Bank Spółdzielczy w Oleśnicy

What Bank Spółdzielczy w Oleśnicy does

Bank Spółdzielczy w Oleśnicy is a Polish cooperative bank (bank spółdzielczy) registered in Oleśnica, Lower Silesian Voivodeship (KRS 0000124429, NIP 911-000-48-54), operating as a member-owned institution affiliated with the Bank Polskiej Spółdzielczości (BPS) cooperative group and participating in the System Ochrony Zrzeszenia BPS deposit protection scheme. It operates a network of 11+ branches spanning Oleśnica County and adjacent municipalities (Bierutów, Długołęka, Dobroszyce, Dziadowa Kłoda, Kostomłoty, Międzybórz, Mikstat, Siechnice, Twardogóra, and a filia in Mietków), supplemented by digital channels including the EBP e-Bank online portal and the BSGo mobile application (launched in October 2025 to replace the legacy BS Pay app).

The bank serves six customer segments — individual customers (including students, seniors, and children via dedicated POL-Konto variants), SMEs, farmers (with specialised POL-Konto Agro accounts), housing communities (wspólnoty), local governments, and associations/foundations — through a full product suite of checking and savings accounts (POL-Konto, Lokata Standard, Superlokata, Lokata Progresja Efekt, Lokata Negocjowana), mortgage and consumer loans, agricultural loans, leasing, debit and credit cards (Visa, Mastercard) and the new Visa Wirtualna virtual card, BLIK mobile payments, digital wallet tokenization (Google Pay, Apple Pay, Garmin Pay, Swatch Pay), insurance distribution (via Vienna Life, Generali, InterRisk), and ancillary services including a VoiceBot, mojeID electronic identification, and e-Doręczenia government electronic delivery.

Revenue is generated primarily through net interest income on loans (mortgages, cash loans, revolving credit, agricultural loans), deposit-driven balance sheet operations, transaction and account fees (ELIXIR, Express ELIXIR, SORBNET, BLIK), card service fees (including the new 3.50 PLN/month Visa Wirtualna fee, waivable at 300 PLN monthly spend), insurance commission income, and leasing transaction fees. Governance operates under a cooperative structure with a General Meeting of Representatives, Supervisory Board (Rada Nadzorcza), and Management Board (Zarząd). With a disclosed headcount of approximately 21 employees and no external funding or M&A activity, the institution is a small, locally anchored cooperative bank; revenue, profitability, and balance sheet figures were not disclosed in the available sources.

Name

Bank Spółdzielczy w Oleśnicy

Legal name

Bank Spółdzielczy w Oleśnicy

Website

https://bsolesnica.pl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank Spółdzielczy w Oleśnicy is a Polish cooperative bank serving individuals, SMEs, farmers, housing communities, local governments, and associations in Oleśnica County through 11+ branches, digital channels (EBP e-Bank, BSGo app), and BPS group infrastructure, offering full deposit, lending, card, payment, insurance, and leasing services.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (522130), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Retail banking
• Cooperative banking
• Agricultural financing
• Consumer lending
• Term deposits

