Bank Spółdzielczy w Płońsku

What Bank Spółdzielczy w Płońsku does

Bank Spółdzielczy w Płońsku is a universal cooperative bank founded approximately in 1900, headquartered at ul. Płocka 28 in Płońsk, Poland, operating as part of the BPS Group (Bank Polskiej Spółdzielczości S.A.). The bank serves individuals, small and medium enterprises, farmers, and local government units across the Mazowieckie voivodeship, with physical branches in Płońsk, Ciechanów, Nowe Miasto, Baboszewo, and Dzierzążnia covering Płońsk, Ciechanów, and Mława counties. It is one of the largest cooperative banks in Poland and was recognized as a BPS Association Leader in 2025.

The bank's product portfolio spans retail accounts (Konto dla Aktywnych, Happy Konto, Konto SENIOR, Zawsze na PLUSIE), housing mortgages (Nasz Dom with promotional 0% commission through end-2026), personal loans (Kredyt na Piątkę), agricultural investment credit, term deposits (Lokata PLUS, Lokata PLUS Internetowa), debit and credit cards (Visa and MasterCard including multi-currency and contactless variants), and insurance products distributed in partnership with Generali. The technology stack is built on the eBankNet internet banking platform, the BSGo Junior mobile app for youth, the KartoSFERA card management portal, and standard Polish payment integrations (BLIK, Visa Mobile). Revenue is generated through net interest margin on loans and deposits, plus fee and commission income from account maintenance, card operations, transfers, and insurance distribution.

Under President Dariusz Konofalski's leadership since 2018, the bank has delivered three consecutive record-breaking profit years (2023, 2024, 2025), with a 2025 net surplus of 39,281,320.92 PLN (of which 99.20% was allocated to reserves). The cooperative ownership model, 44 elected Representatives for the 2026-2030 term, and active community engagement through sports sponsorships (MKS Bank BS Płońsk, GKS Gladiator Słoszewo Bank BS Płońsk) and educational partnerships anchor customer retention in rural and small-town Mazovia.

Name

Bank Spółdzielczy w Płońsku

Legal name

Bank Spółdzielczy w Płońsku

Website

https://bsplonsk.pl

Company type

Private

Founded year

1900

Operating status

Operating

Headcount range

11–50 employees

Short description

Bank Spółdzielczy w Płońsku is a cooperative bank (BPS Group) founded circa 1900 serving individuals, SMBs, farmers, and local governments across five branches in Mazowieckie voivodeship (Płońsk, Ciechanów, Mława counties), offering accounts, mortgages, loans, deposits, cards, and insurance via eBankNet digital channels.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Credit Unions (52213), Commercial Banking (52211)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Student & Youth Banking (FSABAAAH), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Cooperative banking services
• Retail deposit accounts
• Agricultural lending
• Consumer mortgage loans
• Business banking

Headquarters

HQ city

Płońsk

HQ country

Poland

HQ region

Europe

Offices5 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 charged on loans and credit facilities including mortgages (Nasz Dom), personal loans (Kredyt na Piątkę), and business loans
2. Fee and Commission Income: Fees from account maintenance, card operations, money transfers, currency exchange, and insurance products
3. Deposit Taking: Accepting deposits from customers including term deposits (Lokata PLUS, Lokata PLUS Internetowa) and savings accounts

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Bank Spółdzielczy w Płońsku is a universal cooperative bank offering a comprehensive suite of retail and commercial banking products to individuals, businesses (SMEs), farmers, and local government units. Core offerings include checking and savings accounts, term deposits, personal loans, housing mortgages, agricultural investment credit, debit and credit cards (Visa and MasterCard), insurance products, and foreign exchange services. The bank delivers these through 5 physical branches across Mazowieckie voivodeship complemented by the eBankNet digital banking platform, BSGo Junior youth banking app, and KartoSFERA card management portal.

Product overview

Bank Spółdzielczy w Płońsku is a cooperative bank offering a comprehensive suite of banking products and services through three main customer segments: individual clients (Klienci indywidualni), businesses (Firmy), and farmers (Rolnicy). The core product portfolio centers on checking and savings accounts (including Konto dla Aktywnych, Happy Konto, Konto SENIOR, and Zawsze na PLUSIE), lending products (cash loans like Kredyt na Piątkę, housing mortgages such as Kredyt mieszkaniowy "Nasz Dom" with promotional variants, and agricultural investment credit), term deposits (Lokata PLUS and Lokata PLUS Internetowa), and payment cards (Visa and MasterCard debit and credit cards including multi-currency and contactless options). The bank provides digital banking via the eBankNet platform including BSGo Junior for youth banking, card management through KartoSFERA portal, and distributes insurance products (life, property, and auto). All services are accessible through branch network and digital channels, with the bank being part of the BPS Group.

