Bank Spółdzielczy w Goleniowie

What Bank Spółdzielczy w Goleniowie does

Bank Spółdzielczy w Goleniowie (Bank Spółdzielczy w Goleniowie [Bank Spółdzielczy w Goleniowie]) is a Polish cooperative bank (bank spółdzielczy) established in 1948, headquartered in Goleniów and operating 10 branch locations across the West Pomeranian Voivodeship (Zachodniopomorskie) in northwestern Poland. The bank serves three customer segments — individual/retail customers, business/enterprise clients, and agricultural producers — with a particular specialization in agricultural financing developed over more than 60 years. It is a member of the Spółdzielcza Grupa Bankowa (SGB [Spółdzielcza Grupa Bankowa]), a cooperative banking group comprising 202 member banks and SGB-Bank S.A., which provides shared infrastructure, risk management, institutional protection via IPS-SGB, and access to approximately 4,000 fee-free ATMs nationwide.

The bank's product portfolio encompasses current and term deposit accounts in PLN, EUR, USD, and GBP; a full range of agricultural and business credit products (including investment loans, revolving credit, EU-linked loans, preferential ARiMR credits, and overdrafts); payment cards with contactless and 3D-Secure functionality; insurance distribution (Generali AGRO products including subsidized crop insurance); and referral-based access to SGB-Leasing and Faktorzy S.A. factoring. Digital channels include the Nasz Bank mobile application (developed by NOVUM Sp. z o.o., available on Android and iOS) and a 24/7 internet banking platform (IB24). The bank operates a PSD2-compliant PolishAPI 2.1.1 interface supporting AIS, PIS, and CAF services for third-party providers, and deployed a Fraud Detection System (FDS) in October 2024 for real-time transaction monitoring. Payment integrations include BLIK, Google Pay, PayByNet, and instant transfers via the BlueCash network.

The bank's revenue model is anchored in net interest income from its lending portfolio (particularly agricultural and SME credits), supplemented by transaction-based commission and fee income from account maintenance, transfers, card operations, and FX services. Deposits are protected by the Bank Guarantee Fund (BFG) up to 100,000 EUR per depositor and additionally by the IPS-SGB institutional protection scheme. Distribution is primarily direct through the branch network, complemented by digital self-service channels and SGB Group-level partnerships. Pricing follows published fee schedules (taryfa prowizji i opłat) for individual and institutional clients, with individualized credit pricing and standardized deposit rate tables.

Name

Bank Spółdzielczy w Goleniowie

Legal name

Bank Spółdzielczy w Goleniowie

Website

https://bsgoleniow.pl

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

1–10 employees

Short description

Bank Spółdzielczy w Goleniowie is a Polish cooperative bank established in 1948, operating 10 branches across West Pomeranian Voivodeship to serve retail, business, and agricultural customers with deposit, lending, payment, and insurance products as a member of the SGB cooperative banking group.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Commercial Banking (522110), Credit Unions (522130)

SIC

State Commercial Banks (6022)

akta.pro industry

PRIMARYFSABALAE

Deposit Operations (Account Maintenance, Fees, Reconciliations)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Banking Operations & Shared Services (Back Office, BPO/SSC)

SECONDARYFSABALAD

Loan Operations & Servicing (Consumer/SME/Corporate)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Banking Operations & Shared Services (Back Office, BPO/SSC)

Keywords

• Cooperative banking services
• Agricultural lending
• Retail banking
• Payment services
• Local deposit accounts

Headquarters

HQ city

Goleniów

HQ country

Poland

HQ region

Europe

Offices9 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 (Credit/Lending): The bank generates revenue primarily through interest income from lending activities, including agricultural credits, business loans, revolving credits, investment loans, and overdraft facilities extended to retail, business, and agricultural customers.
2. Commission and Fee Income: Fees and commissions are charged for account maintenance, transaction processing, card operations, foreign exchange, and other banking services as outlined in the bank's published fee schedule (Taryfa prowizji i opłat) for both individual and institutional clients.
3. Deposit Taking: The bank accepts deposits from customers in PLN and foreign currencies (EUR, USD, GBP), paying interest on savings accounts and term deposits. Deposits are protected under the Bank Guarantee Fund (BFG) up to 100,000 EUR.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels3 records

