Bank Spółdzielczy w Gryficach

What Bank Spółdzielczy w Gryficach does

Bank Spółdzielczy w Gryficach is a Polish cooperative bank (bank spółdzielczy) founded in 1876 and headquartered in Gryfice, in the Zachodniopomorskie (West Pomeranian) Voivodeship, with approximately 150 years of continuous regional operation. As a member of the Spółdzielcza Grupa Bankowa (SGB) — a cooperative network of 175 banks serving more than 1.5 million customers across Poland — the bank operates on a shared centralized technology platform (SGB24 internet banking and SGB Mobile) and participates in shared product infrastructure including SGB FAKTORING, SGB Leasing, Kantor SGB currency exchange, SGB ID electronic identity, and BLIK mobile payments. The bank's customer base is concentrated in three primary verticals: agricultural producers (with ARiMR-subsidized credit programs, crop insurance premium subsidies up to 65%, and EU-funded JEREMIE 2 lending), individual retail customers (personal accounts, mortgages, cash loans, multi-currency debit cards), and small and medium enterprises (current accounts, investment and revolving credit, factoring via SMEO, POS terminals through Polcard, and BGK/Fundusz Pomerania guarantees). The bank also serves real estate developers through mieszkaniowy rachunek powierniczy (housing escrow accounts).

Name

Bank Spółdzielczy w Gryficach

Legal name

Bank Spółdzielczy w Gryficach

Website

https://bsgryfice.pl

Company type

Private

Founded year

1876

Operating status

Operating

Headcount range

1–10 employees

Short description

Bank Spółdzielczy w Gryficach is a 150-year-old Polish cooperative bank headquartered in Gryfice, member of the SGB network (175 banks), serving agricultural, retail, and SME customers in West Pomerania with deposits, loans, insurance distribution, and digital banking via SGB24 and SGB Mobile.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Functions Related To Depository Banking, Nec (6099), Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Cooperative banking
• Retail banking services
• Agricultural lending
• Small business banking
• Insurance distribution

Headquarters

HQ city

Gryfice

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 from Lending: The bank earns interest income from various loan products including mortgages (START DOM), cash loans (NOWA GENERACJA 2026), agricultural loans (AgroStart, k01 disaster loans, preferential ARiMR-supported loans), business loans (investment, revolving, overdraft), and EU-funded credit programs (Kredyt unijny SGB). Interest is charged at both fixed promotional rates (7.99% for revolving credit promotions) and variable rates (WIBOR 3M + margin). The bank also participates in government subsidy programs (e.g., 2% interest loans for farmers under the Russian aggression support program, ARiMR subsidies).
2. Deposit and Account Fees: The bank charges account maintenance fees (e.g., 'Wiele za niewiele' package from PLN 10/month for business accounts) and earns interest spread by lending deposits at higher rates than offered on deposit accounts. Term deposit accounts (Lokata Standardowa) are offered from PLN 100 with variable rates.
3. Insurance Distribution Commission: The bank acts as a distribution channel for insurance products from Generali (life and property), SALTUS, and InterRisk, earning commission on every policy sold. Products include crop insurance (65% government subsidy portion), agricultural equipment, home, auto, travel, NNW, and business insurance.
4. Payment Services and Transaction Fees: Revenue from payment services including Western Union money transfers, POS terminal transactions, BLIK mobile payments, debit/credit card transaction fees, currency exchange (Kantor SGB) with spread, and SMS notification fees.
5. Factoring and Leasing Referral: Revenue from referral fees and commissions on factoring services (SGB Faktoring S.A., SMEO) and leasing products (SGB Leasing, AGRO Auto Leasing) distributed through the bank's branch network.
6. SGB Network Membership and Support: As a member of SGB Bank Group (175 cooperative banks), the bank participates in shared product infrastructure, liquidity management, and cross-selling programs. The SGB group structure enables access to shared technology, central treasury operations, and deposit guarantee schemes.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Bank Spółdzielczy w Gryficach is a cooperative bank providing retail, small business, and agricultural banking products and services in the West Pomeranian Voivodeship of Poland. Its core offerings include personal and business current accounts, term deposits, mortgage and cash loans, multi-currency debit cards, currency exchange, investment and working capital credit, EU- and ARiMR-subsidized agricultural loans, POS terminals, factoring and leasing referrals, and distribution of insurance products from Generali, SALTUS, and InterRisk. Customers access services through regional branch offices, the SGB24 internet banking portal, the SGB Mobile application, and a 24/7 call center.

