In what is rapidly becoming the most shocking transfer story of the 2026 January window, Girona FC have reportedly reached a verbal agreement with FC Barcelona to sign legendary goalkeeper Marc-André ter Stegen on a six-month loan deal.
As of Tuesday, January 20, 2026, the move—which seemed impossible just days ago—is now nearing completion, marking a historic shift in the Catalan football landscape.
The "Why": A Tactical and Financial Pivot
The move is a result of a perfect storm of circumstances at both clubs:
The Barcelona Standpoint: Despite Ter Stegen being a club legend, Hansi Flick’s side has seen a rise in the prominence of Inaki Peña and the recent acquisition of a younger long-term prospect. By letting Ter Stegen leave on loan, Barça significantly slashes their wage bill for the second half of the season, helping them meet strict La Liga financial regulations.
The Girona Ambition: Currently fighting for a top-four spot and deep in European competition, Girona lost their starting goalkeeper to a long-term injury last week.
Backed by the City Football Group, they have the financial muscle to cover a substantial portion of the German’s wages.
The Player’s Desire: Reports suggest Ter Stegen is seeking a fresh environment for the next six months to ensure he remains the undisputed No. 1 for Germany heading into the 2026 World Cup, especially following the intense pressure at the Camp Nou this season.
A Historic "First"
If the deal is finalized, it will be the first time in modern history that a club captain of Barcelona has moved directly to a local rival like Girona while still in his prime. The move signals the growing status of Girona, who are no longer just "the neighbors" but a legitimate powerhouse in Spanish football.
Journalist Gerard Romero: "It’s a 'bombshell.' Ter Stegen wants minutes, Barça wants the salary space, and Girona wants a wall. Everything has aligned in the last 24 hours."
The Verdict: While the move is only a loan, it represents a massive gamble for Barcelona and a monumental coup for Girona. All eyes will now be on the medical staff at Montilivi to see if the deal is ratified before the weekend.