Bank Spółdzielczy w Lubrańcu

Bank Spółdzielczy w Lubrańcu is a locally focused cooperative bank headquartered in Lubraniec in the Kuyavian-Pomeranian region, operating under Polish banking law and supervised by the Polish Financial Supervision Authority (KNF). As a cooperative institution, it serves residents, farmers, and micro and small enterprises in its area, offering standard retail and business products such as PLN current and savings accounts, term deposits, domestic transfers (including standing orders and direct debits), and payment cards, alongside lending for consumers, housing purposes, working capital and investment needs, and agricultural financing; overdrafts and secured facilities are typically available subject to credit assessment. The bank provides in-branch service supported by remote channels, including online banking for individuals and businesses, for everyday account management and payments. Deposits are protected by the Bankowy Fundusz Gwarancyjny (BFG) up to the equivalent of EUR 100,000 per depositor per bank under statutory rules; cooperative membership shares, if acquired, are not deposits and are governed by separate provisions. Pricing, interest rates, and eligibility criteria are set by the bank and published in its schedules; fees can apply for card issuance and maintenance, cash operations, transfers, and out-of-network ATM usage, and rates are subject to changes in market conditions, including NBP policy. The institution’s branch and ATM footprint is local rather than nationwide, which may affect access and cash costs outside the area. Foreign currency and cross-border services may be available in limited scope, and the primary service language is Polish. Prospective clients should review the current tariff, product regulations, and required documentation before applying.