ING Bank Śląski S.A.

ING Bank Śląski S.A. is a universal bank in Poland headquartered in Katowice and majority‑owned by ING Bank N.V. (ING Group), supervised by the Polish Financial Supervision Authority (KNF) and participating in the Bank Guarantee Fund (BFG) scheme for deposit protection; its shares are listed on the Warsaw Stock Exchange. The bank serves retail, SME and corporate clients with current and savings accounts, term deposits, debit and credit cards, consumer loans, mortgages, and investment products distributed via its brokerage office and ING Towarzystwo Funduszy Inwestycyjnych; corporate services include cash management, payments, trade finance, FX, leasing (through ING Lease) and factoring (through ING Commercial Finance). It operates a nationwide branch footprint supported by online banking and the Moje ING mobile app, with support for BLIK, Apple Pay, Google Pay and other tokenized wallets, and provides PSD2 open‑banking connectivity and strong customer authentication for security. Foreign currency accounts and SEPA/SWIFT transfers are available, while international transfers and over‑the‑counter cash services are typically subject to fees; account maintenance charges are often conditional on activity and basic domestic transfers online are commonly free within tariff limits. Mortgages and many business loans use variable rates linked to market benchmarks in line with Polish regulations; early repayment, over‑limit cash withdrawals, and card services may carry standard charges. The bank distributes selected insurance products via partners, and funds part of its mortgage book through covered bonds issued by ING Bank Hipoteczny S.A. Standard consumer protections and complaints procedures apply under Polish banking law, and product terms, pricing and eligibility criteria are published in the bank’s schedules and may change without prior notice.