Mazowiecki Bank Spółdzielczy w Łomiankach

Mazowiecki Bank Spółdzielczy w Łomiankach is a Polish cooperative bank based in Łomianki serving retail clients, small and medium-sized enterprises, farmers, and local government units in the Mazovian region. It operates under Polish banking law, is supervised by the Polish Financial Supervision Authority, and customer deposits are protected by the Bank Guarantee Fund up to the statutory limit of the euro equivalent of 100,000 per depositor. The bank’s core offer includes personal and business current accounts, savings accounts, term deposits, domestic payment services (including Elixir transfers, standing orders, and direct debits), debit cards under international schemes, cash services, and lending such as consumer loans, housing and mortgage financing, vehicle loans, working-capital and investment loans for businesses, and agricultural credit products. Digital channels provide standard access to accounts, payments, statements, and card controls, while branches remain a primary service channel. Pricing is set out in the Tariff of Fees and Commissions and the Interest Rate Table; typical charges cover account maintenance, card issuance and use, ATM withdrawals outside partner networks, and transfers, and interest conditions on deposits and loans are generally variable and linked to market benchmarks such as WIBOR/WIRON plus a margin. Account opening and credit decisions follow KYC/AML and creditworthiness assessments in line with regulation, with collateral and insurance required for secured lending where applicable. The bank participates in national payment infrastructures and ATM networks used by cooperative banks, supports domestic and international transfers (including SWIFT), and offers foreign-currency services where listed in its current product lineup. Governance follows the cooperative model with member shareholdings and statutory bodies (general meeting, supervisory board, management board). Product documents, service hours, and complaint procedures are available in branches and online, and complaints are handled within timelines required by Polish consumer and banking regulations.