Core offering

Bank Spółdzielczy w Goleniowie operates a cooperative bank providing retail, business, and agricultural financial services through 10 physical branches in the West Pomeranian Voivodeship and digital channels (Internet Banking IB24 and Nasz Bank/SGB Mobile). Core offerings include current accounts and deposits in PLN and foreign currencies, payment cards, BLIK and Google Pay-enabled payment services, FX exchange via Kantor SGB, and a comprehensive suite of agricultural and business credit products (Agrokredyt, Kredyt Własny Hektar, investment and revolving loans, EU-linked and ARiMR preferential loans, overdrafts). The bank distributes insurance products (Generali AGRO, crop insurance with government subsidy) and refers leasing and factoring to SGB Group partners, operating within a PSD2-compliant, FDS-protected technology infrastructure.

Product overview

Bank Spółdzielczy w Goleniowie operates as a cooperative bank providing comprehensive financial services through a multi-channel platform. The core offering consists of Internet Banking (Bankowość Elektroniczna) and the Nasz Bank mobile application for 24/7 account management. The product portfolio is structured around payment services (BLIK, Google Pay, PayByNet, 3D-Secure, instant transfers, mobile top-ups), deposit products (standard deposits in multiple currencies, current accounts), credit products (agricultural loans including agrokredyt, investment loans, revolving credit, EU-linked loans, preferential ARiMR loans, and Własny Hektar land purchase loans), supplementary services (currency exchange via Kantor SGB, insurance products through Generali AGRO including crop insurance with government subsidies, and SGB-Leasing/factoring through group partners), and agricultural support including BGK portfolio guarantees (PLG FGR) for working capital financing. The bank serves individual customers, businesses, and the agricultural sector with 10 branch locations in the Goleniów region.

