Credit Agricole Bank Polska S.A.

Credit Agricole Bank Polska S.A. is a Polish commercial bank controlled by France’s Crédit Agricole Group, headquartered in Wrocław and operating under the supervision of the Polish Financial Supervision Authority (KNF); retail and corporate deposits are protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. The bank serves retail, SME, corporate, and agribusiness clients, offering current and savings accounts, term deposits, debit and credit cards (Visa and Mastercard), consumer loans, mortgages, overdrafts, business financing, and access to leasing and insurance through group entities; it also distributes investment funds subject to MiFID II rules. Payment capabilities include domestic transfers (with instant transfers where available), SEPA in EUR, and SWIFT for other currencies, along with support for BLIK and major mobile wallets such as Apple Pay and Google Pay; foreign currency accounts in widely used currencies are available, with fees and FX spreads applicable. Services are delivered through a nationwide branch network, online banking, and the CA24 mobile app, with strong customer authentication under PSD2 and open banking APIs for permitted third-party access. Pricing follows typical Polish market structures: maintenance and card fees are often condition-based, ATM withdrawals may incur charges outside preferred networks or beyond set limits, instant transfers and cross-border payments carry additional fees, and promotional rates or cash-back programs are time-limited and subject to detailed terms. PLN lending is commonly referenced to interbank benchmarks plus a margin (the market is transitioning from WIBOR to WIRON), so borrowing costs vary with interest rate changes; arrangement, early repayment, and collateral-related fees can apply. Corporate banking includes cash management, trade finance, and FX hedging, with leasing and factoring provided via group companies. The bank publishes IFRS financial statements and regulatory disclosures (including Pillar 3) and aligns with group-level risk, capital, and ESG frameworks; credit ratings assigned by major agencies reflect its integration with and potential support from the parent group. Account opening, transaction limits, sanctions/AML screening, and product availability depend on regulatory requirements and internal policies, and terms and fees can change; prospective customers should review the current tariff, product regulations, and disclosure documents before engaging.