Bank Spółdzielczy w Malborku

Bank Spółdzielczy w Malborku is a Polish cooperative bank headquartered in Malbork and operating under the supervision of the Polish Financial Supervision Authority (KNF), with deposits covered by the Bank Guarantee Fund (BFG) up to the PLN equivalent of EUR 100,000 per depositor per bank. It provides core services for individuals, agriculture, and micro and small enterprises, including current and savings accounts (primarily in PLN), term deposits, payment cards, domestic transfers processed via the Elixir clearing system, euro transfers within SEPA, cash handling, and retail and business lending subject to credit assessment; pricing, limits, and conditions are specified in the bank’s published fee tariff, interest tables, and product regulations. Access is available through branches in its operating area and remote channels such as internet banking and, where available, a mobile application; specific functionalities, cut-off times, and authentication methods are defined in service terms and the PSD2 strong customer authentication framework. As a cooperative, the bank is owned by its members who subscribe cooperative shares and hold voting rights, while day-to-day banking services are available to non-member customers; governance follows the cooperative model with a supervisory board and a management board acting under the statute. The bank publishes legally required documents, including tariffs, interest schedules, key information documents for consumer products, and complaint-handling procedures, and applies standard AML/KYC rules and data-protection requirements. Its activity is regional, with service and credit decisions taken within the local footprint and in line with national prudential regulations.