Bank Spółdzielczy w Szczytnie

What Bank Spółdzielczy w Szczytnie does

Bank Spółdzielczy w Szczytnie is a Polish cooperative bank (bank spółdzielczy) founded around 1910 and headquartered in Szczytno in the Warmian-Masurian Voivodeship, serving retail individuals, youth, businesses, and farmers through 12 physical branches across the region and digital channels including eBank Online (web), eBank Go (mobile application), and eBank Smart (youth-focused). The institution operates as a member of the BPS (Bank Polskiej Spółdzielczości) cooperative banking network, which provides regulatory protection via the System Ochrony Zrzeszenia BPS and BFG deposit guarantees up to 100,000 EUR per depositor. Its technology stack is built on the shared BPS infrastructure (provided by vendors e-point S.A. and ITcard) and integrates standard payment ecosystems including BLIK, Visa, Mastercard, Express Elixir, Apple Pay, Google Pay, Garmin Pay, Xiaomi Pay, SwatchPAY!, and Amazfit/Zepp Pay.

Name

Bank Spółdzielczy w Szczytnie

Legal name

Bank Spółdzielczy w Szczytnie

Website

https://bsszczytno.pl

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Polish cooperative bank headquartered in Szczytno serving retail, youth, SME, and agricultural customers across the Warmian-Masurian Voivodeship through 12 branches and digital channels, operating as a member of the BPS cooperative banking network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSABAKAK

Savings Banks (Public/State-Owned)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Development & Public Sector Banking (DFIs, Postal/Savings Banks)

SECONDARYFSABAAAI

Small Business Banking (Microbusiness/Sole Proprietor)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABAKAE

Agricultural & Rural Development Banks

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Development & Public Sector Banking (DFIs, Postal/Savings Banks)

Keywords

• Cooperative banking
• Retail banking services
• Agricultural financing
• Consumer lending
• Business banking

Headquarters

HQ city

Szczytno

HQ country

Poland

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: The primary revenue stream comes from interest earned on loans and credit products extended to retail, agricultural, and business customers. This includes mortgage loans, consumer loans, agricultural loans (Agro-Kredyt, Kredyt Rolnik Express, AGRO Ziemia), business loans, and credit lines.
2. Deposit Interest Spreads: Revenue generated from the spread between interest paid to depositors on savings accounts and term deposits versus the higher interest rates charged on loans.
3. Transaction and Commission Fees: Fees from processing payments, transfers (including Express Elixir instant transfers), ATM withdrawals, and account maintenance services. The bank offers promotional reduced fees for online domestic transfers.
4. Card Operations: Revenue from credit and debit card transactions, including interchange fees, annual card fees for premium cards (Mastercard APIS, APIS Elite, World Mastercard), and currency conversion fees on international transactions.
5. Insurance Distribution (Bancassurance): The bank acts as an insurance agent distributing various insurance products including travel insurance, life and health insurance, NNW (accident insurance), property insurance, car insurance, agricultural insurance, crop insurance, and OZE (renewable energy source) insurance through partnerships with InterRisk, Generali, Uniqa, Compensa, Ergo Hestia, and MTU.
6. Leasing and Factoring Services: Revenue from facilitating leasing arrangements (AGRO Leasing for agricultural equipment, standard leasing for vehicles and machinery) and factoring services (SMEO factoring for farmers and businesses) through partner relationships.
7. Guarantee and Warranty Services: Fees from issuing credit guarantees supported by BGK programs including FGR PLUS/Agromax (agricultural), KFG (de minimis), FENG Biznesmax Plus and Ekomax, FG POIR Biznesmax, and Investmax under InvestEU program.
8. Western Union International Transfers: Commission revenue from international money transfer services through Western Union network partnership.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Bank Spółdzielczy w Szczytnie is a Polish cooperative bank offering retail, business, agricultural, and youth banking services across the Warmian-Masurian Voivodeship. Core offerings include current and savings accounts, term deposits, mortgage and consumer loans, agricultural and business credit products, payment cards, BLIK and mobile wallet payments, POS acquiring services, factoring, leasing, credit guarantees backed by BGK/EU programs, insurance distribution, foreign exchange, and money transfers. Digital channels comprise eBank Online internet banking and the eBank Go mobile application, supported by 12 physical branches.

