee and bank resolution fund, structurally and functionally the most direct peer to FPV—an EU peer deposit guarantee scheme operating under the same EU Directive 2014/49/EU framework with a similar dual mandate.
• Fondo Interbancario di Tutela dei Depositi (FITD): Italy's interbank deposit protection fund, an EU peer operating under the same directive with a similar cooperative banking-sector structure and crisis resolution role.
• Fondo de Garantía de Depósitos (FGD): Spain's Deposit Guarantee Fund, providing EU-aligned deposit protection and bank resolution functions—directly comparable in mandate and structure though serving a larger market.
• Országos Betétbiztosítási Alap (OBA): Hungary's National Deposit Insurance Fund, providing statutory deposit protection under EU harmonization—comparable in function, size-appropriate for a Central European market, and a regional peer.
• Depositogarantiestelsel (DGS): Netherlands' statutory deposit guarantee scheme, an EU peer operating under the same directive with comparable EUR 100,000 coverage and resolution mandate.
• Fond pojištění vkladů (Slovakia): Slovakia's statutory deposit insurance fund, sharing Czech's legal tradition, EU regulatory framework, and a near-identical EUR 100,000 coverage structure—making it a directly comparable peer.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat1 record

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/gsftcz
• Facebookfacebook.com/GarancniSystem
• LinkedInlinkedin.com/company/fpv

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about FPV