Spółdzielczy Bank Ludowy w Kępnie

Spółdzielczy Bank Ludowy w Kępnie is a regional cooperative bank headquartered in Kępno that provides retail and SME banking focused on its local market. Operating under Polish Banking Law and supervised by the Polish Financial Supervision Authority (KNF), it functions as a cooperative, with membership rules and voting rights defined in the bank’s statute. The product range typically includes PLN current and savings accounts, term deposits, debit cards for cash and cashless payments, domestic transfers with standing orders and direct debits, and lending for households (e.g., consumer and housing loans) as well as working-capital and investment financing for businesses and farms. Services are delivered through branches and remote channels, including electronic banking via internet and mobile access, with authentication aligned to PSD2 strong customer authentication requirements and 3D Secure for online card transactions. Deposits are protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor per bank. The bank publishes its tariff of fees and commissions, interest rate tables, and product regulations, which detail charges for account packages, cards, transfers, cash operations, and credit costs; actual pricing and eligibility depend on the chosen product and credit assessment. The institution’s reach and offer are oriented to everyday banking needs in its home area rather than specialized corporate or capital markets services, so prospective clients should review the current terms and availability before opening an account or applying for financing.