Pomorski Bank Spoldzielczy W Swidwinie

What Pomorski Bank Spoldzielczy W Swidwinie does

Pomorski Bank Spółdzielczy w Świdwinie is a Polish cooperative bank (bank spółdzielczy) headquartered in Świdwin in the West Pomeranian Voivodeship, operating as a member of the Spółdzielcza Grupa Bankowa (SGB) — a network protecting nearly 200 cooperative banks across Poland. The bank serves five distinct customer segments: individual retail customers, small and medium enterprises, farmers and agricultural producers, residential housing communities, and local government units (JST). Its core technology platform is the shared SGB24 internet banking system and SGB Mobile application, supplemented by integrations with BLIK, Apple Pay, Google Pay, Western Union, and KIR's Szafir qualified electronic signature service.

The bank's product portfolio spans the full retail and commercial banking stack: five personal checking-account variants under the Takie Konto brand (Spoko, Proste, Bliskie, Mobilne, Premium), business accounts (PBS Konto Biznes, PBS Konto Firma), and specialized accounts for farmers and non-profit housing communities. Lending products include cash loans, revolving credit, mortgages, consolidation loans, and credit cards for individuals; operating credit, investment loans, EU-aligned SGB loans, and credit limits for businesses and farmers. Savings products include term deposits (Lokata Terminowa, Internetowa, Słoneczna), savings accounts, and foreign-currency accounts supporting EUR, USD, GBP, CHF, AUD, and CAD with multi-currency debit card functionality. Fee-based services include insurance distribution through Generali, leasing, payment terminals via Fiserw and ITCard, currency exchange via Kantor SGB, and electronic document management through Moje Dokumenty SGB.

Revenue is generated through five primary streams: net interest income from lending (the dominant stream), interest earned on customer deposits, recurring account maintenance fees across all segments, transaction and commission fees, and affiliate income from insurance and leasing partnerships. The bank distributes its products through a hybrid model combining physical branch presence in the West Pomeranian region with shared SGB-network ATM infrastructure and digital self-service via SGB24 and SGB Mobile. As an official distribution channel for national government programs (Rodzina 800+, Dobry Start, Ustawowe Wakacje Kredytowe, Tarcza Finansowa) and BGK-backed agricultural guarantee programs (FGR, FGR PLUS Agromax), the bank leverages these channels for both customer acquisition and economic development support in its service region.

Name

Pomorski Bank Spoldzielczy W Swidwinie

Legal name

Pomorski Bank Spółdzielczy w Świdwinie

Website

https://pomorski-bs.pl

Company type

Private

Operating status

Operating

Headcount range

101–250 employees

Short description

Pomorski Bank Spółdzielczy w Świdwinie is a Polish cooperative bank headquartered in Świdwin, West Pomeranian Voivodeship, serving retail customers, SMEs, farmers, housing communities, and local government units through physical branches and the SGB digital banking platform.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Depository Credit Intermediation (5221), Credit Unions (52213)

SIC

Savings Institutions, Not Federally Chartered (6036), National Commercial Banks (6021)

akta.pro primary industry

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

akta.pro secondary industries

SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB), Public Sector & Municipal Credit Unions (FSABAEAK)

Keywords

• Retail banking services
• Cooperative banking
• Agricultural lending
• Consumer credit products
• SME banking services