Product overview

Bank Spółdzielczy w Szczytnie operates as a cooperative bank offering a comprehensive suite of banking products and services organized across four primary customer segments: individual customers (Klient indywidualny), youth and children (Młodzi), businesses (Firmy), and farmers (Rolnicy). The core digital banking platform consists of EBO Online (web-based electronic banking), eBank Go (mobile application), and eBank Smart (youth-focused mobile banking). The product portfolio encompasses personal accounts (Pol-Konto family including EKO Rachunek, Konto Senior, Konto Pro, Konto Przyjazne, Konto Kibica), youth accounts (Konto Junior, Konto Smart with associated Skarbonka savings), and business accounts (Mikro Biznes). Payment solutions include Visa and MasterCard debit and credit cards across multiple tiers (Classic, Gold, World, APIS, APIS Elite, Business, Business Moya), BLIK mobile payments, digital wallets (Apple Pay, Google Pay, Garmin Pay, Xiaomi Pay, SwatchPAY!, Amazfit), and merchant services (Planet Pay POS terminals, Express Elixir instant payments). Savings products include term deposits (Lokata Standardowa, eLokata STANDARD, Lokata Pensja+), promotional deposits (Lokata Urodzinowa, Lokata na Nowe Środki), and investment products (UniLokata). Lending products span personal loans (Kredyt Letni Czas, Agro-Kredyt, Kredyt w Twoim TYPIE, Bezpieczna Gotówka), mortgages (Kredyt Mieszkaniowy Mój Dom, Uniwersalny Kredyt Hipoteczny), agricultural loans (Kredyt Rolnik Express, Kredyt AGRO Ziemia, Szybka Inwestycja AGRO), and business financing (investment loans, revolving credit, Kredytowa Linia Hipoteczna, Kredyt Technologiczny FENG, Kredyt Ekologiczny FENG). Credit guarantees are available through EU programs (Gwarancje FENG Biznesmax Plus, Ekomax, Investmax, FG POIR BIZNESMAX) and government schemes (Gwarancje KFG, Gwarancje FGR PLUS AGROMAX). Additional services include factoring (Faktoring, SMEO), leasing (Leasing, AGRO Leasing), insurance products, e-Kantor currency exchange, mojeID identity verification, and Western Union money transfers. The bank maintains 11 branch locations across the region.

Differentiator

Problem solved

Functional benefit

Brands

• EBO Online: Internet banking platform for online account management
• eBank Go
• eBank Smart
• e-Kantor
• Kartosfera
• Moje ID
• Mikro Biznes
• EKO Rachunek

Products and services

• Pol-Konto
• EKO Rachunek
• Konto Junior
• Konto Smart
• Mikro Biznes
• Lokata Standardowa
• Lokata na Nowe Środki
• Kredyt Mieszkaniowy Mój Dom
• Bezpieczna Gotówka
• Kredyt AGRO Ziemia
• Kredyt Rolnik Express
• Kredyt Inwestycyjny
• Gwarancje KFG
• Gwarancje FGR PLUS (AGROMAX)
• Faktoring Abonamentowy
• AGRO Leasing
• Karta Wielowalutowa Visa Debetowa
• Mastercard APIS Elite
• BLIK Mobile Payments
• Terminale POS Planet Pay
• Western Union Money Transfers
• Insurance Distribution
• e-Kantor Currency Exchange
• POL-IKZE Individual Pension Account
• Kredyt eGotówka
• Szybka Inwestycja Business Loan

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration26 records

AI capability1 record

Feature6 records

Partnerships

23 partnerships are on record, tiered core and minor.

