Powiatowy Bank Spółdzielczy w Kędzierzynie-Koźlu

Powiatowy Bank Spółdzielczy w Kędzierzynie-Koźlu is a Polish cooperative bank based in Kędzierzyn-Koźle that provides retail and business banking in its local market. The product set includes current and savings accounts, term deposits, payment cards, domestic transfers, cash services, and lending such as consumer, housing and business loans. Access is offered via a regional branch network, complemented by online and mobile banking that use strong customer authentication consistent with PSD2. As a cooperative, it operates on a member-based ownership model; customers can use services without joining the cooperative, while members hold shares and voting rights at the general meeting. The institution is supervised by the Polish Financial Supervision Authority (KNF), and eligible deposits are covered by the Bank Guarantee Fund (BFG) up to the statutory limit of the equivalent of EUR 100,000 per depositor. Fees, interest rates and contractual terms are defined in published tariffs and regulations, and credit decisions follow standard underwriting practices, including assessment of repayment capacity and collateral where applicable. The bank’s activity is oriented toward households, small businesses and agriculture in the county and surrounding area. Branch locations, service hours, up-to-date tariffs and legal documents are available through the bank’s official communication channels.