Bank Pocztowy S.A.

Bank Pocztowy S.A. is a Polish retail bank established in 1990 and headquartered in Bydgoszcz, with a shareholding structure dominated by Poczta Polska S.A. and a significant minority stake held by PKO Bank Polski S.A. Its model combines a compact branch network with distribution and basic service points located in selected post offices, aiming at mass retail clients and microbusinesses that prefer cash and in-person services. The bank provides standard products such as current and savings accounts, term deposits, debit and credit cards, overdrafts, consumer loans and, subject to policy, mortgage lending; for small firms it offers settlement accounts, domestic and cross-border transfers, card acceptance solutions and short-term financing. Online access is delivered through Pocztowy24 and a mobile app, with PSD2-compliant strong customer authentication, 3D Secure for cards, and support for popular local and international payment methods including contactless wallets. The former EnveloBank digital brand has been folded into the core platform. Pricing follows the typical Polish market pattern of package fees, activity-based waivers and charges for cash or paper transactions, and ATM access is provided via partner networks; exact costs depend on the chosen tariff. The bank is supervised by the Polish Financial Supervision Authority (KNF) and is a member of the Bank Guarantee Fund (BFG), which secures eligible deposits up to the equivalent of EUR 100,000 per depositor. Service levels and available operations can vary by location, especially at postal outlets, so checking channel-specific limits and fees is advisable.