Gospodarczy Bank Spółdzielczy Radków z/s w Nowej Rudzie

Gospodarczy Bank Spółdzielczy Radków z/s w Nowej Rudzie is a Polish cooperative bank with its registered office in Nowa Ruda and a local footprint focused on Radków, Nowa Ruda and nearby municipalities in the Lower Silesian region. It operates under Polish banking and cooperative law, is supervised by the Polish Financial Supervision Authority (KNF), and participates in the statutory deposit guarantee scheme administered by the Bank Guarantee Fund (BFG), which protects eligible deposits up to the equivalent of EUR 100,000 per depositor per institution. The bank’s product set typically includes PLN current and savings accounts, term deposits, payment cards, domestic transfers via the ELIXIR system, euro transfers within SEPA, and foreign transfers using SWIFT, alongside lending for households, micro and small enterprises, and farmers (e.g., cash loans, mortgages secured on real estate, working-capital and investment loans). Access channels generally cover branch cash services, telephone contact, and internet and mobile banking with standard authentication controls. Pricing, fees and interest rates are set by published tariffs and product schedules, and account opening requires standard identification (e.g., national ID and PESEL for individuals; CEIDG/KRS excerpts, company documents and representative authorizations for businesses). As a cooperative, the bank’s ownership structure is member-based, and customers may apply for membership by acquiring cooperative shares, which confer governance rights according to the statute. The bank applies risk management and compliance frameworks aligned with Polish and EU regulations, including AML/KYC requirements. Details of availability, limits and service features are determined by the bank’s current terms and conditions; prospective clients should review the latest tariffs, product regulations and disclosures provided at branches or on the bank’s official website.