Bank Spółdzielczy w Kałuszynie

What Bank Spółdzielczy w Kałuszynie does

Bank Spółdzielczy w Kałuszynie is a regional cooperative bank headquartered in Kałuszyn in the Masovian Voivodeship of Poland, operating five branches across Kałuszyn, Kotuń, Siedlce, Węgrów, and Łosice. The bank offers a full suite of retail, SME, and agricultural banking products, including current and savings accounts (Pakiet Komfort, Smart, Junior, Biznes, Agro), term deposits, unsecured personal loans, mortgage and housing loans, an ecological credit for green investments, investment and working capital facilities for businesses, and AGROMAX preferential agricultural loans with BGK guarantees and state interest subsidies. Distribution spans physical branches plus the Nasz Bank mobile app (iOS/Android), internet banking at ib.bskaluszyn.pl, and SMS banking.

The bank's technology infrastructure is fully integrated into the BPS (Bank Polskiej Spółdzielczości) cooperative banking group of 351 member banks, providing access to a 4,500+ fee-free ATM network and the KNF-approved System Ochrony Zrzeszenia BPS mutual protection scheme. Core systems include BLIK mobile payments, Express Elixir (KIR/NBP-powered) 24/7 instant transfers up to 10,000 PLN per transaction, mandatory VAT Split Payment accounts for PLN business accounts, BIK credit bureau connectivity, and a PSD2-compliant API enabling third-party provider integrations. Payment cards span Visa Debit, Visa Business Euro, Mastercard PayPass, Mastercard Business, and prepaid Mastercard, with support for Apple Pay, Google Pay, and contactless. Planet Pay merchant terminals are distributed to local SMEs with 12–18 months free via Polska Bezgotówkowa. Customer identity is bridged to Polish government e-services via mojeID/Profil Zaufany.

The cooperative business model generates revenue primarily through net interest income on loan products (variable-rate WIBOR 3M/WIBID-linked mortgages and credits, fixed-rate bonds) and commission/fees on accounts, card operations, and insurance distribution, with insurance distributed exclusively through Generali Polska partnerships. As a spółdzielnia, profits are partially distributed as dividends to member-shareholders (500 PLN per share; 294.64 PLN paid for 2024, a 58.9% return). Deposits are guaranteed up to 100,000 EUR by the Bankowy Fundusz Gwarancyjny under the mandatory guarantee scheme.

Name

Bank Spółdzielczy w Kałuszynie

Legal name

Bank Spółdzielczy w Kałuszynie

Website

https://bskaluszyn.pl

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank Spółdzielczy w Kałuszynie is a Polish regional cooperative bank operating five branches in the Masovian Voivodeship, serving retail, SME, and agricultural customers with accounts, loans, payment services, and state-subsidized agricultural credit via the BPS cooperative banking group.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Credit Unions (522130), Depository Credit Intermediation (5221), Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099), Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSABAEAG

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

SECONDARYFSABAAAI

Small Business Banking (Microbusiness/Sole Proprietor)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABABAC

SME Deposits & Business Accounts (Operating, Savings, CDs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

Keywords

• Retail banking services
• Cooperative banking
• Agricultural lending
• Business banking
• Payment processing

Headquarters

HQ city

Kaluszyn

HQ country

Poland

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: Traditional bank interest spread — interest earned on loans (mortgage, consumer, agricultural, business) minus interest paid on deposits and savings products. Variable rate products use WIBOR 3M/WIBID benchmarks.
2. Commission and Fee Income: Fees from account maintenance, transactions, card operations, credit processing, currency exchange, and payment terminal services. Commission revenue from insurance product distribution (Generali partnerships).
3. Dividend Income (Member Returns): As a cooperative bank (spółdzielnia), distributes dividends to member-shareholders from annual profits. In 2024, dividend of 294.64 PLN per share (500 PLN nominal value) was approved — 58.9% return per share.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Bank Spółdzielczy w Kałuszynie is a cooperative bank serving individual retail customers, small and medium enterprises, and agricultural businesses across five branches in the Masovian Voivodeship. It offers current and savings accounts, term deposits, consumer and mortgage loans, agricultural and SME lending including subsidized AGROMAX/Investmax guarantees, Visa and Mastercard payment cards, BLIK and Express Elixir instant payments, payment terminals via Planet Pay, and crop and card insurance in partnership with Generali Polska. Its Nasz Bank mobile app and Internet Banking platform provide 24/7 digital access for all customer segments.