Product overview

Bank Spółdzielczy w Gryficach is a cooperative bank operating within the SGB (Spółdzielcza Grupa Bankowa) network, offering a comprehensive suite of retail, business, and agricultural banking products. The core platform consists of SGB24 internet banking and SGB Mobile application, which serve as the primary digital channels for all banking services. The product portfolio includes personal accounts (Takie Konto SPOKO), term deposits, cash and mortgage loans, multi-currency debit cards, and currency exchange (Kantor SGB). Business banking encompasses current accounts with specialized packages (Wiele za niewiele), investment and working capital loans, revolving credit, POS terminals, and factoring services via SGB FAKTORING and SMEO. Agricultural services include specialized accounts, AgroStart loans, subsidized liquidity credits (Kredyt Płynnościowy 2%), and EU-funded JEREMIE 2 loans. The bank also distributes insurance products through partnerships with Generali (home, life, travel, auto, agricultural), SALTUS (life, home), InterRisk (business, property, auto, crops), and Compensa (accident insurance for shareholders). Digital identity services include SGB ID/Profil Zaufany for e-government access and KIR S.A. electronic signatures. The bank also participates in Western Union money transfers and offers escrow account services for real estate transactions.

Differentiator

Problem solved

Functional benefit

Brands

• SGB24: Internet banking platform offered by the bank for account access, transfers, and financial services.
• SGB Mobile
• Kantor SGB
• Ubezpieczenie NNW Udziałowców Banku

Products and services

• SGB24 Internet Banking 24/7 internet banking platform for individuals, businesses, and agricultural customers to access accounts, execute transfers, perform currency exchange, purchase insurance, manage cards, and retrieve bank documents.
• SGB Mobile Mobile banking application enabling account access, transfers, BLIK mobile payments, HCE contactless card payments, digital wallets (Apple Pay, Google Pay, Garmin Pay, Fitbit Pay), currency exchange (Kantor SGB), insurance purchase, subscription management, and limit controls for individuals, businesses, and agricultural customers.
• Takie Konto SPOKO Personal current account with contactless debit card, designed for everyday banking needs of individual retail customers.
• Kredyt gotówkowy NOWA GENERACJA 2026 Promotional cash loan with bundled insurance coverage for individual retail customers, offered as the bank's flagship personal credit product for 2026.
• Kredyt mieszkaniowy START DOM Housing mortgage loan for individual retail customers purchasing residential property.
• Lokaty terminowe Term deposit accounts with variable interest rates, minimum PLN 100, flexible terms from 1 day to 36 months, renewable with interest preservation.
• Karty debetowe (Visa and MasterCard) Contactless debit cards on Visa and MasterCard networks with multi-currency support for EUR and USD, available to retail and business customers.
• Kantor SGB (Currency Exchange) Real-time currency exchange service for EUR and USD available through SGB24 internet banking and SGB Mobile, with transactional limits of PLN 50,000 single / PLN 200,000 daily, USD 2,500 / 25,000, and EUR 2,000 / 20,000. Serves retail, business, and agricultural customers.
• Rachunek bieżący dla firm Business current account for legal entities, sole proprietors, and organizations with full settlement capabilities, available in PLN and foreign currencies.
• Kredyt inwestycyjny Investment loan for financing acquisitions, machinery, equipment, real estate, and construction up to 100% of investment value, with terms up to 15-20 years, available to SMEs and farmers.
• Kredyt obrotowy Working capital loan for financing current business needs of SMEs, with terms up to 60 months and a promotional 7.99% fixed-rate variant for up to PLN 500,000 over 12 months.
• Kredyt rewolwingowy Revolving credit line for financing ongoing business operational needs with automatic renewal upon repayment, available to SME customers.
• Terminale POS (via Polcard and Fundacja Polska Bezgotówkowa) Payment card terminals distributed through Polcard under the Polska Bezgotówkowa Foundation program, enabling business clients to accept card payments with subsidized pricing available for qualifying merchants.
• Kredyty dla rolnictwa (Agricultural Credit) Comprehensive agricultural banking credit line covering current accounts, working capital loans (AgroStart), preferential ARiMR-subsidized investment and disaster recovery loans, EU-funded programs, and the 2% subsidized Kredyt Płynnościowy for farmers affected by the Russian aggression against Ukraine (with limits up to PLN 400,000).
• Kredyt Płynnościowy 2% Subsidized agricultural liquidity loan at 2% borrower interest rate (with ARiMR covering the remainder), for farmers affected by Russian aggression against Ukraine; maximum PLN 100,000 for farms up to 50 ha, PLN 200,000 for 50-100 ha, and PLN 400,000 for farms above 100 ha.
• Pożyczka płynnościowa JEREMIE 2

