Bank Spółdzielczy w Tarnowskich Górach

Bank Spółdzielczy w Tarnowskich Górach is a Polish cooperative bank headquartered in Tarnowskie Góry, operating a local branch network in the Silesian Voivodeship. It provides retail and SME banking, including PLN current and savings accounts, term deposits, debit cards, domestic transfers (ELIXIR), standing orders and direct debits, as well as online and mobile channels with strong customer authentication under PSD2. The lending offer spans consumer cash loans, mortgages, overdrafts, and business financing such as working-capital and investment loans; leasing and acquiring services are typically available via partner institutions. Foreign payments (SEPA/SWIFT) and currency services are available within the scope defined in its tariff and are executed through correspondent arrangements. As a cooperative, the bank is owned by its members; customers can apply for membership and hold participation shares subject to statutory rules, with governance exercised through the general meeting. Deposits are protected by the Bankowy Fundusz Gwarancyjny up to the equivalent of 100,000 EUR per depositor, and the bank operates under the supervision of the Komisja Nadzoru Finansowego. Pricing is set in published schedules; monthly account fees, cash-handling fees and out-of-network ATM charges may apply. The bank focuses on servicing households, farmers and local businesses in its catchment area, with product scope and branch hours aligned to a regional institution rather than a nationwide provider.