Bank Spółdzielczy Rzemiosła w Krakowie

Bank Spółdzielczy Rzemiosła w Krakowie is a Polish cooperative bank based in Kraków that serves individuals and locally operating businesses, including trades and micro and small enterprises. Its core offer includes PLN current accounts and savings products, term deposits, payment cards, cash services, and domestic and international transfers, complemented by electronic banking for remote access and transaction management. On the credit side, the bank provides consumer and housing financing for retail clients and overdrafts, working-capital and investment loans for firms, with collateral and documentation requirements defined in product regulations. Pricing is set out in publicly available tariffs and tables of fees and commissions, with separate schedules for retail and business customers; interest conditions depend on product type and market rates. As a cooperative institution, it operates under Polish law and the supervision of the Financial Supervision Authority (KNF), and deposits are protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor per institution. Electronic channels employ standard authentication measures consistent with PSD2 strong customer authentication, and the bank publishes applicable terms, privacy notices and security guidance. Branch access is limited to its local footprint, so availability of in-person services and cash operations depends on location, and account opening and lending require identity verification and, for businesses, relevant registration and financial documents.