Product overview

Bank Spółdzielczy w Kałuszynie is a regional cooperative bank offering a comprehensive suite of retail, business, and agricultural banking products. The core offering centers on the Nasz Bank mobile application and Internet Banking platform, supplemented by account packages (Pakiet Komfort, Pakiet Smart, Pakiet Junior, Pakiet Biznes, Pakiet Agro), savings products (Extra Konto, term deposits), and lending products (personal loans, mortgage loans, ecological loans, agricultural loans). Payment services include BLIK mobile payments, Express Elixir instant transfers, payment terminals via Planet Pay, and Visa/Mastercard debit and credit cards. The bank serves individual customers, businesses, and farmers with specialized agricultural products including subsidized AGROMAX loans. A comprehensive PSD2 API enables third-party provider integration.

Differentiator

Problem solved

Functional benefit

Products and services

• Nasz Bank Mobile Application Mobile banking application for iOS and Android providing 24/7 account access, transfers, loan and deposit management, BLIK payments, push notification authorization, and biometric/e-PIN login. Available to retail and business customers of Bank Spółdzielczy w Kałuszynie.
• Internet Banking Web-based online banking platform providing account access, transfer management, scheduled payments, standing orders, and mobile phone top-ups for retail and business customers.
• SMS Banking GSM-based notification service delivering account balance updates and transaction alerts to mobile phones worldwide, supplementing the bank's internet and mobile banking channels.
• Mastercard PayPass Debit Card Contactless Mastercard debit card enabling PIN-free payments up to 100 PLN, online and in-store purchases, with a free insurance package covering unauthorized card use and ATM cash theft.
• Visa Debit Card Visa Classic debit card enabling domestic contactless transactions, online purchases, and ATM cash withdrawals with PIN or signature authentication for individual customers.
• Mastercard Prepaid Card Prepaid Mastercard available instantly without account requirement; funded by deposit, supports contactless payments and transfers to other users aged 13+.
• Extra Konto Savings Account Savings account for individuals with tiered interest rates based on balance, free maintenance, and no interest loss on withdrawals.
• Term Deposits (Lokaty) Term deposits including a promotional spring deposit (3.5% for 3 months, 3.2% for 6 months, 3.0% for 12 months) and standard deposits from 500 PLN with terms from 1 to 24 months for individual and business customers.
• Kredyt gotówkowy (Personal Loan) Unsecured personal loan for any purpose with rates from 8.5%, quick decision, optional life insurance, and consolidation options. The 'Efekt WOW' promotion offers 0% commission for consolidated loans with insurance.
• Kredyt w Rachunku (Revolving Credit Line in Current Account) Revolving credit line linked to a personal account, 1,000-50,000 PLN, 12-month term with auto-renewal. Interest is charged only on the used amount and the credit limit scales with monthly inflows.
• Kredyt Mieszkaniowy Mój Dom (Housing Loan) Housing loan up to 80% of investment cost for purchase, construction, renovation, or refinancing, with variable rate (WIBOR 3M + 2.0pp margin) or fixed rate (6.20%) for individual customers.
• Uniwersalny Kredyt Hipoteczny (Universal Mortgage Loan) Secured universal-purpose loan up to 1,500,000 PLN, up to 60% of collateral value. Variable rate (WIBOR 3M + 2.4pp margin) or fixed rate (6.40%) available.
• Kredyt Ekologiczny (Ecological Loan) Green loan of 1,000-80,000 PLN for up to 84 months for eco investments including solar panels, heat pumps, home insulation, and electric vehicles. Rate 6.88% with simplified credit assessment; commission discounted based on insurance bundling.
• Ubezpieczenie upraw rolnych (Agricultural Crop Insurance) Crop insurance with up to 65% state subsidy for farmers, in partnership with Generali Polska. Covers winter damage, spring frost, hail, heavy rain, and hurricane. State-mandated for farmers receiving direct subsidies.
• Pakiet Bezpieczna Karta (Card Insurance Package) Free extended insurance for payment cards covering unauthorized use, ATM theft, purchased goods theft, wallet/documents/keys loss, and mobile phone robbery, distributed in partnership with Generali Polska.
