Powiatowy Bank Spółdzielczy w Złotoryi

Powiatowy Bank Spółdzielczy w Złotoryi is a regional cooperative bank based in Złotoryja (Lower Silesian Voivodeship) operating under Polish banking law and serving retail customers, local businesses, public entities, and the agricultural sector. Its product set typically covers personal and business current accounts, savings accounts and term deposits, payment cards, domestic and cross-border transfers, and lending for consumers, enterprises, and farms. Access is provided through branches and remote channels, including online and mobile banking with strong customer authentication aligned with PSD2 and 3‑D Secure for card payments. As a cooperative, ownership rests with members, and governance is exercised by a general meeting, supervisory board, and management board. Deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor per bank, subject to statutory conditions. The bank is supervised by the Komisja Nadzoru Finansowego. Pricing, interest rates, and eligibility criteria are set out in the bank’s tariff and regulations and may change; product availability can vary by customer segment and risk profile. The institution maintains a local focus centered on its operating area, emphasizing in-person service alongside standard remote banking channels.