Bank Spółdzielczy w Piwnicznej - Zdroju

Bank Spółdzielczy w Piwnicznej-Zdroju is a Polish cooperative bank based in Piwniczna-Zdrój (Małopolskie), operating under the Banking Law and Cooperative Law, supervised by the Polish Financial Supervision Authority (KNF), with deposits covered by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. The bank focuses on retail, microbusiness, SME, and agricultural clients, offering PLN current and savings accounts, term deposits, domestic payments and transfers via national clearing systems, payment cards, cash services, and lending including consumer cash loans, mortgage-secured housing loans, working-capital and investment financing, and agricultural credit. Distribution is through local branches, online banking, and a mobile channel; functionality, limits, and cut-off times depend on the selected service package and channel. International transfers are available and are typically executed through the correspondent arrangements of the cooperative banking group; separate fees and longer processing times may apply. Pricing for account maintenance, cards, ATM withdrawals, transfers, and cash operations follows the bank’s published tariff and differs for individuals, businesses, and farmers; interest on deposits and credit is set according to market benchmarks and internal margins and may change during the term, subject to contract and regulations. As a cooperative, ownership rests with members who subscribe cooperative shares and exercise voting rights at the general meeting; products are available to non-members, though membership can influence access or terms per the statute. The bank operates primarily in its home region, does not provide investment banking or complex capital markets services, and handles complaints in-branch and remotely under statutory response deadlines; PSD2 obligations for open banking access apply.