neoBANK
neoBANK was the digital banking brand of Wielkopolski Bank Spółdzielczy, a Polish cooperative bank serving individual, SMB, and agricultural customers in Greater Poland with checking, savings, lending, and specialized farmer accounts until its 2024 transfer to Bank Nowy S.A.
- Company typePrivate
- Founded1961
- HeadquartersPoznan, Poland
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What neoBANK does
neoBANK was the digital banking brand of Wielkopolski Bank Spółdzielczy (Great Poland Cooperative Bank), a Polish cooperative bank headquartered in Poznan in the Greater Poland (Wielkopolska) region. Founded in 1961 and operating as a private cooperative institution with 101-250 employees, it served individual retail customers, entrepreneurs, and farmers through a portfolio that included personal checking accounts (neoKONTO and neoKONTO PROFIT), savings accounts, term deposits (Lokaty), consumer consolidation loans, mortgage loans, business accounts (Konto firmowe), farmer accounts (Konto rolnicze), business loans, and business term deposits.
The underlying platform was a conventional digital banking stack delivered through an online service channel, with monthly fee schedules (Taryfa prowizji i opłat) covering individual and business customers and differentiated tier structures (e.g., Z3, Z4/T4, Z5, Z6/T4 account versions). Customer relationships were direct-to-consumer, distributed entirely within Poland. The reported differentiators were ease of use, cost efficiency on deposits, and domain specialization for agricultural banking, rather than technology-led differentiation.
Commercially, neoBANK operated as a standard cooperative-bank revenue model: net interest margin on deposits and loans, plus recurring account fees billed monthly. On January 1, 2024 the entire banking business was transferred to Bank Nowy S.A., the neoBANK informational website was discontinued, and former customers were redirected to banknowy.pl. Membership matters were routed to Wielkopolska Spółdzielnia "Nowa." As of the latest inputs, neoBANK no longer exists as a distinct operating entity; post-transfer product activity (including 2025 fee promotions) is run under Bank Nowy S.A.
neoBANK firmographics
Firmographics- Name
- neoBANK
- Legal name
- Wielkopolski Bank Spółdzielczy
- Website
- https://neobank.pl
- Company type
- Private
- Founded year
- 1961
- Operating status
- Acquired
- Headcount range
- 101–250 employees
- Short description
- neoBANK was the digital banking brand of Wielkopolski Bank Spółdzielczy, a Polish cooperative bank serving individual, SMB, and agricultural customers in Greater Poland with checking, savings, lending, and specialized farmer accounts until its 2024 transfer to Bank Nowy S.A.
- Ownership category
- akta.pro rank
neoBANK industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)
- SIC
- Commercial Banks, Nec (6029), Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Retail-focused Neobanks (Mass Market) (FSABAFAA)
- akta.pro secondary industries
- SME/Business Neobanks (FSABAFAB), Digital Banking & Neobank Platforms (BPAMAFAD), Neobank Core Platform (Retail/SME Digital Bank) (FSAGAAAA)
Keywords
Where neoBANK is headquartered
LocationHeadquarters
- HQ city
- Poznan
- HQ country
- Poland
- HQ region
- Europe
Offices1 record
Markets served
neoBANK business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Banking Services Revenue: Traditional banking revenue streams from deposit-taking and lending activities. As a cooperative bank (Bank Spółdzielczy), generated revenue from interest spreads on loans and deposits, account fees, and credit products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | neoKONTO - Personal checking account |
| Subscription | Monthly | Business Accounts - Konto firmowe/Konto rolnicze |
| Subscription | Annual | Savings Deposits - Lokaty |
| Other | Monthly | Credit Products - Kredyty |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels1 record
neoBANK product offering
Product offeringCore offering
neoBANK was a digital banking brand of Wielkopolski Bank Spółdzielczy (Great Poland Cooperative Bank) in Poland. It offered personal banking products (neoKONTO, neoKONTO PROFIT, savings accounts, term deposits, consolidation and mortgage loans) and business banking products (business accounts, farmer accounts, business loans, business term deposits) for individual customers, entrepreneurs, and farmers. The brand was discontinued in January 2024 when the banking business was transferred to Bank Nowy S.A.
Product overview
Wielkopolski Bank Spółdzielczy (neoBANKu) was a Polish cooperative bank offering a digital banking brand called neoBANK. The portfolio consisted of personal banking products (neoKONTO PROFIT, personal accounts, savings accounts, term deposits, and consolidation/mortgage loans) and business banking products (business accounts, farmer accounts, business loans, and business term deposits). These products served individual customers, entrepreneurs, and farmers. On January 1, 2024, the neoBANK enterprise was transferred to Bank Nowy S.A., and all products and services are now handled by Bank Nowy S.A. as of January 2, 2024.
Differentiator
Problem solved
Functional benefit
Products and services
- neoKONTO (Personal Account) Personal checking account offered to individual customers, governed by the personal account regulations of Wielkopolski Bank Spółdzielczy.
- neoKONTO PROFIT Premium personal checking account with promotional fee terms offered to individual customers.
- Savings Account (Konto oszczędnościowe) Savings account for natural persons, governed by savings account regulations.
