Powiatowy Bank Spółdzielczy w Zamościu

Powiatowy Bank Spółdzielczy w Zamościu is a cooperative bank based in Zamość that focuses on serving individuals, micro and small businesses, farmers, and local institutions in its region. Its product scope typically includes current and savings accounts in PLN, term deposits, domestic and cross-border transfers, payment cards, and lending such as consumer, housing, and business loans, with collateral, fees, and interest rates set under published tariffs and tables. The bank operates under Polish banking law and the supervision of the Polish Financial Supervision Authority (KNF), and eligible deposits are protected by the Bank Guarantee Fund (BFG) up to the statutory limit of the equivalent of EUR 100,000 per depositor. Governance follows the cooperative model in which members hold cooperative shares and exercise voting rights through statutory bodies; day-to-day management is performed by a management board overseen by a supervisory board. Distribution centers on branches in the Zamość area, complemented by remote channels such as online banking and service lines; online access is subject to PSD2 standards for strong customer authentication and third‑party connectivity via APIs. Payments are processed through national clearing systems for domestic transfers and via SEPA/SWIFT for international transfers. The bank publishes required regulatory and financial disclosures and applies KYC/AML procedures consistent with local regulations.