Bank Spółdzielczy w Wojsławicach

Bank Spółdzielczy w Wojsławicach is a Polish cooperative bank based in Wojsławice that focuses on serving residents, farmers, and small businesses in its local area. It offers standard retail and SME banking services such as current and savings accounts, term deposits, domestic PLN payments (including Elixir transfers, standing orders, and direct debits), payment cards, cash services, and lending for consumer, agricultural, and business purposes (both secured and unsecured). The bank operates under the cooperative model governed by Polish cooperative law, with capital formed by member share contributions and decision-making conducted through cooperative governance bodies, and it delivers services through a small branch footprint supported by electronic banking with online access and strong customer authentication in line with PSD2. Bank Spółdzielczy w Wojsławicach is a licensed credit institution supervised by the Polish Financial Supervision Authority (KNF), and deposits are protected by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor, per bank, according to statutory limits. Pricing, interest rates, and eligibility criteria are set out in the bank’s tariff and regulations and vary by product and risk profile, while credit decisions follow internal underwriting standards and collateral requirements. Given its regional scope, the product range, digital features, and service availability are centered on its local catchment area, but it covers core day-to-day banking needs for individuals and micro/SME entities, with onboarding and documentation requirements aligned with Polish law and AML/KYC rules.