Bank Spółdzielczy w Witkowie

Bank Spółdzielczy w Witkowie is a Polish cooperative bank based in Witkowo that operates under the Cooperative Law and Banking Law, supervised by the Polish Financial Supervision Authority (KNF), with deposits guaranteed by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. As a local cooperative institution, it serves individual, agricultural, and small business customers in its area, offering standard retail and business banking products such as current and savings accounts, term deposits, consumer and business financing, and payment cards with contactless capability and 3D Secure for online transactions. The bank provides branch services alongside online and mobile banking for day-to-day operations including domestic transfers, standing orders, and direct debits; domestic payments are cleared via KIR’s ELIXIR system on business days, and euro transfers are available through SEPA in line with Polish market standards. Strong Customer Authentication under PSD2 is applied, and account opening and lending processes follow KYC/AML requirements and creditworthiness assessments set by regulation. The bank publishes its fee and commission tariff, interest rate tables, and product regulations, which include details such as cut-off times for transfers, cash handling rules, and charges for cards and accounts.