Bank Spółdzielczy w Obszy

Bank Spółdzielczy w Obszy is a regional cooperative bank based in Obsza (Lublin Voivodeship) operating under Polish banking law and supervised by the Polish Financial Supervision Authority (KNF). It provides core services for individuals, farmers, micro and small enterprises, and local institutions, including PLN current and savings accounts, term deposits, payment cards, cash services, domestic transfers, standard cross-border transfers, and lending such as consumer loans, car loans, mortgages, and working-capital or investment financing. Cashless settlement instruments such as standing orders and direct debits are available. Distribution relies on a small local branch footprint supported by internet and mobile banking and basic phone service. As a cooperative, it may offer membership (udziały) with voting rights in the general meeting; being a client does not by itself confer membership. Prices are set in publicly available tariffs; charges typically apply for account maintenance, cards, and selected transfers, and rates and fees change over time. Onboarding and some services may require an in-person visit and may be oriented to clients from the surrounding area. Deposits are protected by the Bankowy Fundusz Gwarancyjny (BFG) up to the equivalent of EUR 100,000 per depositor per bank, subject to statutory conditions. The bank operates within Poland’s cooperative banking infrastructure for payments and clearing. Prospective customers should review current terms, eligibility criteria, and fee schedules directly with the bank before applying.