Bank Spółdzielczy w Miliczu

What Bank Spółdzielczy w Miliczu does

Bank Spółdzielczy w Miliczu is a cooperative bank (bank spółdzielczy) established in 1950 and headquartered in Milicz, Poland, operating as an affiliated member of the Bank Polskiej Spółdzielczości (BPS) group and protected by both the BPS Association Protection System and the statutory Bankowy Fundusz Gwarancyjny (BFG) deposit guarantee up to EUR 100,000. The bank serves six distinct customer segments — individual retail customers, entrepreneurs (SMEs and self-employed), farmers, housing communities, local government units, and associations/foundations — across an eight-location footprint in the Dolnośląskie region (Milicz, Krośnice, Cieszków, Wrocław, Sułowo, Gądkowice, Bukowice).

The product portfolio spans personal and business accounts, savings accounts (including POL-IKE individual pension accounts and Pol-Efekt employee capital plans), VISA and Mastercard payment cards including a newly launched virtual VISA card, and a diversified consumer loan book (mortgages, consolidation, ecological, medical, senior, revolving). Digital banking is delivered via eBankNet for retail customers, eCorpoNet for corporate clients, and the BS Milicz Mobilnie mobile application, with integrations to BLIK mobile payments, mojeID/Profil Zaufany electronic identification, Kartosfera card management, and a PSD2-compliant open banking API exposing AIS, PIS, and CAF services. A planned mobileNet Junior 7-12 application will extend digital banking to children aged 7-12.

The revenue model is built on three traditional banking streams — net interest income from deposits and loans (including agricultural and mortgage lending), transaction and account fees, and commissions from insurance intermediation, leasing, factoring, and KFG/AGRO guarantees. Distribution is omnichannel: eight physical branches supported by 24/7 ATM availability, a 24/7 customer hotline, and self-serve digital channels. Marketing is conducted via the corporate website, Facebook, and YouTube, targeting local community banking relationships rather than mass-market acquisition.

Name

Bank Spółdzielczy w Miliczu

Legal name

Bank Spółdzielczy w Miliczu

Website

https://bsmilicz.com.pl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank Spółdzielczy w Miliczu is a Polish cooperative bank founded in 1950, affiliated with the BPS banking group, serving retail, SME, agricultural, housing-community, and local-government customers across eight branches in the Dolnośląskie region via traditional and digital banking products.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industry

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

Keywords

• Retail banking services
• Cooperative banking
• Agricultural lending
• Savings accounts
• Consumer loans

Headquarters

HQ city

Milicz

HQ country

Poland

HQ region

Europe

Offices9 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. Interest Income: Traditional banking revenue from interest rate spreads between deposits and loans, including mortgage loans, consumer loans, agricultural loans, and credit cards
2. Transaction and Account Fees: Fees from account maintenance, transfers, card operations, and other banking transactions
3. Commission Income: Commissions from insurance products, leasing, factoring, and guarantee services

Distribution channels6 records

Marketing channels5 records

Core offering

Bank Spółdzielczy w Miliczu is a cooperative bank offering comprehensive retail and commercial banking services including checking and savings accounts, consumer and mortgage loans, business and agricultural loans, leasing, factoring, payment cards, digital banking via internet and mobile apps (eBankNet, eCorpoNet, BS Milicz Mobilnie), insurance intermediation, and bank guarantees (KFG, AGRO). The bank serves individuals, entrepreneurs, farmers, housing communities, local government units, and associations/foundations in the Dolnośląskie region of Poland as part of the BPS cooperative banking group.

Product overview

Bank Spółdzielczy w Miliczu operates as a cooperative bank within the BPS banking group, offering a comprehensive suite of banking products and services to retail customers (individuals), business clients (entrepreneurs), farmers, housing communities, local government units, and associations/foundations. The core product portfolio includes personal and business checking accounts (Rachunki), savings accounts and term deposits (Rachunki oszczędnościowe, Lokaty, Lokata Bezpieczny Zysk, POL-IKE, Pol-Efekt), payment cards (VISA debit/credit/virtual, Mastercard Credit, prepaid cards), and diverse loan products (cash loans, mortgages, consolidation, ecological, medical, senior, and revolving credits). Digital banking services are delivered through eBankNet (retail), eCorpoNet (corporate), and BS Milicz Mobilnie mobile app, with BLIK mobile payments and mojeID/Profil Zaufany for electronic identification. Business-focused offerings include leasing, factoring, and KFG/AGRO guarantees. The bank also provides Split Payment VAT account services, currency exchange, insurance products, and recently launched mobileNet Junior 7-12 for children's banking.

