Bank Polskiej Spółdzielczości

Tagline Brand's website · 2026-11-07

Polish cooperative banking institution offering financial products and services to individuals, businesses, local governments, farmers, housing communities, and associations.

Description Brand's website · 2026-11-07

Bank Polskiej Spółdzielczości (Bank BPS) combines the functions of an associating bank for cooperative banks and a commercial bank. It develops products for affiliated cooperative banks, represents the association toward regulators and the market, and directly serves retail, corporate, small and medium-sized business, public-sector, and nonprofit customers.

Mission Brand's website · 2026-11-07

Supporting local communities through cooperative banking. Bank BPS and its affiliated cooperative banks are based on domestic capital and invest profits in the regions where they operate.

Website Brand's website · 2026-11-07

https://bankbps.pl

Voice & tone Brand's website · 2026-11-07

Neighborly, supportive, practical, and accessibility-focused, with an emphasis on local community, development, and straightforward guidance.

Headquarters Brand's website · 2026-11-07

Main Central offices are in Warsaw at ul. Grzybowska 81 and Wrocław at ul. Zygmunta Krasińskiego 27, Poland.

Parent ownership Brand's website · 2026-11-07

The bank describes itself as an associating bank for affiliated cooperative banks and a member of the BPS association. It states that Bank BPS and affiliated cooperative banks rely on domestic capital. Leasing is offered by BPS Leasing S.A., a company of the BPS Group.

Problem solved Brand's website · 2026-11-07

Provides banking, financing, payment, savings, insurance, leasing, and investment-support solutions for individuals, businesses, institutions, and local communities.

Core capabilities Brand's website · 2026-11-07

• Retail banking
• Business and SME banking
• Cooperative banking association services
• Current accounts and deposits
• Consumer, mortgage, investment, working-capital, and corporate lending
• Debit and credit cards
• Domestic, instant, high-value, international, and foreign-currency payments
• Electronic banking

Products / SKUs Brand's website · 2026-11-07

• Individual current accounts and account packages
• Savings accounts and term deposits
• Consumer and mortgage loans
• Consolidation and revolving loans
• Mastercard APIS and APIS Elite credit cards
• Debit cards and mobile payments
• Online banking
• Online and property, life, and motor insurance

Pricing Brand's website · 2026-11-07

General pricing is not provided. The site gives representative examples for Mastercard APIS credit cards: APIS has a 25.07% APR with a PLN 5,000 credit limit, and APIS Elite has a 27.62% APR with a PLN 10,000 limit; both examples were calculated on 6 October 2025.

Target industry Brand's website · 2026-11-07

Banking and financial services, with additional focus on SMEs, residential construction and developers, the agri-food sector, farmers, public administration, housing communities, and nonprofit organizations.

Customer base Brand's website · 2026-11-07

Individual customers; corporate customers and SMEs; farmers; local-government units; housing communities; foundations and associations; and affiliated cooperative banks.

Ideal customer profile Brand's website · 2026-11-07

Individuals and organizations in Poland seeking cooperative banking services, including retail customers, SMEs, companies needing operating or investment finance, developers, agri-food businesses, farmers, municipalities, housing communities, and associations.

Use cases Brand's website · 2026-11-07

• Opening and managing personal or business accounts
• Saving through deposits and savings products
• Obtaining consumer, mortgage, working-capital, investment, or development financing
• Making domestic, instant, high-value, SEPA, and other foreign payments
• Managing card and mobile payments
• Financing vehicles and specialist equipment through leasing
• Managing receivables through factoring
• Supporting business trade with foreign exchange, letters of credit, and documentary collections

Customer outcomes Brand's website · 2026-11-07

• Access to banking services for personal and business financial management
• Financing for everyday needs, investments, property purchases, and business growth
• Faster instant transfers through Express Elixir
• Support for international payments in 12 currencies
• Improved payment and liquidity management for businesses
• Protection for customers, families, property, and business activities
• Greater access to products and services for people with disabilities and special needs
• Support for local and regional economic development