PLUS BANK S.A.

PLUS BANK S.A. is a Polish commercial bank headquartered in Warsaw, operating under Polish and EU banking regulations and supervised by the Polish Financial Supervision Authority (KNF). The institution traces its origins to Invest-Bank S.A., adopting its current name after a rebranding and focusing on retail and small-business clients with standard products such as current and savings accounts, term deposits, payment cards, and unsecured lending; corporate services cover everyday transactional banking and basic financing solutions. Accounts can be opened in branches or remotely where eligibility and verification allow, and day-to-day banking is supported by online and mobile channels with strong customer authentication and 3D Secure for card payments; open-banking interfaces are available in line with PSD2 for consented data sharing and payment initiation. The bank processes domestic transfers and SEPA payments and supports international transfers via standard correspondent banking arrangements; card issuance typically uses global schemes (e.g., Mastercard or Visa) depending on product. Fees, interest rates, and limits are set out in its tariffs and are subject to change; lending decisions depend on credit assessment and applicable risk policies. PLUS BANK participates in Poland’s Bank Guarantee Fund (BFG) deposit protection system, which covers eligible deposits up to the equivalent of EUR 100,000 per depositor per institution in the event of bank failure. The bank maintains a smaller branch footprint than the largest nationwide banks and positions its services primarily for straightforward retail and SME banking needs, with product availability, digital features, and service hours detailed in its official customer disclosures.