Differentiator

Problem solved

Functional benefit

Brands

• BS Milicz Mobilnie: Mobile banking application for BS Milicz customers
• mobileNet Junior 7-12

Products and services

• Personal and Business Accounts (Rachunki) Current/checking accounts (ROR) for daily banking transactions and salary deposits, available for individual and business customers across all segments served by the bank.
• Savings Accounts and Term Deposits (Rachunki oszczędnościowe / Lokaty) Savings deposit accounts including term deposits (lokaty), Lokata Bezpieczny Zysk (safe profit deposit openable online), and pension savings products (POL-IKE, Pol-Efekt).
• Payment Cards (Karty) Payment cards including VISA debit, VISA Credit (including Gold), Mastercard Credit, prepaid cards, and the new virtual VISA card for online payments.
• Consumer Loans (Kredyty gotówkowe) Personal cash loans including Kredyt PERFEKCYJNY, Kredyt MEDYCZNY (medical expenses), Kredyt EKOlogiczny (eco-friendly projects), Kredyt Bezpieczna gotówka (safe cash loan), Kredyt Senior (senior citizens), Kredyt Osobisty (general purpose), and Kredyt Odnawialny (revolving credit).
• Mortgage Loans (Kredyty hipoteczne) Housing loans including Kredyt Hipoteka (mortgage loan secured by real estate), Kredyt Mieszkaniowy (residential property purchase), and Kredyt Konsolidacja (debt consolidation combining multiple debts into a single payment).
• Leasing Services Leasing services for business clients to finance equipment and vehicles, targeted at the entrepreneur/business customer segment.
• Factoring Services (Faktoring) Factoring services for business clients to improve cash flow by selling receivables, targeted at the entrepreneur/business customer segment.
• Bank Guarantees KFG (Gwarancje KFG) Guarantee programs for business clients to support business financing and transactional security, offered through the KFG guarantee scheme.
• Agricultural Guarantees AGRO (Gwarancje AGRO) Specialized guarantee programs for the agricultural sector to support farm financing, targeted at farmers and agricultural enterprises.
• Insurance Products (Ubezpieczenia) Insurance intermediation services covering accounts, cards, life insurance, property and accident insurance products distributed through partner insurance providers.
• Currency Exchange (Kantor walutowy) Online currency exchange service integrated with internet banking for competitive exchange rates, available to individual and business customers.
• Split Payment (VAT Account) VAT account system with mandatory VAT splitting for business transactions per Polish tax regulations, targeted at business customers.
• eBankNet Internet Banking Internet banking platform for retail (individual) customers providing account management, transfers, and bill payments.
• eCorpoNet Corporate Internet Banking Corporate internet banking platform for business clients with advanced treasury and cash management features.
• BS Milicz Mobilnie Mobile Banking App Mobile banking application for smartphones and tablets enabling account access, transfers, BLIK payments, and phone-to-phone transfers.
• mobileNet Junior 7-12 Mobile banking application designed for children aged 7-12, the first banking app for children offered by the bank, supporting age-appropriate financial functionality.
• POL-IKE Individual Pension Account Individual pension savings account (IKE) with tax advantages for retirement savings, targeted at individual customers.
• Pol-Efekt Employee Capital Plans (PPK) Employee capital plans (PPK) management account for workplace retirement savings, available through employers.
• Foreign Currency and International Transfers (Przelewy walutowe i zagraniczne) Foreign currency transfers and international wire payments using the SWIFT network (SWIFT/BIC: POLUPLPR) with IBAN format support.
• MOJE e-DOKUMENTY Electronic Document Service Electronic document service providing secure digital access to bank statements and communications for individual customers.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Bank BPS S.A. (Bank Polskiej Spółdzielczości)coreStrategic or Co-development PartnerBS Milicz is affiliated (zrzeszony) with Bank BPS S.A., Poland's cooperative banking group. This partnership provides access to shared banking infrastructure, inter-bank settlement systems, product development support, and the BPS brand association. The relationship includes participation in the System Ochrony Zrzeszenia BPS (BPS Association Protection System).