Differentiator

Problem solved

Functional benefit

Products and services

• Mobile Banking (Nasz Bank / SGB Mobile) Mobile banking application for Android and iOS providing 24/7 account access, transfers, deposits, loan information, and mobile authorization replacing paper password lists and SMS codes.
• Internet Banking (Bankowość Elektroniczna) Web-based electronic banking platform providing 24/7 access to account management, transfers, deposits, mobile top-ups, currency exchange, and loan applications without visiting branches.
• Rachunek Bankowy dla Rolnictwa (Agricultural Bank Account) Current bank account for agricultural operations providing access to domestic and foreign settlements, multi-currency accounts (EUR, GBP, USD), credit facilities, deposits, and payment cards.
• Lokata Standardowa (Standard Term Deposit) Term deposits in PLN, GBP, EUR, and USD with flexible terms, no account maintenance fees, minimum amounts of 1,000 PLN or 500 in foreign currencies, and BFG protection up to 100,000 EUR.
• Agrokredyt Quick-access agricultural loan for current farming needs including input purchases, sales settlements, inventory, and credit refinancing, with multiple repayment options and reactivation capability.
• Kredyt Własny Hektar Investment loan for purchasing agricultural land and buildings up to 100,000 PLN without collateral, with a repayment period of up to 15 years.
• Kredyt Unijny (EU-Linked Agricultural Loan) Loan for financing agricultural investments with EU foreign funds participation, up to 8-year term and up to 12-month capital grace period, granted in PLN.
• Kredyt Inwestycyjny dla Rolników (Agricultural Investment Loan) Investment loan for financing agricultural capital expenditures including machinery, equipment, vehicles, real estate purchases, and development projects.
• Kredyt Rewolwingowy (Revolving Agricultural Credit) Revolving credit facility for financing current agricultural operational needs without requiring an equity contribution, with multiple repayment and reactivation capability.
• Kredyt Obrotowy dla Rolnictwa (Agricultural Working Capital Loan) Working capital loan for agricultural operational needs including seasonal expenses, VAT payments, and temporary financing requirements.
• Kredyt Obrotowy w Rachunku (Agricultural Overdraft Facility) Overdraft facility providing constant access to funds as needed without repeated applications, with up to 12-month renewable repayment period.
• Kredyty Preferencyjne (ARiMR Preferential Loans) Preferential loans with subsidies from Agencja Restrukturyzacji i Modernizacji Rolnictwa including investment loans (RR), land purchase loans (Z), young farmer loans with partial capital repayment (MRcsk), and processing investment loans (PR).
• Gwarancje PLG FGR BGK (BGK Portfolio Guarantee Line) Portfolio guarantee line from Bank Gospodarstwa Krajowego covering up to 80% of credit amount for the agricultural sector, available for revolving and non-revolving working capital loans up to 200,000 EUR with interest subsidies of up to 7%.
• Ubezpieczenia Rolnik (Generali AGRO Insurance) Agricultural insurance packages offered as an agent of Generali Towarzystwo Ubezpieczeń S.A. including GENERALI AGRO (buildings, equipment, accident, liability), GENERALI AGRO EXPERT (machinery and equipment), and livestock coverage.
• Ubezpieczenie Upraw (Crop Insurance with Subsidy) Crop insurance with government subsidy covering up to 65% of premiums, insuring against winter damage, hail, spring frosts, hurricanes, heavy rain, and drought, distributed in partnership with Generali.
• SGB-Leasing Leasing services for fixed assets including vehicles, machinery, agricultural equipment, medical devices, office equipment, and real estate distributed through the SGB Group partner SGB-Leasing.
• Faktoring (Faktorzy S.A. Factoring) Factoring services for invoice payments enabling early fund receipt, improved liquidity, extended payment terms, and accounts receivable management, distributed through SGB Group partner Faktorzy S.A.
• Karty Płatnicze (Business Payment Cards) Payment cards for business use featuring contactless functionality, free ATM withdrawals at SGB network, internet payment capability with 3D-Secure, cashback availability, and 4-year validity.
• Karty Przedpłacone/Świadczeniowe (Prepaid Cards) Prepaid cards for institutional clients enabling expense management without cash advances, suitable for fuel, hotels, airline tickets, and bonus/incentive payments.
• Kantor SGB (Currency Exchange Service) Currency exchange service integrated with electronic banking supporting EUR, USD, GBP with competitive rates, instant execution, future-dated orders at specified exchange rates, extended hours, 50,000 PLN per-transaction limit, and 300,000 PLN daily total limit.
• Przelewy Natychmiastowe (Express Transfers) Instant transfers via BlueCash network reaching recipient accounts within 15 seconds, available 24/7/365, with maximum amount of 10,000 PLN per transaction.
• PSD2 Open Banking API (PolishAPI 2.1.1) PSD2-compliant REST/OAuth2/JSON API supporting AIS (Account Information Service), PIS (Payment Initiation Service), and CAF (Confirmation of Available Funds) for authorized Third Party Providers, with sandbox environment available.

Quantifiable outcome

• Over 2,000 reflective safety vests donated to children as part of the bank's CSR program
• +1 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

