Powiślański Bank Spółdzielczy w Kwidzynie

Powiślański Bank Spółdzielczy w Kwidzynie is a Polish cooperative bank based in Kwidzyn (Pomeranian Voivodeship), operating on a member-owned model under Polish banking law and supervised by the Komisja Nadzoru Finansowego; eligible deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor. The bank focuses on local retail clients, micro and small enterprises, and agriculture, providing current and savings accounts, term deposits, payment cards, domestic PLN transfers, and credit products such as consumer, housing, and business loans, with access via branches as well as online and mobile channels. Standard domestic transfers are cleared through the KIR Elixir system on business days, card payments support contactless and online transactions with strong customer authentication, and interest on deposits is subject to the 19% capital gains tax (tzw. podatek Belki). Fees, interest rates, and product conditions are set out in the bank’s tariff and regulations available in branches and on its website; pricing can differ by customer segment and delivery channel. Opening an account typically requires valid identification and Polish personal or business identifiers (e.g., PESEL for individuals; CEIDG/KRS, NIP, and REGON for businesses). Customers may apply for cooperative membership by subscribing shares, with rights and obligations defined in the bank’s statute; dividends on shares are not guaranteed. The bank’s local footprint favors clients who want in-branch service in the Kwidzyn area, while those prioritizing nationwide cash access or specific payment features should verify card, ATM, and transfer terms before opening an account.