• Bank Polskiej Spółdzielczości S.A. (BPS)coreStrategic or Co-development PartnerThe bank is affiliated with the BPS cooperative banking network, participating in the System Ochrony Zrzeszenia BPS (BPS Banking Group Protection System) which provides regulatory protection, shared banking infrastructure, and access to interbank services and settlement systems.
• Bank Gospodarstwa Krajowego (BGK)coreStrategic or Co-development PartnerPartnership for government-backed guarantee programs including FGR PLUS/Agromax for farmers, KFG de minimis guarantees, FENG Biznesmax Plus and Ekomax for businesses, FG POIR Biznesmax, and Investmax under InvestEU program. These programs enable the bank to offer credit with partial government guarantees.
• Bankowy Fundusz Gwarancyjny (BFG)coreOthersDeposit guarantee fund providing protection for customer deposits up to 100,000 EUR per depositor as part of the Polish deposit guarantee system.
• VISA EuropecoreTechnology or IntegrationCard network partnership enabling VISA-branded debit and credit cards including Visa Classic, Visa Pay Wave, Visa Business, Visa Credit, Visa Gold, and the multi-currency Visa card. Also includes Visa Mobile and Visa Business MOYA fleet cards.
• MastercardcoreTechnology or IntegrationCard network partnership enabling Mastercard-branded cards including MasterCard Credit, World MasterCard, MasterCard Business, World MasterCard Business, and premium cards Mastercard APIS and APIS Elite with travel insurance and Priority Pass.
• BLIKcoreTechnology or IntegrationMobile payment system integration enabling BLIK payments in eBank Go app for contactless payments, ATM withdrawals, phone-to-phone transfers, and instant payments without card details.
• Krajowa Izba Rozliczeniowa S.A. (KIR)coreTechnology or IntegrationProvides Express Elixir instant payment infrastructure enabling real-time interbank transfers up to 5,000 PLN, operating 24/7 through internet banking.
• Planet PaycoreChannel Partner/ Reseller/ DistributorPOS terminal and merchant services partnership providing payment processing terminals (stationary and mobile), POSapp mobile application, and online payment gateway for business customers.
• SMEOminorChannel Partner/ Reseller/ DistributorFactoring services partnership offering quick invoice financing (up to 1,000,000 PLN limit) for businesses and farmers, with funds available within 5 minutes of invoice verification.
• InterRisk Towarzystwo Ubezpieczeń S.A. Vienna Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance distribution partnership offering various insurance products through the bank's branch network and online channels.
• GeneraliminorChannel Partner/ Reseller/ DistributorInsurance distribution partnership offering life, health, property, and travel insurance products. Also provides travel insurance included with premium Mastercard APIS cards (up to 400,000 PLN coverage).
• UniqaminorChannel Partner/ Reseller/ DistributorInsurance distribution partnership for various insurance products sold through the bank's insurance channel.
• CompensaminorChannel Partner/ Reseller/ DistributorInsurance distribution partnership for various insurance products sold through the bank's insurance channel.
• Ergo HestiaminorChannel Partner/ Reseller/ DistributorInsurance distribution partnership for various insurance products sold through the bank's insurance channel.
• MTU / MTU24minorChannel Partner/ Reseller/ DistributorInsurance distribution partnership for various insurance products sold through the bank's insurance channel.
• BPS LeasingminorChannel Partner/ Reseller/ DistributorLeasing services partnership providing equipment and vehicle leasing solutions for business customers.
• BIK (Biuro Informacji Kredytowej)coreTechnology or IntegrationCredit information bureau providing credit history data for loan assessment and risk management purposes.
• National Bank of Poland (NBP)coreOthersCentral bank providing monetary policy, reference exchange rates (WIBOR, WIBID), and regulatory oversight for the Polish banking sector.
• Związek Banków Polskich (ZBP)minorOthersPolish Banking Association providing industry representation, standards, and advocacy for the banking sector.
• MOYA (ANWIM S.A.)minorGTM or Marketing PartnerFuel card partnership offering Visa Business MOYA hybrid card with fuel discounts (12 gr/l regular, 20 gr/l promotional until 31.12.2026) at MOYA petrol stations.
• CUK UbezpieczeniaminorChannel Partner/ Reseller/ DistributorInsurance comparator platform enabling customers to compare and purchase car and property insurance online through the bank's portal.
• Res EnergyminorChannel Partner/ Reseller/ DistributorRenewable energy solutions partner associated with OZE (Renewable Energy Sources) insurance products.
• Vienna Insurance GroupminorChannel Partner/ Reseller/ DistributorInsurance group (parent of InterRisk) offering insurance products through the bank's distribution channel.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Bank Polskiej Spółdzielczości S.A. (BPS): Parent/affiliate cooperative banking network providing shared infrastructure, interbank services, and protection systems to member banks including Bank Spółdzielczy w Szczytnie. The most direct structural peer given the formal BPS affiliation.
• SGB-Bank S.A. Parallel cooperative banking network in Poland with a similar member-bank affiliation model and shared services structure. Comparable in scale, governance, and product offerings from a peer-bank perspective.
• Krakowski Bank Spółdzielczy: Polish cooperative bank operating a multi-branch regional model serving retail, business, and agricultural customers. Closely comparable in product breadth, governance structure, and customer-segment focus.
• Bank Spółdzielczy w Brodnicy: Polish cooperative bank with similar regional footprint serving retail and business customers in northern Poland. Comparable in scale, branch count, and dependence on BPS shared infrastructure.

Broad incumbents

• PKO Bank Polski: Largest universal bank in Poland with national branch network competing across all of Bank Spółdzielczy w Szczytnie's product lines including retail, mortgage, and agricultural lending.
• Bank Ochrony Środowiska (BOŚ Bank): Polish state-influenced bank with similar emphasis on environmental/eco-credit products (Kredyt Ekologiczny). Comparable niche positioning around subsidized credit programs and ESG-themed lending.
• BNP Paribas Bank Polska: Large universal bank in Poland with full retail, business, and agricultural product portfolios directly overlapping with the bank's offerings.
• Bank Pekao S.A. Major Polish commercial bank with broad retail and SME presence competing on deposit and loan products across the Warmian-Masurian region.
• Credit Agricole Bank Polska: Universal bank with strong agricultural lending tradition in Poland through its historical Crédit Agricole lineage — particularly relevant as a competitor for the farmer-segment loans.
• Alior Bank: Polish commercial bank with retail and SME focus, increasingly competing on digital and mobile banking — relevant peer for assessing competitive intensity on deposit and loan pricing.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCJSpOqqzTOO68ExNLq1_Vxg
• Facebookfacebook.com/bsszczytno
• LinkedInlinkedin.com/company/bank-sp%C3%B3%C5%82dzielczy-w-szczytnie

Compliance9 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 Szczytnie