Differentiator

Problem solved

Functional benefit

Products and services

• Konto dla Aktywnych Personal checking account for demanding individual customers requiring full control and freedom in banking transactions.
• Happy Konto First adult bank account designed for young individual customers transitioning into financial independence.
• Konto SENIOR Personal checking account tailored for senior individual customers with features suited to their banking needs.
• Kredyt na Piątkę Personal cash loan for individual customers with variable interest rate of 10.25% annually (NBP reference rate 5.25% + 5.0% margin); RRSO 11.21% on representative example of 21,000 PLN over 42 months, maximum term 60 months.
• Kredyt mieszkaniowy Nasz Dom Housing mortgage loan for individual customers with promotional margin from 1.30%; RRSO 5.70% on representative example of 519,750 PLN over 216 months, maximum term 360 months.
• Kredyt mieszkaniowy Nasz Dom - PROMOCJA Promotional housing mortgage with 0% commission and reduced margin until 31.12.2026, includes free safety package with carbon monoxide detector and flashlight.
• Pożyczka hipoteczna Home equity-secured loan product for property-related financing needs for individual customers.
• Kredyt w rachunku oszczędnościowo-rozliczeniowym Overdraft credit facility attached to a checking/savings account for individual customers, providing flexible access to additional funds.
• Kredyt inwestycyjny (Agricultural) Investment credit facility for farmers and agricultural customers providing stable financing for agricultural modernization and farm development.
• Lokata PLUS Term deposit product for individual savers offering competitive interest rates.
• Lokata PLUS Internetowa Internet-based term deposit product for online account management and savings for individual customers.
• Zawsze na PLUSIE Savings account product for individual customers providing ongoing positive returns.
• Karta Visa Wielowalutowa Multi-currency Visa debit card for individual customers conducting international transactions with favorable exchange rates.
• Karta debetowa VISA Classic Standard Visa debit card for individual customers for everyday banking transactions.
• Karta debetowa MasterCard Debit MasterCard debit card for individual customers for secure and convenient payments.
• Karta debetowa VISA payWave Contactless Visa debit card with payWave technology for individual customers for quick tap-and-go payments.
• Karta VISA niespersonalizowana Non-personalized (instant-issue) Visa debit card for individual customers, issued immediately without customer name printed.
• Karta kredytowa VISA Credit Visa credit card with revolving credit facility for individual customers for flexible financing.
• Karta kredytowa MasterCard Credit MasterCard credit card for individual customers offering revolving credit financing options.
• Ubezpieczenia na życie Life insurance products distributed by the bank to individual customers.
• Ubezpieczenia majątkowe Property insurance products for homes and assets distributed by the bank to individual customers.
• Ubezpieczenia komunikacyjne Auto/motor insurance products for vehicle coverage distributed by the bank to individual customers.
• BSGo Junior Digital banking service for young customers (14-19 years) providing account access, management, transfers, BLIK payments, phone top-ups, and parent payment request features.

Quantifiable outcome

• Record profit achieved in 2024, net surplus 2025: 39.28 million PLN
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

13 partnerships are on record, tiered major, core and minor.

