Bank Spółdzielczy w Krzywdzie

Bank Spółdzielczy w Krzywdzie is a Polish cooperative bank headquartered in Krzywda that focuses on serving individuals, farmers, and local micro and small businesses in its catchment area. As a member-owned cooperative, it operates under the Polish Banking Law and the Act on Cooperative Banks; clients can become members by taking up cooperative shares (udziały) and exercise voting rights at the general meeting. The bank offers standard retail and SME products, including current accounts, savings accounts, term deposits, payment cards, domestic transfers, standing orders, and cash services, as well as lending such as consumer cash loans, mortgages and housing-related loans, working capital and investment loans for businesses and agriculture, and basic merchant services. Online and mobile banking cover routine operations like transfers and card management, with strong customer authentication applied under PSD2; a dedicated API for licensed third parties is provided as required by law. Deposits are protected by the Bankowy Fundusz Gwarancyjny up to the PLN equivalent of EUR 100,000 per depositor, and the institution is supervised by the Komisja Nadzoru Finansowego. Pricing and interest terms are set out in the bank’s Taryfa opłat i prowizji and Tabela oprocentowania; variable-rate loans are typically indexed to market benchmarks such as WIBOR or WIRON, and collateral, insurance, and early repayment rules follow the published regulations and applicable statutes. The branch network is local, and some processes, including account opening and selected credit procedures, may require an in-person visit; detailed availability, limits, and fees should be verified in the bank’s current documentation.