• Planet Pay Payment Terminals POS terminals (stationary, mobile, SoftPOS) for merchants via Planet Pay partnership, with installation within 48 hours and next-business-day settlement. Free for 12-18 months through the Polska Bezgotówkowa program.
• Express Elixir Instant Payments 24/7 instant payment system enabling real-time interbank transfers up to 10,000 PLN per transaction via KIR and NBP infrastructure, available to retail and business customers.
• mojeID / Profil Zaufany E-Identity Service Remote identity verification via bank credentials enabling customers to access commercial and government e-services without visiting offices or government institutions.
• Pakiet Komfort Personal Account Full-service personal current account with free maintenance (subject to 5+ monthly card transactions), BLIK transfers, 4,500+ free ATMs via BPS Group, Visa or Mastercard included, Nasz Bank mobile app access, and up to 500 PLN activation bonus.
• Pakiet Smart Youth Account Free checking account for youth aged 13-18 with free BLIK withdrawals, mobile banking access, and promotional bonuses (100 PLN welcome + 400 PLN referral).
• Pakiet Junior Children's Account Free account for children under 13 with parental controls, free BLIK withdrawals, Visa/Mastercard for kids, and dedicated Nasz Bank Junior app. Interest on balances up to 2,000 PLN.
• Pakiet Biznes Business Current Account Business current account with 24/7 internet and mobile banking, Visa Business card, SMS notifications, and domestic/international settlements for local SMB clients.
• Pakiet Biznes Mobilny Mobile Business Account Mobile-optimized business account with free maintenance (subject to 2,000 PLN monthly inflows and 3 card payments), free internet transfers, and 24/7 banking access for small businesses and entrepreneurs.
• Pakiet Agro Mobilny Agricultural Business Account Mobile-optimized agricultural account with free maintenance (subject to inflows and card payment conditions), free Visa/Mastercard Business, free transfers, and 24/7 banking access for farmers and agri-businesses.
• Rachunki Walutowe (Foreign Currency Accounts) Foreign currency accounts in USD, EUR, GBP, CHF for international transactions, foreign work income, or travel. Paired with Visa Business EURO card.
• Płatności Masowe (Mass Payment Processing) Bulk payment system for organizations processing large transaction volumes. Uses virtual account numbers for automated reconciliation and daily transaction reports.
• Kredyt inwestycyjny (Business Investment Loan) Investment loan for businesses and farmers for capital expenditure, equipment, and real estate, with up to 15-year term and 2-year grace period.
• Kredyt obrotowy (Business Working Capital Loan) Non-revolving working capital loan for businesses to finance operational needs including inventory, materials, services, and tax payments.
• Kredyt preferencyjny AGROMAX (Subsidized Agricultural Loan) Subsidized agricultural loan with BGK guarantee covering up to 80% of loan principal. Up to 5 million PLN, up to 183-month term, zero commission, with optional interest subsidy up to 100% of interest for 24 months for qualified borrowers.
• Kredyt inwestycyjny rolniczy (Agricultural Investment Loan) Agricultural investment loan for machinery, land purchase, construction, and modernization. Requires 20% own contribution, term up to 15 years.
• Kredyt obrotowy rolniczy (Agricultural Working Capital Loan) Non-revolving agricultural working capital loan up to 36 months. Finances seasonal needs, specific purchases, VAT, and tax obligations for farmers.
• Kredytowa linia hipoteczna (Mortgage-Secured Credit Line) Long-term credit line secured by mortgage up to 1,000,000 PLN for any business purpose, up to 15-year term with 6-month grace period.
• Gwarancja Investmax (SME Loan Guarantee) BGK-backed credit guarantee for SMEs, covering up to 80% of loan principal. Up to 172,660 PLN for microfinance instrument, up to 6,906,400 PLN for SME support instrument. Commission 0-0.3% under the InvestEU program.
• Visa Business Euro Card Business debit card in EUR for international travel and transactions, providing direct access to EUR currency account without pre-trip bank visits.
• Mastercard Business Card Business debit Mastercard with multiple cards per account, expense control, free ATM access across BPS Group network, and individual transaction limits.

