Plus Bank

What Plus Bank does

Plus Bank S.A. is a privately held Polish retail and corporate bank headquartered in Warsaw, operating since 1991 (as Invest-Bank S.A., rebranded to Plus Bank in December 2013). The bank serves individual consumers, micro and small businesses, and medium/large corporate clients through a 22-branch partner network across major Polish cities combined with the plusbank24 electronic banking platform (internet banking, iOS/Android mobile app, IVR phone banking, and P@rtner24 corporate home banking with multi-signature authorization).

Its core product portfolio spans personal banking (Konto Plus, savings accounts, term deposits, consumer loans, mortgage loans, Mastercard debit cards), business banking (Rachunek Biznes, Pakiet Mikro Biznes, Mikro Kredyt up to 300,000 PLN), and transaction services (ELIXIR/SORBNET domestic transfers, SWIFT international wires, direct debit, mass payments). Pakiet Mikro Biznes is a differentiated bundled offering that pairs the business account with ifirma.pl accounting, Availo/Prawo Direct legal advisory, and Liberty Poland POS terminals.

Plus Bank's go-to-market relies on distribution synergies with Plus/Polkomtel and Cyfrowy Polsat — Poland's largest telecom groups — through the smartDOM loyalty program, which delivers telecom bill discounts (up to 40 PLN monthly) and cross-product benefits to bank customers, while leveraging telecom retail outlets as acquisition channels. Revenue is generated primarily through interest spreads on loans and deposits, fee and commission income from account maintenance, transfers, and card operations, cross-selling economics with telecom partners, and POS terminal transaction fees.

Name

Plus Bank

Legal name

Plus Bank S.A.

Website

https://plusbank.pl

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

251–500 employees

Short description

Plus Bank S.A. is a privately held Polish retail and corporate bank offering personal accounts, loans, deposits, payment cards, and bundled micro-business services, distributing through 22 partner branches, plusbank24 digital channels, and telecom partnerships with Plus/Polkomtel and Cyfrowy Polsat.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

Keywords

• Retail banking services
• Business banking
• Consumer lending
• Term deposits
• Electronic banking

Headquarters

HQ city

Warszawa

HQ country

Poland

HQ region

Europe

Offices24 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue from interest spreads on loans (consumer loans, mortgage loans, business credit, credit limits) and deposits (savings accounts, term deposits in PLN and foreign currencies).
2. Fee and Commission Income: Fees from account maintenance, transfers, card operations (issue, usage, ATM withdrawals), credit arrangements, and banking services. Revenue from transaction processing fees.
3. Cross-selling Revenue: Revenue from bundled telecommunications products (Plus/Polkomtel services) where bank accounts serve as delivery channel for telecom billing discounts and bonuses.
4. POS Terminal Revenue: Transaction fees from merchant payment terminals (POS) offered to business customers through Liberty Poland partnership.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Plus Bank is a Polish commercial bank offering personal and business banking services through 22 partner branches and digital channels. Core offerings include personal current accounts (Konto Plus), savings accounts, term deposits in PLN and foreign currencies, consumer loans, revolving credit lines, mortgages, Mastercard payment cards, business accounts (Rachunek Biznes, Pakiet Mikro Biznes), business loans, and electronic banking via plusbank24 internet/mobile platform. The bank also provides bundled offerings combining banking with telecommunications (Plus/Polkomtel, Cyfrowy Polsat through smartDOM), accounting (ifirma.pl), legal advisory (Prawo Direct), and POS terminals (Liberty Poland).

Product overview

Plus Bank is a Polish retail and corporate bank operating through a platform-plus-channel model. The core product portfolio spans personal banking (Konto Plus, Konto Oszczędnościowe, Lokaty, Kredyty gotówkowe, Kredyt w Koncie Plus, Karty płatnicze), business banking (Rachunek Biznes, Pakiet Mikro Biznes, Mikro Kredyt, Lokaty dla firm, Kredyty dla firm, Produkty transakcyjne), and electronic banking (plusbank24 internet and mobile banking, P@rtner24 home banking). The Pakiet Mikro Biznes sub-brand bundles the business account with integrated third-party services including ifirma.pl accounting, Availo Prawo Direct legal advisory, and Liberty Poland POS terminals. The bank also participates in cross-selling arrangements with Polkomtel (Plus) and Cyfrowy Polsat through the smartDOM loyalty program. Delivery channels include partner branches across Poland, ATMs, plusbank24 internet and IVR phone banking, and the plusbank24 mobile application for Android and iOS.

