Bank Spółdzielczy w Kłodzku

Bank Spółdzielczy w Kłodzku is a regional cooperative bank based in Kłodzko that serves retail clients, farmers, small and medium-sized enterprises, and local institutions in its surrounding area. It offers standard banking products such as PLN current and savings accounts, term deposits, payment cards, and cash services at branches, along with domestic transfers and selected cross-border payments. On the credit side, the bank provides consumer cash loans, mortgages, overdrafts, and business financing for working capital and investments, with solutions commonly used by agricultural clients where applicable. Access is delivered through a local branch network and remote channels, including internet banking for individuals and businesses; account opening and certain transactions may require in-person identity verification in line with Polish regulations. Pricing is set out in a published tariff covering account maintenance, card issuance and use, transfers, and cash handling; deposit and loan interest rates are posted in separate schedules and can change with market conditions. The bank is supervised by the Polish Financial Supervision Authority (KNF), and client deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor. It applies standard security measures required under PSD2, including strong customer authentication, and processes personal data in accordance with GDPR. Prospective customers should review the current tariff, interest tables, and eligibility criteria provided by the bank before choosing products.