Cooperative Bank in Zawadzkie

What Cooperative Bank in Zawadzkie does

Bank Spółdzielczy w Zawadzkiem (Cooperative Bank in Zawadzkie) is a member-owned cooperative bank headquartered in Zawadzkie in Poland's Opolskie Voivodeship, operating through seven physical locations across the region including branches in Gorzów Śląski, Kolonowskie, Oleśno, Radłów, Zębowice, and a cash point in Rudniki. The institution serves four primary customer segments: individual retail customers (across life-stage account tiers such as Junior, Student, Senior, Gold, VIP), small and medium enterprises, farmers and the agricultural sector (with specialized products including the Super Plon crop loan and AGRO guarantee program), and housing communities (wspólnoty mieszkaniowe). Headcount is reported in the 251–500 range, and estimated assets are approximately 200 million PLN.

The bank's product suite spans current and savings accounts (multiple ROR variants plus a foreign currency account supporting EUR, USD, GBP, CHF), term deposits and savings accounts (SKARBONKA), a full lending book including cash loans, mortgage/renovation loans, vehicle loans, revolving credit, and renewable energy loans, plus credit cards (VISA Credit, VISA Credit Gold, VISA Business Credit, VISA Business Gold), leasing for movable property and commercial real estate, and insurance intermediation with Generali Życie, Vienna Life, SALTUS, and WARTA. Digital infrastructure is delivered through the 24.BS internet banking platform (built on the eBankNet core shared with Bank BPS), the BS Zawadzkie Mobile app (iOS/Android), the BS Pay contactless payment app, and eCorpoNet for business clients, with payment rails integrated via BLIK, PayByNet, Express Elixir (KIR), BlueCash, and VISA/MasterCard. Compliance posture includes GDPR, PSD2 with quarterly availability reporting, WCAG 2.1 AA accessibility certification, CRS, and split-payment/VAT account mechanisms. The bank is part of the Bank BPS S.A. banking group, which provides shared infrastructure including ATM access and card processing via the Kartosfera portal.

The revenue model combines net interest income from lending (the largest stream), recurring account maintenance fees ranging from 0 to 18 PLN monthly depending on tier, transaction fees on transfers (paper transfers 4–7 PLN), card maintenance fees (5–8 PLN monthly), interchange and credit card fees, insurance distribution commissions, and transaction-based fees on payment services. A current 0% commission cash loan promotion with a 3.00 percentage point margin indicates active retail loan origination. As a Polish cooperative (bank spółdzielczy), the institution is privately held by its member-shareholders, is not listed on any exchange, has no parent company, and has disclosed no funding rounds or M&A activity.

Name

Cooperative Bank in Zawadzkie

Legal name

Bank Spółdzielczy w Zawadzkiem

Website

https://bs-zawadzkie.pl

Company type

Private

Operating status

Operating

Headcount range

251–500 employees

Short description

Bank Spółdzielczy w Zawadzkiem is a member-owned Polish cooperative bank in Zawadzkie (Opolskie Voivodeship) serving individuals, SMEs, farmers, and housing communities via seven branches and digital platforms including 24.BS internet banking and BS Zawadzkie Mobile.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Student & Youth Banking (FSABAAAH), Housing & Urban Development Banks (Public) (FSABAKAG)

Keywords

• Retail banking services
• Cooperative banking
• Agricultural lending
• Consumer credit
• Payment processing