Headquarters

HQ city

Swidwin

HQ country

Poland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Traditional banking revenue generated from lending activities including consumer loans, mortgages, agricultural credit, and business financing. Interest is charged on various loan products including cash loans, revolving credit, housing loans, consolidation loans, and agricultural credit facilities.
2. Deposit Interest: Interest earned on customer deposits including term deposits, savings accounts, and current accounts. The bank offers various deposit products including promotional term deposits and internet-based savings accounts.
3. Account Maintenance Fees: Monthly or periodic fees for maintaining various account types including personal accounts (Takie Konto variants), business accounts (PBS Konto Biznes, PBS Konto Firma), and specialized accounts for farmers and communities.
4. Commission and Fee Income: Transaction fees, wire transfer commissions, ATM withdrawal fees, payment processing fees, foreign exchange fees, and commissions from services like Western Union money transfers and insurance products.
5. Insurance Distribution: Commission revenue from selling insurance products through partnership with Generali insurance company, covering individual, business, and agricultural insurance products.
6. Leasing Services: Revenue from leasing arrangements for business equipment and vehicle financing offered through the bank's business and agricultural customer segments.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Pomorski Bank Spółdzielczy w Świdwinie is a Polish cooperative bank offering a comprehensive suite of retail, SME, agricultural, housing-community, and local-government banking products through the SGB cooperative network. Its core offering includes current and savings accounts (Takie Konto family, PBS Konto Biznes/Firma, PBS Non Profit), consumer and mortgage loans, agricultural credit with BGK guarantees, term deposits, foreign currency accounts, leasing, insurance distribution (Generali), payment terminals, Western Union remittances, and qualified electronic signatures (Szafir), all delivered through physical branches and the SGB24 / SGB Mobile digital channels.

Product overview

Pomorski Bank Spółdzielczy w Świdwinie is a cooperative bank offering a comprehensive suite of banking products through the SGB (Spółdzielcza Grupa Bankowa) network. The core offering includes SGB24 internet banking and SGB Mobile app for digital banking, complemented by multiple account types under the Takie Konto brand family (Spoko, Proste, Bliskie, Mobilne, Premium) for retail customers and PBS Konto Biznes/Firma for business clients. The bank provides credit products including cash loans, mortgages, consolidation loans, and credit cards, alongside savings products such as term deposits (Lokata Terminowa, Internetowa, Słoneczna) and foreign currency accounts with multi-currency card functionality. Additional services include electronic signature (Szafir), insurance partnerships with Generali, payment terminals through Fiserw and ITCard, leasing, currency exchange (Kantor SGB), and government support programs including BGK agricultural guarantees (FGR PLUS, PLG FGR) and various subsidy programs like Rodzina 800+ and Dobry Start. The bank integrates with BLIK, Google Pay, Apple Pay, and Western Union for payment services, and offers dedicated segments for farmers, businesses, and non-profit communities.

Differentiator

Problem solved

Functional benefit

Brands

• SGB Mobile: Mobile banking application for SGB network customers
• SGB24
• Takie Konto
• PBS Konto Biznes
• PBS Non Profit