Quantifiable outcome

• Government crop insurance subsidies cover up to 65% of insurance premium costs, significantly reducing farmer input costs
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration22 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and major.

• SGB (Spółdzielcza Grupa Bankowa)coreStrategic or Co-development PartnerThe bank is a member of the SGB (Spółdzielcza Grupa Bankowa) cooperative banking group, which consists of 175 cooperative banks across Poland serving over 1.5 million customers. SGB provides shared IT infrastructure, banking platforms (SGB24, SGB Mobile), product development, treasury operations, liquidity management, and the SGB24 brand. The bank participates in shared product programs including SGB Leasing, SGB FAKTORING, SGB24 internet banking, and SGB Mobile. The SGB group structure enables access to EU rural development programs and government subsidy schemes.
• SGB FAKTORING S.A.coreChannel Partner/ Reseller/ DistributorSGB FAKTORING S.A. is a factoring company belonging to the SGB Group. It directs its offer to small, medium, and large production, trade, service, and agri-food enterprises that conduct sales with deferred payment terms. The bank distributes SGB FAKTORING products through its branch network, earning referral fees and providing customers with invoice financing and management services.
• SMEOmajorChannel Partner/ Reseller/ DistributorSMEO is an online factoring provider offering invoice financing up to PLN 5,000,000 with 100% digital onboarding and funds transfer within 24 hours (or 5 minutes with premium verification). The bank refers its business customers to SMEO for factoring services, earning referral revenue and providing customers with quick access to working capital by converting unpaid invoices into cash.
• KIR S.A. (Krajowa Izba Rozliczeniowa)majorTechnology or IntegrationKIR S.A. (Krajowa Izba Rozliczeniowa) is the National Clearing House providing qualified and non-qualified digital certificates and electronic signature services. The bank collaborates with KIR for issuing electronic signature certificates (Szafir brand) for private individuals and businesses. KIR also powers the SGB ID electronic identity service (mojeID) that allows customers to authenticate with government e-services (obywatel.gov.pl, epuap.gov.pl, ceidg.gov.pl).
• Western UnionmajorTechnology or IntegrationThe bank offers Western Union international money transfer services at all its branches. Customers can send and receive international remittances in PLN, USD, and EUR across Western Union's network of ~515,000 agency locations in over 200 countries and territories. The bank earns fees on each transfer.
• Generali (TU S.A., Życie S.A.)coreChannel Partner/ Reseller/ DistributorGenerali Towarzystwo Ubezpieczeń S.A. and Generali Życie Towarzystwo Ubezpieczeń S.A. provide a comprehensive range of life and property insurance products distributed through the bank's branches. Products include: Mój Dom (home), Życie Komfort (life), Z myślą o życiu Plus (life), Turysta (travel), NNW (personal accident), Auto (motor), and agricultural products (Agro Expert, Agro Firma, uprawy — crop, gospodarstwo rolne — farm, produkcja zwierzęca — livestock, OZE). The bank earns commission on all policies sold.
• SALTUS Ubezpieczenia (TUW, S.A.)majorChannel Partner/ Reseller/ DistributorSALTUS Towarzystwo Ubezpieczeń Wzajemnych and SALTUS Życie S.A. are mutual insurance companies offering life and health insurance products through the bank. Products include SALTUS Twoje Życie (life insurance) and SALTUS Mój Dom (home insurance), providing coverage for financial obligations (mortgage, personal loans) and property protection.
• InterRisk Towarzystwo Ubezpieczeń S.A. Vienna Insurance GroupmajorChannel Partner/ Reseller/ DistributorInterRisk offers comprehensive insurance products through the bank including: Dom (home), Auto (vehicle with OC, AC, Assistance), Ubezpieczenie szkolne EDU Plus (student/school accident), Ubezpieczenie upraw (crop insurance with government subsidy), Ubezpieczenie gospodarstwa rolnego (farm insurance), and business insurance (Biznes Pro, Biznes Pro Plus, Biznes Pro Zdrowie, OC, Flot). Crop insurance qualifies for government subsidy of up to 65% of premium.
