Łużycki Bank Spółdzielczy w Lubaniu

Łużycki Bank Spółdzielczy w Lubaniu is a Polish cooperative bank headquartered in Lubań (Lower Silesian Voivodeship) that provides retail and business banking to local customers, including individuals, micro and small enterprises, farms, and public sector entities. Its core offer typically covers PLN current and savings accounts, term deposits, domestic transfers, card payments and cash services, along with lending such as consumer loans, overdrafts, mortgage-secured housing loans, and working-capital and investment financing for businesses and agriculture, as well as guarantees. The bank operates a regional branch network and provides remote channels for day‑to‑day banking; availability of specific online and mobile functions, remote onboarding, and cash services follows its current procedures and tariff. Pricing and interest conditions are set by the bank and published in its schedule of fees and commissions and interest tables; credit is granted subject to assessment, documentation, and collateral requirements as applicable. As a cooperative, governance follows member-based statutes, with disclosures and financial statements available in statutory publications. The bank is supervised by the Polish Financial Supervision Authority and participates in the statutory deposit guarantee scheme administered by Bankowy Fundusz Gwarancyjny, which covers eligible deposits up to the equivalent of EUR 100,000 per depositor. Online channels use strong customer authentication in line with PSD2, and payment cards support 3-D Secure for e-commerce where enabled. Domestic and cross-border payments are supported through standard clearing systems, with IBAN and SWIFT used for international transfers; euro SEPA transfers and foreign-currency accounts may be available depending on the current offer. Customers should consult the bank’s general terms, fee schedule, interest tables, and privacy notice for detailed conditions and operational limits.