Quantifiable outcome

• Dividend return of 58.9% per share for 2024 (294.64 PLN per 500 PLN share)
• +5 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Bank Polskiej Spółdzielczości S.A. (BPS)coreStrategic or Co-development Partner · 1 March 2002Bank Spółdzielczy w Kałuszynie is zrzeszony (affiliated) with Bank BPS, joining as a shareholder after the 2002 consolidation that created BPS from multiple regional cooperative banks. BPS supports member cooperative banks with product development, risk management, clearing, and a shared branch network (4,500+ ATMs). The 351-bank group provides systemic mutual protection through the System Ochrony Zrzeszenia BPS (KNF-approved since December 2015).
• Planet PaycoreTechnology or IntegrationPlanet Pay provides payment terminals (POS, mobile SoftPOS) and payment gateway services to BS Kałuszyn's merchant clients. The bank offers terminals with 0 PLN fees for up to 12-18 months through Polska Bezgotówkowa and Planet Pay's own subsidy. Planet Pay handles installation within 48h and next-business-day fund settlement.
• Generali Polska (Generali Towarzystwo Ubezpieczeń)coreChannel Partner/ Reseller/ DistributorGenerali Polska is the insurance partner for BS Kałuszyn, providing agricultural crop insurance (with up to 65% state subsidy), credit life insurance, card protection (Pakiet Bezpieczna Karta), and general insurance products. Distributed exclusively through the bank's branch network. Generali is part of the Generali Group (185+ years, global presence).
• KIR — Krajowa Izba RozliczeniowacoreTechnology or IntegrationKIR operates the Express Elixir instant payment infrastructure (shared with NBP) that BS Kałuszyn offers to customers for 24/7 real-time interbank transfers up to 10,000 PLN per transaction.
• BLIK (Polski Standard Płatności)coreTechnology or IntegrationBLIK is the Polish mobile payment standard enabling QR-code transactions, ATM cash withdrawals, and BLIK na telefon (phone-number-based transfers). Integrated into the Nasz Bank mobile app. BS Kałuszyn participates in the BLIK network operated by Polski Standard Płatności.
• Ministerstwo Cyfryzacji / Gov.pl (Profil Zaufany)minorStrategic or Co-development PartnerBS Kałuszyn supports mojeID / Profil Zaufany, the Polish government e-identity system enabling citizens to authenticate to public e-services (obywatel.gov.pl) using their bank credentials. Integrated into the bank's digital offering.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• PKO Bank Polski: Largest Polish universal bank and de-facto retail incumbent with nationwide branch network including Mazovia; competes with BS Kałuszyn for retail deposits, mortgages and agribusiness accounts while operating at a fundamentally different scale.
• Credit Agricole Bank Polska: Mid-sized universal bank with a long-standing agricultural and SME franchise in Poland that overlaps directly with BS Kałuszyn's ag lending and rural deposit-gathering activities.
• Bank Pekao S.A. Second-largest Polish universal bank with a strong presence in Mazovia and active in agribusiness and SME lending; overlaps with BS Kałuszyn's retail, business and farmer segments as a broader-portfolio competitor.
• BNP Paribas Bank Polska (including BGŻ BNP Paribas heritage): Universal bank whose predecessor BGŻ had a deep rural and agricultural lending franchise in eastern Poland; competes with BS Kałuszyn for farmer, SME and retail customers across its broader product portfolio.
• mBank (Commerzbank subsidiary): Top-3 Polish universal bank with strong digital and SME lending franchises; competes for the same retail and SME customers in BS Kałuszyn's catchment via mobile and internet channels, pressuring pricing on deposits and consumer credit.

Emerging players

• Bank Ochrony Środowiska (BOŚ Bank): Polish niche bank focused on environmental financing and SME lending with a green-loan product line (eco-credits, NFOŚiGW-backed funds); overlaps with BS Kałuszyn's Kredyt Ekologiczny offering as a specialist competitor in green lending.
• Nest Bank: Polish challenger/neo-bank targeting retail customers with mobile-first accounts, fee-free propositions and consumer credit; competes for the same younger and adult retail accounts (Pakiet Smart, Pakiet Komfort equivalents) that BS Kałuszyn sells through Nasz Bank.

Direct peers

• SGB-Bank (Spółdzielcza Grupa Bankowa): The second major Polish cooperative banking group, organizing roughly 190 cooperative banks around a shared central entity with mutual protection and common product platforms; directly comparable to BS Kałuszyn's affiliation with BPS.
• Bank Pocztowy: Polish retail-focused universal bank (Poczta Polska affiliate) historically targeting smaller towns and rural customers with a low-cost branch model; comparable to BS Kałuszyn in segment focus, geography and product mix.
• Bank Polskiej Spółdzielczości (BPS): Centrally-operated affiliate of all 351 cooperative banks in BPS Group (including BS Kałuszyn) providing core IT, clearing, treasury, ATM network and shared products; functionally the parent cooperative banking infrastructure against which BS Kałuszyn is benchmarked.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/bskaluszyn

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank Spółdzielczy w Kałuszynie