Łódzki Bank Spółdzielczy

Łódzki Bank Spółdzielczy is a Polish cooperative bank headquartered in Łódź, operating a regional branch network and serving retail customers, micro and small businesses, farmers, and local institutions. Its core offer includes payment accounts, savings accounts and term deposits, domestic and cross‑border transfers (including SEPA), payment cards with contactless functionality, internet and mobile banking, and cash services at branches and ATMs. Lending covers consumer finance and secured financing for housing purposes, along with working‑capital and investment loans, overdrafts, and guarantees for businesses; leasing and insurance are typically provided via partners. As a cooperative, it is owned by members who subscribe cooperative shares and exercise voting rights under the bank’s statute, with profit allocation performed in line with cooperative law. Fees, commissions, and interest conditions are set in published tariffs and schedules; variable‑rate loans generally reference a market benchmark (such as WIBOR or WIRON) plus margin, and deposit rates reflect National Bank of Poland policy. The bank is supervised by the Polish Financial Supervision Authority (KNF), applies PSD2 strong customer authentication and 3‑D Secure for card payments, and adheres to AML/KYC and GDPR requirements. Deposits are covered by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor. Product availability, limits, and pricing can differ by customer segment and channel, with current terms provided in the bank’s official documentation.