Differentiator

Problem solved

Functional benefit

Products and services

• Konto Plus Modern personal checking account with 24/7 digital access via internet, phone, SMS, and mobile app. Free cash withdrawals from Euronet ATMs in Poland, online payments via Płacę z PlusBank, and bundled Mastercard debit card with cashback features. Targeted at individual retail customers.
• Konto Oszczędnościowe Savings account offering competitive interest rates on deposited funds for individual customers.
• Lokaty (Term Deposits) Term deposit products for individual customers including Lokata na Start, Lokata Internetowa, Lokata Dzień Dobry, Lokata Dynamicznie Rosnąca, and Lokata Standardowa, with terms ranging from 1 to 12 months in PLN and foreign currencies (USD, EUR, GBP).
• Kredyty (Consumer Loans) Consumer credit products including Kredyt gotówkowy (cash loan), Kredyt konsolidacyjny (consolidation loan), Kredyt mieszkaniowy M2 Plus (mortgage), and Kredyt Medyczny (medical credit via CredoMedica partnership). Targeted at individual retail customers.
• Kredyt w Koncie Plus Revolving credit line linked to a personal account, providing up to 50,000 PLN with a 36-month term, 30-day interest-free period, and variable interest rate of 7.20% per annum.
• Karty płatnicze (Payment Cards) Payment cards including Mastercard Debit for personal and business accounts, with 3D-Secure protection, contactless payments, and cash withdrawal at ATMs.
• Bankowość elektroniczna (plusbank24) Multi-channel electronic banking platform providing 24/7 access via internet banking, IVR phone banking, and mobile app. Supports domestic transfers (ELIXIR, SORBNET), international transfers (SWIFT), direct debits, standing orders, mobile top-ups, and QR code payments.
• Rachunek Biznes Business account providing efficient management of company finances, with current account, auxiliary accounts, and bundled account packages. Includes access to plusbank24 internet banking and multi-signature authorization. Targeted at medium and large businesses.
• Pakiet Mikro Biznes Bundled micro-business account combining banking, accounting services (ifirma.pl), legal advisory (Prawo Direct via Availo), POS terminals (Liberty Poland), and telecom bonus (Plus network). Includes free account maintenance when average monthly balance is ≥2,000 PLN and free internet transfers. Targeted at sole proprietors and micro-enterprises.
• Mikro Kredyt Business credit offering up to 300,000 PLN with terms up to 36 months, including options up to 100,000 PLN without material collateral, with flexible repayment schedules (monthly, quarterly, or lump-sum). Targeted at micro-businesses.
• Kredyty dla firm (Business Loans) Business lending products including revolving credit, non-revolving credit, and investment loans tailored to institutional client needs.
• Lokaty dla firm (Business Term Deposits) Business term deposits in PLN (standard and online via plusbank24) and foreign currencies (USD, EUR, GBP) with terms of 1, 3, or 6 months, with automatic renewal options.
• Bankowość elektroniczna dla firm (P@rtner24) Corporate internet banking platform with full account management, bulk transfers, SORBNET payments, standing orders, deposit management, multi-signature authorization, and SSL-encrypted communications with RSA electronic signatures.
• Ubezpieczenia (Insurance) Insurance products offered through the bank, including life insurance (Polisy-Życie) available at Plus Bank branches.
• Restrukturyzacja (Debt Restructuring) Debt restructuring service allowing customers experiencing financial difficulty to apply for modified loan repayment terms.
• Kredyt Medyczny (Medical Credit) Specialized medical credit product offered in partnership with CredoMedica, providing financing solutions for healthcare sector customers.
• Bonus Plus dla Firm Loyalty program for business account holders providing discounts on Polkomtel (Plus) and Cyfrowy Polsat telecom services based on account activity and transaction volumes, available through the smartDOM program.
• Produkty transakcyjne (Transactional Banking Services) Transactional banking services for business customers including domestic transfers (ELIXIR, SORBNET), international transfers (SWIFT), direct debit for mass creditors (polecenie zapłaty), cash operations (deposits and withdrawals), and correspondent bank services.

