Bank Spółdzielczy "Bank Rolników" w Opolu

Bank Spółdzielczy "Bank Rolników" w Opolu is a Polish cooperative bank operating locally in Opole and nearby areas, providing retail, agricultural, and small-business banking under the Polish Banking Law and Cooperative Law, supervised by the Polish Financial Supervision Authority (KNF) with deposits protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. The bank offers standard current and savings accounts, term deposits, debit cards with ATM access, domestic transfers and SEPA transfers, as well as online and mobile banking for everyday payments and account management. Lending typically includes consumer cash loans, account overdrafts, car and housing loans, and financing for micro and small enterprises and farms, with variable-rate products generally referencing WIBOR or WIRON plus a margin; fees and interest conditions are set out in published schedules and can differ by product and customer segment. As a cooperative, it functions on a membership basis (members’ shares and voting rights) and focuses on regional service via a limited branch network, with digital channels covering core functions but a feature set that may be narrower than at large nationwide banks; identity verification and some onboarding or credit processes may require in-branch steps. Card transactions use standard security (contactless, PIN, 3‑D Secure), strong customer authentication applies under PSD2, and foreign transfers are handled through correspondent banking where applicable. Pricing, limits, and availability of services (including business products, cash handling, and digital features) are determined by the bank’s current tariff and regulations, and customers should verify the latest terms and any network or partner arrangements before opening an account or applying for credit.