Bank Spółdzielczy w Białobrzegach

Bank Spółdzielczy w Białobrzegach is a Polish cooperative bank based in Białobrzegi, operating under the Banking Law and supervised by the Polish Financial Supervision Authority (KNF). Deposits are protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. The bank offers standard services for individuals, farmers, and small businesses, including payment and savings accounts, term deposits, domestic transfers, basic international transfers, debit cards, and lending such as cash loans, housing loans secured by real estate, overdrafts, working-capital and investment financing, and agriculture-focused credit. Service is provided through local branches and remote channels such as internet banking; availability of mobile access and specific payment features depends on the current offer. Account opening requires identity verification and, for businesses, relevant CEIDG/KRS and tax documents. Pricing is set by published tariffs and interest tables; account maintenance, transfer, cash handling, and card fees vary by package, while loan costs depend on product type, collateral, risk profile, and can include commissions and insurance. Strong customer authentication is used for digital access and payments in line with PSD2. The bank’s geographic footprint is local and ATM access depends on network affiliations, which can influence cash withdrawal fees outside the region. Loan interest rates may be variable and can change over time; early repayment terms, collateral rules, and ancillary charges follow Polish regulations and the bank’s conditions. Prospective clients should consult the current schedule of fees and charges, product regulations, general terms, and pre-contractual information before applying.