Integration6 records

AI capability2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Spółdzielcza Grupa Bankowa (SGB)coreStrategic or Co-development PartnerBank Spółdzielczy w Goleniowie is a member of the Spółdzielcza Grupa Bankowa (SGB), a cooperative banking group comprising 202 cooperative banks and SGB-Bank S.A. The group provides shared IT infrastructure, risk management systems, product development, ATM networks (~4,000 fee-free machines), and institutional protection through the IPS-SGB system. The group also offers supplementary products including leasing and factoring through affiliated companies.
• Zakład Usług Informatycznych NOVUM Sp. z o.o.coreTechnology or IntegrationNOVUM Sp. z o.o. (based in Łomża) developed the Nasz Bank mobile banking application for the bank's customers. The application is available on Google Play and App Store and provides full mobile banking functionality including account access, transfers, deposit management, and mobile authorization.
• Generali Towarzystwo Ubezpieczeń S.A.coreStrategic or Co-development PartnerThe bank acts as an insurance agent (Agent nr licencji) for Generali in offering agricultural insurance products including: GENERALI AGRO (buildings, equipment, NNW, OC), GENERALI AGRO EXPERT (machinery and equipment), and livestock insurance. The bank also offers crop insurance with government subsidies of up to 65% of the premium.
• SGB-LeasingcoreChannel Partner/ Reseller/ DistributorSGB-Leasing, a company within the SGB Group, provides leasing services for agricultural equipment, machinery, vehicles, real estate, and other fixed assets to the bank's customers. The bank refers customers requiring equipment financing to SGB-Leasing.
• Faktorzy S.A.minorChannel Partner/ Reseller/ DistributorFaktorzy S.A., a company within the SGB Group, provides factoring services to business customers of the bank, enabling early receipt of funds for invoices issued to regular customers.
• Bank Gospodarstwa Krajowego (BGK)coreStrategic or Co-development PartnerBGK provides the Fundusz Gwarancji Rolnych (FGR) guarantee program accessible through the bank for agricultural sector customers. The FGR guarantees up to 80% of credit principal for micro, small, and medium agricultural enterprises, with interest subsidies of up to 7% for eligible borrowers. The bank acts as an intermediary in distributing these government-supported credit products.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• mBank S.A. Leading Polish digital-first universal bank with strong retail and SME franchise. Represents the technology-driven competitive pressure on the bank's digital offering and deposit/pricing proposition.
• Bank Polskiej Spółdzielczości S.A. Central institution of the BPS cooperative banking group, the second major cooperative banking association in Poland. Operates in the same cooperative bank segment and competes for the same small Polish cooperative banks and regional agricultural/retail customers.
• SGB-Bank S.A. Central institution of the Spółdzielcza Grupa Bankowa, providing IT infrastructure, treasury, liquidity, and institutional protection (IPS-SGB) to all member cooperative banks including Bank Spółdzielczy w Goleniowie. Functions as the bank's head office in all but name.
• ING Bank Śląski S.A. Top-tier Polish retail and SME digital bank. Sets the standard for mobile banking, instant transfers, and self-service account opening that the bank must compete against via its SGB Mobile app and BLIK integration.
• PKO Bank Polski S.A. Poland's largest state-controlled universal bank and the dominant retail and SME lender nationally. Sets the competitive benchmark for digital banking, deposits, and consumer credit that the bank must match through SGB Group infrastructure.
• Credit Agricole Bank Polska S.A. Polish commercial bank with a strong agricultural lending franchise and rural branch network, competing directly with the bank for agricultural credits, EU-linked financing, and farming households in Polish regions including West Pomerania.
• BNP Paribas Bank Polska S.A. Large Polish universal bank with retail, SME, and agribusiness lines. Competes for the same business banking, deposit, and agricultural credit customers the bank serves, particularly via its BGK and ARiMR preferential loan distribution.
• Bank Pekao S.A. Major Polish universal bank with extensive retail and business banking footprint, including agricultural lending. Competes for the same customer base across deposits, current accounts, and credit products across Polish regions.
• Santander Bank Polska S.A. Large Polish universal bank serving retail, SME, and agribusiness segments with full digital channels. Competes for customer relationships and deposits in West Pomeranian towns where the bank operates its branches.

Emerging players

• Bank Ochrony Środowiska S.A. Polish mid-sized commercial bank historically focused on environmental and EU-subsidy-related financing, with comparable expertise in distributing EU-linked credit products to SMEs and farmers, overlapping with the bank's ARiMR and EU-preferential lending activity.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bank-sp%C3%B3%C5%82dzielczy-w-goleniowie

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

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 Goleniowie