Headquarters

HQ city

Zawadzkie

HQ country

Poland

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Account Management Fees: Monthly fees charged for account maintenance including ROR accounts (5-18 PLN monthly), foreign currency accounts (6 PLN monthly), and premium VIP accounts. Some account types offer free maintenance.
2. Interest Income from Lending: Traditional banking revenue from interest on various loan products including personal cash loans, mortgage loans, agricultural loans, business investment loans, and revolving credit facilities. Cash loan promotion offered at 0% commission with 3.00 percentage point margin.
3. Credit Card Fees: Income from credit card services including VISA Credit (up to 20,000 PLN limit, 51-day interest-free period), VISA Credit Gold (up to 50,000 PLN, 56-day period), VISA Business Credit (up to 50,000 PLN), and VISA Business Gold (up to 100,000 PLN).
4. Payment Card Transaction Fees: Revenue from debit card maintenance and transaction fees. Monthly card fees ranging from 5 PLN (SENIOR) to 8 PLN (GOLD/ROR) for standard accounts.
5. Insurance Distribution: Banking intermediary services for insurance products from partners: Generali Życie, Vienna Life, SALTUS, and WARTA. Offers life insurance, travel insurance, and credit protection insurance.
6. Transfer and Payment Fees: Fees for various transfer types including paper-based transfers (4-7 PLN per item), foreign exchange transfers, and fast payment services via BlueCash system.

Pricing tiers

Distribution channels7 records

Marketing channels4 records

Core offering

Bank Spółdzielczy w Zawadzkiem is a regional cooperative bank providing retail and business banking products including current and savings accounts, term deposits, personal and business loans, mortgages, credit cards, insurance intermediation, leasing, and digital payment services through internet and mobile banking platforms. The bank also offers specialized agricultural lending products and serves housing communities, farmers, SMEs, and individual customers across the Opolskie Voivodeship.

Product overview

Bank Spółdzielczy w Zawadzkiem is a regional cooperative bank offering a comprehensive suite of banking products and services for individual customers, businesses, farmers, and housing communities. The core offering includes multiple checking account variants (ROR, ROR PLUS, ROR MEGA PLATINUM, ROR JUNIOR, ROR STUDENT, ROR VIP, ROR SENIOR, ROR GOLD) plus currency accounts (EUROLAND in EUR, USD, GBP, CHF) and basic payment accounts. Digital banking is delivered through 24.BS internet banking, BS Zawadzkie Mobile app, BS Pay for mobile payments, and eCorpoNet for business clients. Payment services include VISA and MasterCard cards, BLIK mobile payments, PayByNet online payments, Express Elixir instant transfers, and BlueCash fast payments. The bank also offers term deposits, savings accounts (SKARBONKA), and various credit products including cash loans, mortgages, vehicle loans, revolving credit, and renewable energy loans. Additional services include leasing, insurance products (property, life, credit life), SMS banking, Kartosfera card management portal, and payment gateway for e-commerce. The bank serves individual, business, agricultural, and housing community segments through its central location and branch network.

Differentiator

Problem solved

Functional benefit

Brands

• 24.BS: Internet banking platform for individual customers
• eCorpoNet
• BS Pay
• Kartosfera

