Żuławski Bank Spółdzielczy

Żuławski Bank Spółdzielczy is a Polish cooperative bank serving individuals, small and medium-sized enterprises, farmers, and local institutions in the Żuławy region. As a cooperative, it is owned by its members, who hold cooperative shares and exercise voting rights under the one-member-one-vote principle. The bank provides current and savings accounts in PLN, term deposits, payment services (domestic transfers via the Elixir system, standing orders, direct debits), bank cards (typically Visa or Mastercard) enabling contactless and online payments, and cash services at branches and ATMs subject to the card issuer’s network arrangements. Lending covers consumer loans, mortgages subject to credit assessment and collateral, business credit lines and investment financing, and products tailored to agricultural activity. For cross-border payments, the bank supports foreign transfers, including SEPA for euro transactions; fees, cut-off times, and execution speeds follow the published tariff and schedule. Digital access includes online and mobile banking with strong customer authentication under PSD2, and card transactions use 3-D Secure; some features (for example instant transfers or selected mobile wallets) may be available depending on current service configurations. The bank is supervised by the Polish Financial Supervision Authority (KNF), and deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor; cooperative shares are not covered by the guarantee. Pricing, interest rates, and eligibility criteria are defined in the bank’s terms and conditions and tariff, and certain products may require in-person onboarding and communication in Polish.