Quantifiable outcome

• Micro business account maintenance free with 2,000 PLN average balance
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Liberty Poland S.A.minorChannel Partner/ Reseller/ Distributor · 7 April 2014POS terminal services provider for Plus Bank Mikro Biznes customers. Liberty Poland handles terminal installation, maintenance, and merchant services including cash back and DCC currency conversion for Plus Bank business clients.
• Plus (Polkomtel sp. z o.o.)coreStrategic or Co-development Partner · 1 April 2014Plus Bank was established as the banking arm of the Polkomtel/Plus telecommunications group. The partnership provides bundled banking and telecom offerings where Plus Bank customers receive discounts on telecom bills. The smartDOM program offers mutual benefits across banking and telecom services.
• Cyfrowy PolsatcoreStrategic or Co-development Partner · 1 April 2014Cyfrowy Polsat TV customers benefit from Plus Bank bundled offerings through the smartDOM loyalty program. Joint promotions offer discounts on TV and internet services when using Plus Bank accounts.
• ifirma.pl (Internetowe Finanse sp. z o.o.)minorChannel Partner/ Reseller/ DistributorCertified accounting office partnered with Plus Bank for Mikro Biznes package. Offers full bookkeeping services for sole proprietors (KPiR, lump-sum taxation) from 80 PLN/month, with 1 month free. Services include tax return preparation, ZUS/US representation.
• Availo Sp. z o.o. (Prawo Direct)minorChannel Partner/ Reseller/ DistributorLegal services provider for Plus Bank Mikro Biznes customers through Prawo Direct system. Offers phone and email legal consultations with experienced lawyers, advocates, and tax advisors covering business and personal legal matters.
• SWIFT NetworkcoreTechnology or IntegrationSWIFT international messaging network used for import/export wire transfers (polecenia wplat) to/from foreign banks. Plus Bank processes international payments through SWIFT system.
• CredoMedicaminorStrategic or Co-development PartnerPartnership for Kredyt Medyczny (Medical Credit) product launched June 2016, providing financing solutions for healthcare sector customers.
• EuronetminorChannel Partner/ Reseller/ DistributorATM network partnership providing Plus Bank Konto Plus customers with free cash withdrawals from all Euronet ATMs across Poland.
• ELIXIR/SORBNET Payment SystemscoreTechnology or IntegrationPlus Bank processes domestic PLN transfers through ELIXIR (standard) and SORBNET (urgent/high-value) payment systems operated by the Polish Banking Association.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ING Bank Śląski: Major Polish retail and business bank with strong digital channel (Moje ING) and direct debit/direct credit infrastructure. Comparable in offering consumer accounts, savings, credit cards, and SME banking products across Poland.
• mBank: One of Poland's largest universal banks with strong retail and SME digital banking offerings. Direct competitor in Polish consumer deposits, consumer credit, and SME banking; comparable in targeting Polish retail and micro-business segments with multi-channel digital distribution.
• Getin Noble Bank: Polish private bank of similar mid-size scale focused on retail deposits, consumer credit, and SME banking. Comparable in positioning as a mid-tier Polish challenger bank with similar branch and digital distribution profile.
• Bank Millennium: Polish universal bank serving retail and SME customers with deposit, lending, and digital banking products. Direct peer in Polish retail banking, savings accounts, consumer credit, and micro-business segment.
• Nest Bank: Smaller Polish challenger bank focused on retail and SME customers with digital-first distribution. Comparable scale and target customer segments to Plus Bank in Polish retail and micro-business banking.
• Alior Bank: Polish universal bank with strong retail and SME focus, mobile-first digital banking, and consumer lending franchise. Direct peer in Polish retail deposits, consumer credit, and SME banking; comparable scale among Poland's mid-tier banks.

Broad incumbents

• Credit Agricole Bank Polska: Polish universal bank (part of Credit Agricole Group) offering retail, SME, and corporate banking products. Comparable in Polish retail deposit, consumer lending, and SME banking markets, with larger franchise scale.
• Santander Bank Polska: One of Poland's largest universal banks owned by Santander Group, serving retail, SME, and corporate customers. Competes broadly in Plus Bank's segments with much larger scale and branch footprint.
• BNP Paribas Bank Polska: Major Polish universal bank (part of BNP Paribas Group) with retail, SME, and corporate banking. Overlaps with Plus Bank in retail deposits, consumer credit, and SME offerings, but at materially larger scale.
• Bank Pekao: One of Poland's largest universal banks offering retail, SME, and corporate banking. Overlaps with Plus Bank across retail deposits, consumer credit, and SME banking segments, but at significantly greater scale and branch reach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/_PlusBank
• Facebookfacebook.com/PlusBankPL

Compliance3 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 Plus Bank