• GKS Gladiator Słoszewo Bank BS PłońskmajorOthers · 29 January 2025Title sponsorship of local football club. From January 2025, the club operates under name GKS Gladiator Słoszewo Bank BS Płońsk. Club competes in Liga Okręgowa.
• MKS Bank BS PłońskmajorOthers · 1 January 2019Title sponsorship of youth sports club (MKS Młodzieżowy Klub Sportowy Bank BS Płońsk). Sponsorship active since 2019. Multiple club athletes won district sports awards.
• Bank Polskiej Spółdzielczości S.A. (BPS)coreStrategic or Co-development PartnerBank Spółdzielczy w Płońsku is affiliated with Bank BPS S.A. as part of the cooperative banking group. This zrzeszenie provides deposit protection, shared banking systems, operational support, and represents the bank at national level.
• System Ochrony Zrzeszenia BPS (SOZ BPS)coreOthersDeposit guarantee system protecting customer deposits. All cooperative banks in BPS association participate in this protection scheme administered by Bank BPS.
• Krajowy Związek Banków Spółdzielczych (KZBS)coreStrategic or Co-development PartnerThe bank serves as Ambassador for Pierwsza Liga Biznesu project initiated by KZBS. Partnership involves hosting business education seminars for entrepreneurs on topics like EU funds, AI, tax optimization.
• Szkoła Główna Handlowa w Warszawie (SGH)majorStrategic or Co-development PartnerAcademic partner for Pierwsza Liga Biznesu seminars. Provides expert speakers on tax optimization, Generation Z business topics. Collaborates on business education initiatives.
• Polski Fundusz Rozwoju (PFR)majorStrategic or Co-development PartnerPartner in Pierwsza Liga Biznesu providing expertise on EU funding opportunities for SMEs. Magda Gajownik de Vries from PFR leads AI adoption seminars.
• Kancelaria WKBminorStrategic or Co-development PartnerLegal advisory partner in Pierwsza Liga Biznesu project. Provides expertise on business law and creditor rights topics.
• Anna Ledwoń-BlachaminorStrategic or Co-development PartnerBrand communication strategist and partner in Pierwsza Liga Biznesu, providing marketing and AI implementation expertise for SMEs.
• GeneralimajorStrategic or Co-development PartnerLong-term insurance partner providing group life and accident insurance (NNW) for Bank shareholders. Insurance is provided free of charge to qualifying members with products or 25+ years membership.
• Mazowiecka Izba GospodarczamajorGTM or Marketing PartnerActive partnership through Ciechanów branch in local business chamber. Bank participates in MIG events, training sessions (AI in business), and gala celebrations. Bank sponsored 35th anniversary gala.
• Związek Banków Polskich (ZBP)majorStrategic or Co-development PartnerBank participates in ZBP-organized events including Forum Bankowo-Samorządowe. Prezes serves in BPS Zrzeszenie leadership. Active contributor to cooperative banking advocacy.
• Państwowa Akademia Nauk Stosowanych im. Ignacego Mościckiego w CiechanowieminorOthersPartnership with Ciechanów university for student education. Bank hosts students for business lectures on enterprise value building, credit assessment, and cooperative banking role.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• PKO Bank Polski: Poland's largest state-linked commercial bank offering universal retail, mortgage, and SME banking nationwide. A broad incumbent whose national deposit and branch footprint shadows BS Płońsk's local retail and mortgage franchise.
• BNP Paribas Bank Polska: Mid-tier Polish universal bank serving retail, SME, and corporate clients with full deposit and credit products. Competes for the same SME and retail banking wallet as BS Płońsk.
• ING Bank Śląski S.A. Major Polish universal bank with strong retail, mortgage, and SME offerings, including a digital-first platform. Competes head-on with BS Płońsk for retail accounts, mortgages, and small-business banking.
• Credit Agricole Bank Polska: Major Polish commercial bank with a strong presence in agricultural and SME lending, including dedicated farming clientele. Operates at much greater scale than BS Płońsk but competes for the same farmers and rural-SME deposits.
• mBank S.A. A leading digital-first Polish commercial bank with a growing retail mortgage and SME franchise. Comparable as a competitor targeting the same digitally active retail and SME customers in mid-sized Polish towns.
• Bank Millennium S.A. Polish universal bank with a substantial retail mortgage and consumer lending franchise. Comparable as a competitor for deposits, personal loans, and mortgage origination across BS Płońsk's service area.
• Bank Pekao S.A. One of Poland's largest universal banks serving retail, SME, and corporate customers with a broad branch network and full-service product suite. Comparable as a national competitor pursuing the same mass-market consumer segments.

Others

• Bank BPS S.A. Central institution of the BPS cooperative banking group, of which BS Płońsk is a member. Not a direct competitor per se, but provides shared infrastructure, protection systems, and policy framework governing BS Płońsk's operations.

Direct peers

• SGB-Bank S.A. (Spółdzielcza Grupa Bankowa): Central institution of the rival cooperative banking group in Poland, federating member cooperative banks with a similar universal-cooperative model. Directly comparable as the alternative cooperative-banking umbrella for SME, retail, and agricultural banking.
• Kasa Stefczyka (SKOK): Poland's largest credit union / cooperative savings association offering member-owned retail banking, deposits, and loans. Closely comparable to BS Płońsk's cooperative, member-owned operating model serving everyday retail financial needs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/bank-sp%C3%B3%C5%82dzielczy-w-p%C5%82o%C5%84sku

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Płońsku