Bank Spółdzielczy w Połańcu

Bank Spółdzielczy w Połańcu is a Polish cooperative bank based in Połaniec that serves local retail clients, farmers, small businesses, and institutions in the surrounding region. Its core offer typically includes PLN current and savings accounts, time deposits with various maturities, payment cards, online and mobile banking access, domestic transfers via the Elixir system, international transfers including SEPA credit transfers, cash services at branches, and lending products such as consumer, housing, working-capital, and investment loans. Fees and commissions are set out in the bank’s tariff (TOiP) and may apply to account maintenance, transfers, card issuance and use, ATM withdrawals outside partner networks, and cash operations; interest rates on deposits and loans are product-specific and subject to change, with loan pricing commonly based on a bank margin plus a market benchmark (e.g., WIBOR/WIRON) according to contract terms. As a cooperative entity, the bank operates under Polish Banking Law and Cooperative Law, is supervised by the Polish Financial Supervision Authority (KNF), and participates in the Bank Guarantee Fund (BFG) scheme that protects eligible deposits up to the equivalent of EUR 100,000 per depositor per institution. Digital channels are subject to PSD2 requirements, including strong customer authentication and open-banking interfaces, and card payments use 3D Secure where applicable. The exact scope of services—such as instant transfers, mobile wallet support, merchant acquiring, or the breadth of the branch and ATM network—depends on the current offer and partner arrangements; prospective customers should verify up-to-date conditions, fees, and eligibility in the bank’s tariff and product regulations provided on its official channels.