Bank Spółdzielczy w Nowej Soli

Bank Spółdzielczy w Nowej Soli is a Polish cooperative bank headquartered in Nowa Sól, operating under the Polish Banking Law and supervised by the Polish Financial Supervision Authority (KNF), with deposits guaranteed by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. As a member-owned institution, it primarily serves local retail clients, micro and small businesses, and farmers within its region. The product set includes personal and business current accounts, savings accounts, term deposits, debit cards for ATM withdrawals and cashless payments, domestic transfers in the Elixir system (including standing orders and direct debits), and foreign transfers processed via SWIFT through correspondent banks. Lending covers cash/consumer loans, overdrafts, car financing, housing-related lending where offered, and business credit for working capital and investments, subject to credit assessment and collateral requirements for larger exposures. Digital banking provides online access for payments and account administration, with strong customer authentication implemented per PSD2, and 3D Secure for card transactions. Pricing is defined in the bank’s Tariff of Fees and Commissions and detailed regulations, including account maintenance charges, transfer costs, card fees, and ATM usage rules; interest conditions are published in the interest rate schedules, with variable loan rates commonly referencing market benchmarks (e.g., WIBOR/WIRON) plus a bank margin. The branch network is local, so physical access is concentrated in Nowa Sól and surrounding areas, while customer service and complaint handling follow Polish regulatory standards, with key documents available at branches and on the bank’s website.