Products and services

• ROR (Rachunek oszczędnościowo-rozliczeniowy) Basic checking account for individual customers not using internet banking, with monthly maintenance fee of 5 PLN and 6 PLN monthly card fee.
• ROR PLUS Budget-friendly checking account with internet and mobile banking access, designed for cost-conscious individual customers.
• ROR MEGA PLATINUM Premium checking account offering free internet transfers and enhanced features for individual customers.
• ROR JUNIOR Free checking account with free internet transfers and free debit card for young account holders starting out.
• ROR STUDENT Student checking account for persons aged 18 and above, maintained during the education period but no longer than until age 26.
• ROR VIP Prestigious premium checking account offering savings-like interest rates, 18 PLN monthly fee, free transfers, and premium services; requires minimum monthly deposits of 5,000 PLN.
• ROR SENIOR Free checking account for persons aged 60 and above who receive ZUS or KRUS benefits.
• ROR GOLD Free checking account with free internet transfers for persons with regular monthly income from employment, ZUS, or KRUS.
• KONTO WALUTOWE EUROLAND Foreign currency checking account supporting EUR, USD, GBP, CHF with free opening, 6 PLN monthly maintenance, and VISA EURO debit card for Euro zone transactions.
• PODSTAWOWY RACHUNEK PŁATNICZY Basic payment account in PLN for individuals without an existing checking account in any Polish bank, with free opening, maintenance, electronic banking, and first 5 monthly transactions.
• Lokata terminowa w złotych Term deposit account in Polish zloty offering competitive fixed-term interest rates for individual savers.
• Konto oszczędnościowe SKARBONKA Flexible savings account designed for easy-access money storage with competitive interest.
• Kredyt "gotówkowy" Personal cash loan currently promoted at 0% commission with a 3.00 percentage point fixed margin above the reference rate.
• Kredyt ZAUFANIE Personal credit product with trust-based lending terms for individual borrowers.
• Kredyt na zakup pojazdów Vehicle purchase financing loan for individual customers.
• Kredyt odnawialny w rachunku ROR Revolving credit line attached to a checking account with maximum limit of 9x average monthly deposits, 12-month repayment period, and interest charged only for days of credit usage.
• Kredyt mieszkaniowy-hipoteczny Mortgage loan for residential property purchase with long-term financing.
• Kredyt mieszkaniowy-remontowy Housing renovation loan for property improvement financing for individual customers.
• Kredyt na odnawialne źródła energii Loan financing renewable energy source installations supporting green energy investments for individual customers.
• Leasing Leasing services for movable property (new and used vehicles/machinery), commercial real estate, and sale-and-leaseback arrangements for individuals and businesses.
• VISA Credit Personal credit card offering free usage with active use, up to 51 interest-free days for debt repayment, credit limit up to 20,000 PLN, installment plan option, and supplementary card option for persons over 13.
• VISA Credit Gold Premium personal credit card with up to 56 interest-free days, credit limit up to 50,000 PLN, credit card transfers, installment plan, and international transaction support.
• VISA Business Credit Business credit card with free usage when actively used, credit limit up to 50,000 PLN, financial liquidity increase for businesses, and ability to issue multiple cards with individual limits.
• VISA Business Gold Premium business credit card with limit up to 100,000 PLN, free automatic debt repayment service, and transactions without additional fees domestically and internationally.
• 24.BS Internet Banking Online banking platform providing 24/7 access to accounts, transfers, payment scheduling, transaction history, and loan repayment management via web browser for individual customers.
• eCorpoNet Business Banking Dedicated business banking platform for corporate clients with comprehensive account management, fast payment capabilities, and enhanced features for business transaction needs.
• BS Zawadzkie Mobile Mobile banking application enabling domestic transfers, own-account payments, phone top-ups, BLIK mobile payments, and full access to banking product information including accounts, cards, deposits, and loans.
• BS Pay Mobile payment application with expanded functionalities for card holders and banking service users, enabling phone-based contactless payments.
• Bramka płatnicza (Payment Gateway) Payment gateway for online stores enabling simple and secure payment processing for e-commerce merchants.
• Ubezpieczenia (Insurance Distribution) Insurance intermediary services offering property, life, travel, and credit life insurance products distributed through partnerships with Generali Życie, Vienna Life, SALTUS, and WARTA.

Quantifiable outcome

• Up to 51-56 days interest-free credit on credit cards
• +2 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature7 records

Partnerships

Eleven partnerships are on record, tiered core and secondary.