Headquarters

HQ city

Oleśnica

HQ country

Poland

HQ region

Europe

Offices12 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 from Loans and Credits: The bank earns interest income on mortgage loans, cash loans, revolving credits, and agricultural credits extended to individuals, businesses, and farmers. Interest rates are variable, indexed to WIBOR/WIBID plus bank margin.
2. Deposit and Savings Products: Term deposits (Lokata Standard, Superlokata, Lokata Progresja Efekt, Lokata Negocjowana) and savings accounts generate deposit-taking revenue used for lending operations.
3. Transaction and Account Fees: Monthly account maintenance fees, interbank transfer fees, cash withdrawal fees, and fee income from payment processing services including ELIXIR, Express ELIXIR, SORBNET, and BLIK transactions.
4. Card Services: Annual and monthly card maintenance fees for debit and credit cards (Visa, Mastercard), including the new Visa Wirtualna introduced in November 2025. Also includes merchant acquiring revenues.
5. Insurance Distribution: The bank offers insurance products (property, life, travel, auto) through partnerships with Vienna Life, Generali, InterRisk, and others, earning commission income.
6. Leasing Services: Leasing products for businesses and farmers covering equipment, vehicles, and agricultural machinery.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Bank Spółdzielczy w Oleśnicy is a member-owned cooperative bank offering retail and commercial banking products including checking accounts (POL-Konto family with Senior, Agro, Student, Kids, and Junior variants), consumer and mortgage loans, revolving credits, term deposits, debit/credit cards, BLIK mobile payments, leasing, and insurance distribution. The bank operates an 11+ branch physical network across Oleśnica County supplemented by the EBP e-Bank web platform, BSGo mobile application, KARTOSFERA card portal, VoiceBot 24/7 service, and digital wallet integrations (Google Pay, Apple Pay, Garmin Pay, Swatch Pay).

Product overview

Bank Spółdzielczy w Oleśnicy is a Polish cooperative bank offering a comprehensive suite of banking products through multiple delivery channels. The core offering centers on POL-Konto personal accounts (including Senior, Agro, Student variants) and specialized accounts for children (Kids) and youth (Junior via BSGo app). Digital banking is provided through the BSGo mobile application and EBP e-Bank web platform. Credit products span mortgage loans (construction, universal, investment), personal cash loans (Kredyt dla Ciebie, Szybka Gotówka), EKO Kredyt for eco-projects, and revolving credit. Savings products include term deposits (Lokata Standard, Superlokata, Lokata negocjowana, Lokata Progresja Efekt). Payment services include BLIK mobile payments, Visa/Mastercard debit and credit cards, Visa Wirtualna virtual card, and integration with digital wallets (Google Pay, Apple Pay, Garmin Pay, Swatch Pay). Additional services encompass insurance products (via Generali, Vienna Life, InterRisk), leasing for business and agricultural customers, VoiceBot automated customer service, e-Doręczenia electronic delivery, and mojeID electronic identification.

Differentiator

Problem solved

Functional benefit

Brands

• BSGo: Mobile banking application for customers, including versions for juniors (BSGo Junior) and kids (BSGo Kids).
• BS Pay
• KartoSFERA
• POL-Konto

