Ikano Bank AB (publ) Spółka Akcyjna Oddział w Polsce

Ikano Bank AB (publ) Spółka Akcyjna Oddział w Polsce is the Polish branch of Ikano Bank AB (publ), a Swedish bank headquartered in Malmö and part of the Ikano Group. The branch operates in Poland under EU passporting rules; prudential supervision rests with Sweden’s Finansinspektionen, while the Polish Financial Supervision Authority (KNF) oversees certain conduct and consumer-protection matters. In the local market the institution focuses on consumer finance, offering unsecured cash loans and point‑of‑sale installment financing through selected retail partners rather than full‑service transactional banking. Applications are handled online or at partner locations, with identity checks and anti‑money‑laundering procedures performed under EU and Polish requirements; creditworthiness is assessed using income information and data from Polish credit registers such as BIK. Loan agreements follow Polish consumer‑credit law, including presentation of the standardized pre‑contractual information (SECCI), disclosure of APRC (RRSO), the right to withdraw within 14 days, the ability to repay early with proportional cost reductions, and statutory complaint deadlines (generally 30 days, extendable to 60 in complex cases). Pricing consists of interest and contractual fees, and optional add‑ons (for example, insurance) where offered; payment discipline is reported to credit bureaus and arrears may trigger collection steps permitted by law. If the branch accepts deposits, coverage falls under the Swedish deposit guarantee scheme administered by the National Debt Office (Riksgälden) up to the amount set by Swedish law, not the Polish BFG. Customer service is provided via digital channels and call center, with complaints handled through the bank’s internal process and, if unresolved, eligible for escalation to the Polish Financial Ombudsman. Terms, eligibility, and available products can change without notice and are defined in the current contractual documentation.