Bank Spółdzielczy w Żmigrodzie

Bank Spółdzielczy w Żmigrodzie is a Polish cooperative bank based in Żmigród (Lower Silesian Voivodeship) that operates primarily in its local catchment area and serves retail, micro, SME, and agricultural customers. As a cooperative institution, it is owned by its members, is supervised by the Komisja Nadzoru Finansowego, and participates in the Bankowy Fundusz Gwarancyjny deposit protection scheme covering the equivalent of up to EUR 100,000 per depositor. Its offering typically includes current and savings accounts for individuals and businesses, term deposits, debit cards, domestic transfers, SEPA transfers, and lending products such as consumer cash loans, housing loans, vehicle financing, working-capital and investment loans for companies, and credit for farms. Access is provided through local branches and electronic banking (internet and mobile channels), with security aligned to EU and Polish requirements, including PSD2 strong customer authentication and 3-D Secure for online card transactions. Prices are defined in publicly available tariffs and interest schedules; some charges can be conditionally waived under specified activity criteria, while cash operations at the counter, paper instructions, instant or international transfers, and out-of-network ATM withdrawals can carry additional fees according to the current tariff. The bank’s scope and distribution are oriented to the region it serves, which may suit customers prioritizing local service and decision-making, while nationwide coverage and product breadth are more limited than at the largest commercial banks. Prospective clients should review the latest tariff, interest tables, and credit terms, as conditions are subject to change and may vary by customer segment.