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability2 records

Feature9 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Bank BPS S.A. (Bank Polskiej Spółdzielczości)coreStrategic or Co-development PartnerBank Spółdzielczy w Oleśnicy is a member of the BPS cooperative banking group. Bank BPS S.A. serves as the central institution of the cooperative group, providing shared banking infrastructure, interbank payment systems (ELIXIR, SORBNET), and operational support. The bank's BIC/SWIFT code POLUPLPR indicates its BPS group membership. The bank participates in the BPS group for correspondent banking, deposit protection (SOZ BPS), and shared technology services.
• System Ochrony Zrzeszenia BPS (SOZ BPS)coreStrategic or Co-development PartnerThe bank's deposits are protected by the System Ochrony Zrzeszenia BPS, a cooperative banking group deposit protection scheme, in addition to the mandatory BFG (Bankowy Fundusz Gwarancyjny) guarantee of up to 100,000 EUR per depositor.
• ITCARD S.A.coreTechnology or IntegrationITCARD S.A. provides the card processing infrastructure for the bank's debit and credit cards. The bank offers Mastercard and Visa cards processed through ITCARD. The KARTOSFERA card portal is operated by ITCARD. Card system maintenance occasionally causes service disruptions (documented in 2023 with multiple maintenance windows).
• KIR (Krajowa Izba Rozliczeniowa)coreTechnology or IntegrationKIR operates the ELIXIR, Express ELIXIR, and SORBNET interbank payment systems. The bank uses KIR's infrastructure for processing domestic transfers and real-time payments. KIR's September 2025 announcement triggered format changes to SORBNET3 and foreign transfers to ISO 20022 standard.
• Urząd Komisji Nadzoru Finansowego (UKNF) / CEDURminorGTM or Marketing PartnerThe bank collaborates with UKNF's CEDUR (Centrum Edukacji Uczestników Rynku) to promote financial education webinars for customers, particularly seniors, covering cybersecurity, investment fraud prevention, and safe online payments. Multiple webinars promoted by the bank in 2024–2025.
• GPW Benchmark S.A.coreTechnology or IntegrationGPW Benchmark S.A. is the administrator of WIBOR and WIBID reference rates as well as the new WIRON index. The bank applies these reference rates to its deposit and credit products according to its interest rate tables, with monthly (1M) or quarterly (3M) adjustment periods.
• Bankowy Fundusz Gwarancyjny (BFG)coreStrategic or Co-development PartnerDeposits at Bank Spółdzielczy w Oleśnicy are guaranteed by the Bankowy Fundusz Gwarancyjny up to 100,000 EUR per depositor, in accordance with the Act on the Bank Guarantee Fund, deposit guarantee system and compulsory restructuring of 10 June 2016.
• Vienna Life, Generali, InterRisk (Insurance Partners)minorGTM or Marketing PartnerThe bank distributes insurance products from Vienna Life (OCHRONA na PLUS, KAPITALna OCHRONA+), Generali (Życie Komfort Plus, travel, home, auto insurance), and InterRisk (Dom Max, Bezpieczny Dom, Auto+). These are offered as part of the bank's product range for individuals and farmers.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• mBank: Poland's leading digital-first bank. Increasingly competes for SME and retail customers via mobile platforms in regional markets, setting the digital-experience benchmark against which smaller cooperative banks' BSGo app must compete.

Broad incumbents

• PKO Bank Polski: Poland's largest universal bank and dominant retail/SME/mortgage lender. Competes with cooperative banks for the same household deposits and agricultural credit business at national scale, putting competitive pressure on local market pricing.
• ING Bank Śląski: Large Polish bank with a strong digital channel offering and growing SME footprint. Represents the digital-banking competitive pressure that cooperative banks must keep pace with as customers migrate to mobile-first banking.
• Credit Agricole Bank Polska: Polish universal bank with a notable agricultural lending franchise (formerly Lukas Bank). Direct competitor in the agricultural and rural SME segment that is a key vertical for Bank Spółdzielczy w Oleśnicy.
• SGB-Bank S.A. Central institution of the competing Polish cooperative banking group (Spółdzielcza Grupa Bankowa). SGB and BPS are the two main cooperative bank networks in Poland, and SGB-affiliated cooperative banks serve very similar retail, SME, and agricultural customers in regional markets.
• Bank BPS S.A. Central institution of the BPS cooperative banking group to which Bank Spółdzielczy w Oleśnicy belongs. Bank BPS provides shared infrastructure, correspondent banking, and group-level services, making it the closest institutional peer and effective parent in the cooperative system.
• Bank Pekao S.A. Major Polish universal bank with a strong retail and SME franchise. Competes for the same customers as cooperative banks across deposit products, mortgages, and small-business lending.

Direct peers

• Bank Spółdzielczy w Miliczu: A nearby Dolnośląskie cooperative bank also affiliated with the BPS group. Operates the same retail/SME/agricultural model for local communities, directly comparable in scale, product mix, and customer segments.
• Bank Spółdzielczy w Sycowie: A neighbouring BPS-group cooperative bank in the Lower Silesia region serving a similar mix of individual, SME, farmer, and local-government customers with the same BPS-shared technology stack.
• BS w Ostrowie Wielkopolskim: A larger BPS-affiliated cooperative bank in the Wielkopolska region with a similar retail/SME/agricultural focus. Useful as a peer benchmark for product breadth and operational scale within the BPS cooperative group.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCdummy
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Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Oleśnicy