Ludowy Bank Spółdzielczy w Obornikach

Ludowy Bank Spółdzielczy w Obornikach is a Polish cooperative bank based in Oborniki (Wielkopolskie), operating under the Cooperative Law and the Banking Law and supervised by the Polish Financial Supervision Authority (KNF). It serves retail clients, farmers, micro and small enterprises, and local institutions, offering current and savings accounts, term deposits in PLN, domestic Elixir transfers, international transfers (including SEPA for EUR), debit cards, cash services, and standard e‑banking channels for payments and account management with strong customer authentication in line with PSD2. Credit products include consumer loans, overdrafts, mortgages in PLN, and financing for businesses and agriculture such as working capital and investment loans; collateral and pricing follow the bank’s credit policy. As a cooperative, customers can become members by acquiring cooperative shares, which confer voting rights in the general meeting; membership is distinct from being a client. The bank maintains a local branch and service footprint in Oborniki and nearby localities and provides remote service via internet and telephone; service and documentation are primarily in Polish. Fees, interest rates, and product conditions are set in the bank’s tariff and regulations and may differ by segment and channel; account opening requires identity verification and standard KYC documentation, with additional requirements for firms and non‑residents. Eligible deposits are protected by the statutory guarantee scheme of the Bankowy Fundusz Gwarancyjny (BFG) up to the equivalent of EUR 100,000 per depositor per bank, calculated at the NBP exchange rate on the day the guarantee conditions are met. Prospective customers should review the current price list, product sheets, and legal regulations published by the bank before applying.