• Generali Życie Towarzystwo Ubezpieczeń S.A.coreOthersInsurance intermediary partnership for life and health insurance products, travel insurance, and the 'Życie Komfort' insurance product providing comprehensive coverage including death benefit and 6 additional clauses covering work disability, job loss, and serious illness.
• Towarzystwo Ubezpieczeń na Życie WARTA S.A.coreOthersLife insurance partnership offering individual insurance for borrowers with three protection variants: death only, death plus permanent total disability, and comprehensive coverage including death, disability, and serious illness.
• SALTUS Towarzystwo Ubezpieczeń na Życie S.A.secondaryOthersLife insurance partner offering individual protective life insurance for securing financial obligations including personal loans and mortgage loans. Features quick contract conclusion and transparent pricing.
• Vienna Life Towarzystwo Ubezpieczeń na Życie S.A. Vienna Insurance GroupsecondaryOthersTerm life insurance with optional extensions covering accidental death in traffic, hospitalization, serious illness (27 disease units including cancer, heart attack, stroke), specialized treatment, and permanent disability.
• Bank BPS S.A.coreTechnology or IntegrationCore banking system partner providing shared banking infrastructure including ATM network (Bankomaty), card processing through Kartosfera portal, and customer support hotline (801 321 456). The bank operates as part of the BPS banking group.
• Express Elixir (KIR S.A.)coreTechnology or IntegrationInstant payment system enabling immediate fund transfers between accounts at different banks 24/7, with maximum single transfer of 50,000 PLN.
• BlueCash (System Płatności BlueCash)coreTechnology or IntegrationFast payment system enabling immediate transfers available 24/7 through the 24.BS-Zawadzkie banking platform.
• PayByNetcoreTechnology or IntegrationModern secure internet transaction platform with guaranteed payment processing, operating 24 hours a day, 7 days a week.
• BLIK (Polski Standard Płatności)coreTechnology or IntegrationPopular mobile payment method available in the BS Zawadzkie Mobile app for cashless payments and cash withdrawals.
• Bankowy Fundusz Gwarancyjny (BFG)coreOthersPolish Banking Guarantee Fund providing deposit protection for bank customers, ensuring safety of deposits up to statutory limits.
• Krajowa Izba Rozliczeniowa S.A. (KIR)coreTechnology or IntegrationNational Clearing House providing payment system infrastructure including Express Elixir instant payment services.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Santander Bank Polska: Top-3 Polish universal bank with full retail and SME product suite. Competes directly with BS Zawadzkie for retail accounts, credit cards, and SME lending in the Opolskie region, though with significantly larger scale and broader product range.
• Credit Agricole Bank Polska: Mid-tier Polish universal bank with strong agricultural lending franchise and retail presence in smaller cities. Particularly comparable to BS Zawadzkie in its rural and agricultural customer focus, though at significantly larger scale.
• ING Bank Śląski: Major Polish retail and SME bank known for digital innovation (ING Mobile). Competes with BS Zawadzkie on retail accounts, instant payments, and mobile banking experience, though with much broader geographic reach and digital marketing scale.
• BNP Paribas Bank Polska: Universal Polish bank offering retail, SME, and corporate banking with growing agricultural finance presence. Direct competitor for business accounts, investment loans, and credit products in the Opolskie Voivodeship.
• Bank Pekao S.A. Major Polish universal bank with strong retail, SME, and agricultural lending presence, particularly in southern Poland. Comparable product offerings (ROR, mortgage, cash loans, credit cards, leasing) and direct competitor for both individual and business customers in the bank's catchment.
• SGB-Bank S.A. (Spółdzielcza Grupa Bankowa): Central bank of the SGB cooperative banking group in Poland, parallel to the BPS group that BS Zawadzkie belongs to. Comparable cooperative banking federation model, technology infrastructure, and target customer segments (rural retail, SME, agriculture).
• Powszechna Kasa Oszczędności Bank Polski (PKO BP): Poland's largest universal bank, offering retail, SME, and agricultural lending with a national branch network. Directly comparable product suite (accounts, mortgage, cash loans, credit cards) and a top competitor for retail and SME customers in the Opolskie region.
• Bank BPS S.A. Parent of the BPS banking group that provides BS Zawadzkie's core technology, ATM network, and card processing. While not a direct competitor, BPS is the structural peer most comparable in business model, product mix, and customer segment as the group leader for Polish cooperative banks.

Direct peers

• Bank Spółdzielczy w Strzelcach Opolskich: Cooperative bank serving the same Opolskie region, with a closely comparable customer base of farmers, SMEs, and retail customers. Direct competitor for cooperative banking members and agricultural lending in nearby municipalities.
• Bank Spółdzielczy w Opolu: Another cooperative bank in the Opolskie Voivodeship and likely member of the BPS group. Closest direct peer to BS Zawadzkie in cooperative ownership structure, product mix, and regional focus, operating in adjacent market areas.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/bszawadzkie

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

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 Cooperative Bank in Zawadzkie