Bank Spółdzielczy w Lipce

Bank Spółdzielczy w Lipce is a Polish cooperative bank based in Lipka that operates under the Polish Banking Law and the supervision of the Polish Financial Supervision Authority (KNF), with deposits covered by the Bank Guarantee Fund (BFG) up to the PLN equivalent of EUR 100,000 per depositor. It serves retail customers, farmers, and micro and small enterprises in its local area, providing current and savings accounts, term deposits, debit cards under major card schemes, domestic transfers in the Elixir system, and remote access via internet and mobile banking with strong customer authentication and 3-D Secure for online card transactions. Lending covers consumer purposes, housing needs, and working-capital or investment financing for small businesses and agriculture, subject to standard credit assessment and collateral requirements. The physical service footprint is regional, centered on Lipka and nearby localities, while nationwide access is delivered through electronic channels. Fees and interest rates are set out in publicly available schedules; pricing depends on the selected account or service package and applies to cash operations, transfers, and card usage according to the bank’s tariff. As a cooperative, governance is exercised by members through statutory bodies, and the bank publishes the disclosures and reports required of institutions in the cooperative banking sector.