- Term Deposits (Lokaty) Term deposit accounts (lokaty) for individual customers, offering savings with fixed terms.
- Business Account (Konto firmowe) Business account for entrepreneurs available in multiple versions (Z3, Z4/T4) with associated fee schedules.
- Farmer Account (Konto rolniczego) Farmer account (Konto rolniczego) for agricultural businesses, available in multiple versions (Z5, Z6/T4).
- Consolidation and Mortgage Loans (Kredyty konsolidacyjne i hipoteczne) Credit and loan products including consolidation loans and mortgage loans for individual customers.
- Business Loans (Kredyty i pożyczki dla Przedsiębiorców) Business credit and loan products for entrepreneurs and firms.
- Business Term Deposits (Rachunki lokat terminowych) Term deposit accounts (rachunki lokat terminowych) for business customers.
Companies that use neoBANK
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
neoBANK technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
neoBANK partnerships and signals
Strategic signalScale indicators1 record
Recent moves7 records
Expansion highlights2 records
neoBANK competitors and assessment
Company assessmentDirect peers
- Alior Bank: Polish digital-native bank offering retail and business accounts, savings, and lending via online channels; comparable product mix and target segments to neoBANK's digitally-distributed personal and SME banking suite.
- mBank: One of Poland's largest digital-first retail and SME banks; directly comparable to neoBANK's positioning as a digitally-distributed retail/SME bank with checking, savings and lending products for Polish customers.
- Bank Nowy S.A. The direct successor entity that absorbed Wielkopolski Bank Spółdzielczy (neoBANK) on January 1, 2024 and now services all former neoBANK customers, products and the cooperative banking franchise in Greater Poland.
- SGB-Bank S.A. (Spółdzielcza Grupa Bankowa): Head entity of a network of Polish cooperative banks (banki spółdzielcze) similar in legal form to Wielkopolski Bank Spółdzielczy — the most structurally comparable peer given neoBANK's cooperative bank origin.
Broad incumbents
- Santander Bank Polska: Top-tier Polish bank offering retail accounts, savings, mortgages and SME credit products — comparable breadth to neoBANK's portfolio and competes in the same Polish geographic market.
- BNP Paribas Bank Polska: Major Polish universal bank with full retail, SME and agricultural lending offerings — directly overlaps neoBANK's personal banking, business banking and farmer account propositions.
- ING Bank Śląski: Major Polish bank with a strong digital channel (Moje ING) and broad retail/SME product suite including accounts, savings and mortgages; competes head-to-head with neoBANK's proposition in the Polish retail and business banking market.
- Bank Pekao S.A. One of Poland's largest universal banks offering retail checking, savings, mortgages, and SME/agricultural banking — overlapping neoBANK's product set including dedicated agricultural finance products.
- Bank Millennium: Polish universal bank with a strong digital proposition for retail and SME customers, offering checking accounts, savings, mortgages and business loans comparable to neoBANK's product mix.
- Credit Agricole Bank Polska: Polish universal bank with established retail and agricultural banking expertise — directly comparable to neoBANK's niche in farmer and SME banking alongside mainstream retail products.
Market position
Strengths3 records
Weaknesses3 records
Competitive moat4 records
Key risks4 records
Key highlights4 records
Customer concentration
neoBANK social profiles
Digital presenceneoBANK financial estimates
Financial estimateRevenue estimate
Valuation estimate
neoBANK leadership team
Management profileNumber of profiles
neoBANK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
neoBANK M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about neoBANK
What does neoBANK do?
neoBANK was a digital banking brand of Wielkopolski Bank Spółdzielczy (Great Poland Cooperative Bank) in Poland. It offered personal banking products (neoKONTO, neoKONTO PROFIT, savings accounts, term deposits, consolidation and mortgage loans) and business banking products (business accounts, farmer accounts, business loans, business term deposits) for individual customers, entrepreneurs, and farmers. The brand was discontinued in January 2024 when the banking business was transferred to Bank Nowy S.A.
Is neoBANK a public or private company?
neoBANK is a private company. It is classified as corporate owned and is currently acquired.
When was neoBANK founded?
neoBANK was founded in 1961. It employs 101 to 250 people.
Where is neoBANK based?
neoBANK is headquartered in Poznan, Poland, in the Europe region.
How does neoBANK make money?
One revenue line is on record: banking Services Revenue.
Who are neoBANK's main competitors?
Direct peers on record are Alior Bank, mBank, Bank Nowy S.A. and SGB-Bank S.A. (Spółdzielcza Grupa Bankowa). Broad incumbents are Santander Bank Polska, BNP Paribas Bank Polska, ING Bank Śląski, Bank Pekao S.A., Bank Millennium and Credit Agricole Bank Polska.
Does neoBANK have an API?
No public API is recorded for neoBANK.
What industry is neoBANK in?
neoBANK's product category is Retail Banking. Its primary akta.pro industry code is FSABAFAA, Retail-focused Neobanks (Mass Market), with a secondary code of FSABAFAB, SME/Business Neobanks. Its NAICS code is 52218 and its SIC code is 6029.