Bank Spółdzielczy w Grójcu

Bank Spółdzielczy w Grójcu is a Polish cooperative bank based in Grójec that operates under the Banking Law and Cooperative Law, supervised by the Polish Financial Supervision Authority (KNF), with deposits covered by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. As a cooperative, membership is available through the acquisition of cooperative shares, with governance based on member voting under the cooperative statute. The bank serves retail, micro, SME and agricultural clients in its local market, offering PLN current and savings accounts, term deposits, domestic payments (including Elixir transfers, standing orders and direct debits), payment cards for cashless transactions and ATM withdrawals, and online/mobile banking for standard self-service. SEPA transfers in euros and other cross-border payments, as well as foreign currency services, are available where offered and subject to regulatory requirements. Lending covers consumer cash loans, mortgages secured on real estate, car and consolidation loans, and business working-capital and investment financing; interest may be fixed for a defined period or variable based on market benchmarks (such as WIBOR/WIRON) plus a margin, with creditworthiness assessment, collateral and insurance conditions applied as relevant. Fees and rates are set out in the published Tariff of Fees and Commissions and Interest Table; cash operations at the counter, card issuance/maintenance and ATM withdrawals outside designated networks can incur charges. Access is through the head office and local outlets, remote channels and a service desk; onboarding and selected instructions can require in‑person identity verification. Security measures align with PSD2 strong customer authentication and 3‑D Secure for online card payments, and personal data are processed under GDPR. Complaints are handled within statutory timelines, with the option to seek recourse from the Financial Ombudsman. Product scope, pricing, limits and eligibility vary by customer segment and are subject to change according to current regulations and the bank’s terms.