Warszawski Bank Spółdzielczy

Warszawski Bank Spółdzielczy is a cooperative bank based in Warsaw that operates under Polish banking law and is supervised by the Polish Financial Supervision Authority (KNF). It serves retail clients, small and medium-sized enterprises, and local institutions with standard products such as current and savings accounts, term deposits, debit cards, domestic and international transfers, and credit facilities including overdrafts and business loans. Access is provided through a local branch network and online channels, including internet and mobile banking; fees, interest rates, and service limits are published in the bank’s tariff and may differ by account type. As a cooperative, the bank’s governance is member-based; customers can use services without becoming members, while those who choose membership typically take up cooperative shares under separate terms. Deposits are covered by the Bankowy Fundusz Gwarancyjny up to the equivalent of EUR 100,000 per depositor, and payment services are provided in line with PSD2 requirements, including strong customer authentication. The offer focuses on everyday banking and lending typical of a regional cooperative institution; the branch footprint and breadth of specialized services are more limited than at nationwide commercial banks. Prospective clients should consult the current tariff, regulations, and product terms on the bank’s website and confirm service availability before opening an account or applying for credit.