Bank Spółdzielczy w Dobczycach

Bank Spółdzielczy w Dobczycach is a Polish cooperative bank headquartered in Dobczyce (Lesser Poland) operating under the Banking Law and Cooperative Law, supervised by the Polish Financial Supervision Authority (KNF), with deposits covered by the Bank Guarantee Fund (BFG) up to the equivalent of EUR 100,000 per depositor. The bank serves retail clients and local businesses, including farmers and micro and small enterprises, offering standard current and savings accounts, term deposits, domestic transfers via the ELIXIR system, standing orders, debit cards, and remote channels such as internet banking with strong customer authentication required by PSD2. Its lending offer typically includes consumer cash loans, mortgage-secured financing subject to collateral and credit assessment, overdrafts, and business loans for working capital and investment needs. Fees, commissions, and interest rates are defined in published tariff and rate schedules; variable-rate loans are linked to market benchmarks and the bank’s margin as specified in individual agreements. The institution operates a local branch network in Dobczyce and surrounding areas and provides services in Polish; business accounts include VAT split-payment sub-accounts as required by law. As a cooperative, ownership is held by members who subscribe cooperative shares and exercise governance through the general meeting, supervisory board, and management board. The bank applies standard AML/KYC procedures and complies with applicable reporting regimes; product eligibility, documentation requirements, and transaction limits are set out in the bank’s regulations and may differ by client segment.