• System Ochrony Zrzeszenia BPScoreStrategic or Co-development PartnerDeposit protection system ensuring customer deposits are secured under the BPS cooperative banking group protection scheme, in addition to the mandatory Bankowy Fundusz Gwarancyjny (BFG) guarantee covering up to 100,000 EUR.
• Bankowy Fundusz Gwarancyjny (BFG)coreStrategic or Co-development PartnerMandatory deposit guarantee scheme under Polish law (Ustawa o Bankowym Funduszu Gwarancyjnym) covering deposits up to 100,000 EUR equivalent per depositor.
• VISAcoreTechnology or IntegrationInternational payment card network providing VISA credit cards, VISA virtual cards, and cash back services. BS Milicz offers VISA Credit Gold, VISA Credit, and virtual VISA cards.
• MastercardcoreTechnology or IntegrationInternational payment card network providing MasterCard credit cards with promotional programs including Bezcenne Chwile loyalty program offering up to 500 PLN in e-vouchers.
• BLIKcoreTechnology or IntegrationPolish mobile payment system enabling phone-to-phone transfers, cash withdrawals at ATMs, and payments at merchant terminals without sharing bank account numbers. Integrated into BS Milicz Mobilnie application.
• Accepted Insurance Providers (Lista ubezpieczycieli)minorChannel Partner/ Reseller/ DistributorList of approved insurance companies for bancassurance products sold through BS Milicz branches. Includes Generali and other insurance providers for property, life, and accident insurance products.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Credit Agricole Bank Polska: Mid-tier Polish universal bank with significant agricultural lending franchise. Comparable in agricultural and SME banking focus, and competes for the same farmer and rural business customers as BS Milicz.
• SGB-Bank S.A. Central institution of the parallel Polish cooperative banking group (Spółdzielcza Grupa Bankowa). Comparable as a larger cooperative umbrella offering similar full-service community banking to affiliated member banks.
• ING Bank Śląski: Major Polish commercial bank known for digital innovation. Comparable in retail and SME banking products but with materially larger technology investment capacity, creating direct competitive pressure in BS Milicz's geographies.
• PKO Bank Polski: Poland's largest commercial bank, offering full retail, mortgage, and SME banking nationally. Comparable in product breadth but operates at vastly greater scale and competes for the same deposit and loan customers as BS Milicz.
• Bank Pekao S.A. One of Poland's largest universal banks with nationwide branch and digital banking presence. Overlaps with BS Milicz across retail, mortgage, and SME lending, and represents the kind of scale competitor BS Milicz must defend against.
• Bank Polskiej Spółdzielczości (BPS) S.A. Parent/sponsor cooperative bank and central infrastructure provider for the BPS Group. Overlaps with BS Milicz in product catalog, technology platform (eBankNet/eCorpoNet), and customer base via affiliate network.

Emerging players

• Revolut Bank UAB (Polish operations): Digital challenger bank with growing presence in Poland. Comparable at the customer-experience frontier (instant payments, multi-currency) and represents the emerging fintech threat that erodes deposit share for small community banks.
• mBank: Leading Polish digital-first bank with strong mobile and online channels. Comparable in PSD2-era digital offering; represents the emerging digital-native competitive threat against traditional community banks like BS Milicz.

Direct peers

• Krakowski Bank Spółdzielczy: Another large Polish cooperative bank (bank spółdzielczy) operating within a different cooperative group. Directly comparable in business model (member-owned, community-focused, retail + SME + agricultural banking) and product breadth.
• Bank Spółdzielczy w Białymstoku: Large Polish cooperative bank serving a regional Polish community. Comparable in cooperative ownership structure, retail/agricultural/SME lending focus, and membership in a cooperative banking group.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCKWBiDgoUQMMKdaL_94FMOQ
• Facebookfacebook.com/Bank-Sp%C3%B3%C5%82dzielczy-w-Miliczu-136413307022924
• LinkedInlinkedin.com/company/bank-sp%C3%B3%C5%82dzielczy-w-miliczu

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 Miliczu