Products and services

• SGB24 Internet Banking Platform Online banking platform for retail customers (SGB24) and SMEs (SGB24 Biznes) providing account access, transfers, payments, and product applications. Shared infrastructure operated across the SGB cooperative network.
• SGB Mobile Application Mobile banking application available on iOS (App Store) and Android (Google Play) for account management, BLIK payments and cash withdrawals, transaction history, and document access. Shared SGB-network application.
• Takie Konto Personal Account Family Family of personal checking accounts for individual customers including Takie Konto Spoko (standard features), Takie Konto Proste (basic), Takie Konto Bliskie (family-oriented), Takie Konto Mobilne (mobile-focused), and Takie Konto Premium (enhanced benefits).
• PBS Konto Biznes (Business Account) Business checking account for small and medium enterprises providing transaction banking, transfers, and payment services for company operations.
• PBS Konto Firma (Enterprise/Farmer Account) Business account for enterprises and farmers with tailored features for company and farm banking needs, including cash management and payment services.
• PBS Non Profit Account Dedicated banking account product for housing communities (wspólnoty), housing cooperatives, and non-profit organizations, including reserve-fund management features.
• Podstawowy Rachunek Płatniczy (Basic Payment Account) Statutory basic payment account meeting Polish regulatory requirements for universal banking access, with a defined set of standard services for any consumer.
• Rachunek Oszczędnościowy (Savings Account) Personal savings account for accumulating funds with interest earnings and easy access to balances.
• Rachunek Walutowy (Foreign Currency Account) Foreign currency current account supporting EUR, USD, GBP, CHF, AUD, and CAD with real-time exchange rates for holding and transacting in multiple currencies.
• Kredyt Gotówkowy (Cash Loan) Personal unsecured cash loan for individual financing needs with flexible repayment terms and no stated purpose requirement.
• Kredyt Mieszkaniowy (Mortgage Loan) Mortgage loan for purchasing, building, or refinancing real estate properties for personal residential use.
• Kredyt Konsolidacyjny (Consolidation Loan) Debt consolidation loan that combines multiple existing credit obligations into a single repayment with potentially lower total cost.
• Pożyczka Hipoteczna (Secured Home Loan) Secured loan against residential real estate for larger personal financing needs, with the property serving as collateral.
• Karta Kredytowa (Credit Card) Credit card providing a revolving credit facility for purchases and cash advances, with Mastercard ID theft protection included for cardholders.
• Kredyt Promocyjny (Promotional Loan) Promotional consumer loan with special terms, including the 'Ale Jedna Rata' single-installment consolidation option for combining obligations into one payment.
• Kredyt Unijny SGB (EU-aligned SGB Loan) Investment credit aligned with EU funding programs, available to SMEs and farmers for projects co-financed by European Union funds, including agricultural policy projects.
• Kredyt Inwestycyjny (Investment Loan) Business investment loan for SMEs to finance fixed assets, equipment, vehicles, and expansion projects with longer repayment tenors.
• Kredyt Obrotowy (Working Capital Credit) Short-term working capital credit for businesses and farmers, available in variants including Podręczny kredyt obrotowy (handy working credit), Kredyt obrotowy w RB (revolving credit in current account), and Limit kredytowy na cele obrotowe (credit limit for working capital purposes).
• Kredyt dla JST (Local Government Unit Loan) Specialized credit product for local government units (gminy, powiaty) to finance municipal operations and infrastructure investments.
• Lokata Terminowa (Term Deposit) Family of term deposits including Lokata Terminowa (standard fixed-term deposit), Lokata Internetowa (online deposit with competitive rates), and Lokata Słoneczna / Lokata promocyjna (seasonal promotional deposits with enhanced rates).
• Leasing Services Leasing arrangements for businesses and farmers to finance equipment, machinery, and vehicles, delivered through SGB Leasing.
• Ubezpieczenia (Insurance Distribution) Distribution of individual, business, and agricultural insurance products under a partnership with Generali, available through the branch network and digital channels.
• Podpis Elektroniczny Szafir (Qualified Electronic Signature) Qualified electronic signature service from KIR (Szafir and mSzafir mobile) enabling customers to digitally sign contracts, ZUS declarations, tax filings, and official government submissions.
• Terminale Płatnicze (Payment Terminals / POS) Card payment terminals for merchants, provided through partners Fiserw and ITCard, enabling businesses to accept card transactions in-store.
• Kantor SGB (Currency Exchange) Online currency exchange platform integrated with the bank's services for buying and selling foreign currencies at competitive rates.
• Wielowalutowość (Multi-Currency Card) Multi-currency debit card feature enabling payments in foreign currencies (EUR, USD, GBP and others) with automatic currency conversion at point of sale and ATM withdrawals.
• Moje Dokumenty SGB (Electronic Document Management) Digital document storage and retrieval service providing customers electronic access to bank statements, contracts, and other banking documents.
• Gwarancja FGR PLUS (Agromax) — BGK Agricultural Guarantee Free credit guarantee from Bank Gospodarstwa Krajowego (BGK) supporting agricultural sector investment and operating loans under the EU Common Agricultural Policy framework.
• Gwarancja PLG FGR — BGK Portfolio Guarantee Portfolio guarantee line from BGK providing up to 80% credit guarantee coverage for working capital loans extended to the agricultural sector.
• Kredyt Inwestycyjny na Remont (Renovation Investment Loan) Investment credit for housing communities and cooperatives to finance the renovation of residential buildings.
• Kredyt na Termomodernizację (Thermal Modernization Loan) Credit product for housing communities and cooperatives to finance energy efficiency improvements and thermal modernization of residential buildings.
• Fundusz Wsparcia Kredytobiorców (Borrower Support Fund) Government-backed support program allowing eligible mortgage borrowers to apply for repayment support under the national Borrower Support Fund.