• SALTUS UbezpieczeniamajorChannel Partner/ Reseller/ DistributorSALTUS Ubezpieczenia offers the 'Twoje Życie' individual life insurance and 'Mój Dom' home insurance through the bank's branch network.
• SGB LeasingmajorChannel Partner/ Reseller/ DistributorSGB Leasing provides equipment and vehicle leasing products through the bank's business and agricultural customer base. The bank offers AGRO Auto Leasing specifically for farmers. The bank earns referral commissions on all leasing transactions.
• Polcard / Fundacja Polska BezgotówkowamajorChannel Partner/ Reseller/ DistributorPolcard, operating under the Polska Bezgotówkowa (Cashless Poland) Foundation program, provides POS terminal distribution and merchant acquiring services. The bank refers its business customers for POS terminal installation, with subsidized pricing available for qualifying merchants.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bank Pocztowy S.A. Polish state-linked retail and SME bank with a focus on smaller towns and rural areas, structurally similar in customer base to cooperative banks. Competes in retail deposits, basic SME banking, and serves customers in less urbanized regions.
• mBank (mBank Hipoteczny): Major Polish universal bank with a strong digital-first proposition (including a mobile-only subsidiary), competing with the bank's SGB Mobile and SGB24 offerings. Operates in retail, SME, and corporate banking across Poland.
• ING Bank Śląski: Major Polish universal bank with strong digital channels (Moje ING mobile app) and SME focus. Competes in retail deposits, business accounts, and digital banking experience expectations.
• PKO Bank Polski: Poland's largest state-controlled universal bank, offering retail, SME, agricultural (Bankowy Oddział PKO BP dedicated to agriculture), and corporate banking nationwide. Direct competitor in deposit-taking and agricultural lending across the Gryfice region, with vastly greater scale.
• Credit Agricole Bank Polska: Universal bank serving retail and SME customers with an explicit focus on agricultural lending (Bank Credit Agricole has historically been active in Polish agribusiness). Directly competes for the same farmer and SME customer base.
• BNP Paribas Bank Polska: Universal bank offering retail, SME, and agricultural banking across Poland. Competes with the bank for SME deposits and working capital financing in West Pomerania.
• Bank Pekao S.A. One of Poland's largest universal banks with significant retail, SME, and agricultural lending operations, including dedicated agri-food industry financing. Competes with the bank in deposits, agricultural loans, and SME banking across West Pomerania.

Direct peers

• Bank Polskiej Spółdzielczości (BPS) Group member banks: The BPS Group is the second major cooperative banking network in Poland, structurally similar to SGB. BPS member banks are direct competitors operating under the same Polish cooperative banking model (bank spółdzielczy), offering retail, business, and agricultural lending with shared IT platforms.

Emerging players

• Alior Bank: Polish digital-first challenger bank (with traditional branch presence) competing across retail and SME banking, including agricultural lending. Represents the digital challenger category that threatens traditional cooperative banks on customer experience.

Others

• SGB-Bank S.A. (central entity of SGB Group): The central operating entity of the Spółdzielcza Grupa Bankowa network that provides shared technology, treasury, and product infrastructure to member banks including Bank Spółdzielczy w Gryficach. Not a competitor but the structural parent/infrastructure provider.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bsgryfice
• Facebookfacebook.com/bsgryfice
• LinkedInlinkedin.com/company/bank-sp%C3%B3%C5%82dzielczy-w-gryficach

Compliance4 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 Bank Spółdzielczy w Gryficach