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Spółdzielcza Grupa Bankowa (SGB)coreTechnology or IntegrationThe bank is a member of the SGB cooperative banking network, which provides shared technology infrastructure including SGB24 internet banking platform, SGB Mobile application, ATM network (bankomatów SGB), and payment processing systems. SGB Bank SA acts as the central institution of the zrzeszenie, guaranteeing liquidity and solvency for nearly 200 member cooperative banks.
• Bank Gospodarstwa Krajowego (BGK)coreStrategic or Co-development PartnerPartnership for government-supported guarantee programs including Fundusz Gwarancji Rolnych (FGR) and FGR PLUS (Agromax). BGK provides guarantee instruments that enable the bank to offer agricultural credit with favorable terms, reduced collateral requirements, and interest subsidies to eligible farmers and agri-businesses.
• GeneraliminorChannel Partner/ Reseller/ DistributorInsurance products distribution partnership offering individual, business, and agricultural insurance products through the bank's branch network. The partnership provides commission income while expanding the bank's product portfolio.
• Western UnionminorChannel Partner/ Reseller/ DistributorInternational money transfer services enabling customers to send and receive remittances globally through the bank's branch network and digital channels.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• PKO Bank Polski: Poland's largest universal bank with nationwide branch coverage including West Pomeranian. Competes for retail deposits, mortgages, and SME loans; sets market pricing that the cooperative must respond to.
• ING Bank Śląski: Major Polish retail and SME bank with leading digital capabilities (Moje ING). Comparable on consumer credit, current accounts, and SME offerings that overlap with the cooperative's core products.
• BNP Paribas Bank Polska: Large universal bank offering retail, SME, and agribusiness products across Poland, including in West Pomeranian. Provides competitive benchmark for lending rates, digital banking UX, and account packages.
• Bank Millennium: Universal bank with strong retail and small business franchise in Polish cities and regional centers. Comparable on consumer credit, mortgages, and transaction banking products.
• BPS Bank (Bank Polskiej Spółdzielczości) and member cooperative banks: Central institution of the competing BPS cooperative banking network in Poland. Operates a near-identical community-cooperative bank model with shared technology and product standards; the structural alternative to SGB membership.

Emerging players

• mBank: One of Poland's leading digital-first banks with strong SME and retail proposition. Represents the primary digital competitive threat to a traditional cooperative bank's deposit and consumer lending franchise.
• Revolut (Polish operations): Global neobank with growing Polish user base offering fee-free FX, multi-currency accounts, and instant payments. Directly competes with the cooperative's foreign currency accounts, multi-currency card, and Western Union-based remittance services.

Direct peers

• Credit Agricole Bank Polska: Polish bank with deep agricultural lending heritage and a strong SME and retail franchise in smaller cities and rural areas. Competes head-to-head for farmer and SME financing, although operating at a meaningfully larger scale.
• Bank Spółdzielczy w Chojnicach: A regional SGB cooperative bank operating in northern Poland with a similar agricultural and SME customer base and shared technology platform. Direct comparable in scale and product focus.
• Mazowiecki Bank Spółdzielczy w Łomiankach: Another SGB-affiliated cooperative bank serving a defined Polish region with a comparable mix of retail, SME, and agricultural credit. Same product stack (Takie Konto, SGB24, BGK guarantees) and same governance model, making it the closest one-to-one analog.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@SGBBankSA

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 Pomorski Bank Spoldzielczy W Swidwinie