Mazovia Bank Spółdzielczy

What Mazovia Bank Spółdzielczy does

Mazovia Bank Spółdzielczy is a Polish cooperative bank founded in 1914, headquartered in Góra Kalwaria in the Mazovia region. It operates four units — a headquarters and three branches in Sobienie Jeziory and Osieck — supported by approximately 40 employees. The bank is wholly Polish-owned under a cooperative (spółdzielczy) ownership model and is affiliated with Bank Polskiej Spółdzielczości S.A. (BPS), the central institution of the cooperative banking group, sharing its BIC/SWIFT code (POLUPLPR) and gaining access to BPS-managed infrastructure including PSD2 open banking APIs.

The bank serves individual customers, farmers, entrepreneurs, budget units, and youth (ages 13–18) across three core product pillars: retail banking (MojeKONTO personal accounts, MojaLOKATA term deposits, Koszyk Marzeń cash loans, "Pod własnym niebem" mortgages), agricultural banking (AgroKONTO, AGRO loans with FGR guarantee and BGK interest subsidies reducing rates to 1%), and SME banking (BiznesKONTO accounts, investment credits, revolving facilities, InvestEU-backed guarantees, and Mieszkaniowe Rachunki Powiernicze escrow accounts). Distribution combines physical branches, the redesigned eBank internet banking platform (Feb 2026, WCAG 2.1 AA compliant), the MazoviaBank Mobile app, a 4,000+ fee-free ATM network, and referral partnerships with Generali (insurance) and BPS Leasing i Faktoring (leasing). The bank is supervised by the Polish Financial Supervision Authority (KNF) and deposits are guaranteed up to EUR 100,000 by the Bank Guarantee Fund (BFG).

Revenue is generated primarily through net interest income on the loan portfolio (mortgages, consumer credit, agricultural financing, SME working capital, overdrafts), supported by fee income from account maintenance, card issuance, and commissions; affiliate/referral income from Generali insurance and BPS Leasing distribution adds non-spread income. Customer acquisition relies on local presence, the cooperative ownership structure, and a content marketing approach spanning the company website, Facebook, YouTube, and a financial-literacy podcast on Spotify.

Name

Mazovia Bank Spółdzielczy

Legal name

Mazovia Bank Spółdzielczy

Website

https://mazoviabank.pl

Company type

Private

Founded year

1914

Operating status

Operating

Headcount range

1–10 employees

Short description

Mazovia Bank Spółdzielczy is a 110-year-old Polish cooperative bank serving several thousand individual, agricultural, and SME customers in the Mazovia region through four branches and digital channels, affiliated with the BPS cooperative banking group.

Ownership category

akta.pro rank

Product category

Cooperative Banking

NAICS

Depository Credit Intermediation (5221), Credit Unions (522130)

SIC

State Commercial Banks (6022)

akta.pro primary industry

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

akta.pro secondary industries

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Cooperative banking
• Retail banking
• Agricultural lending
• Consumer loans
• Small business banking

Headquarters

HQ city

Góra Kalwaria

HQ country

Poland

HQ region

Europe

Offices4 records

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 Loans: Primary revenue stream from interest charged on mortgage loans, cash loans, revolving credit, and agricultural financing products
2. Deposit Interest Payments: Interest paid to customers on savings accounts, term deposits, and current accounts - cost of funding
3. Account and Card Fees: Monthly account maintenance fees, card issuance and usage fees, transaction commissions
4. Insurance Distribution: Referral fees from directing customers to Generali insurance products (vehicle, travel, home, NNW policies) via online links
5. Leasing Distribution: Referral and partnership revenue from BPS Leasing i Faktoring for vehicle, equipment, and property leasing products

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Mazovia Bank Spółdzielczy is a 100% Polish-owned cooperative bank (bank spółdzielczy) founded in 1914, operating four branches in the Mazovia region. It offers a full portfolio of retail and business banking products, including personal accounts (MojeKONTO), savings accounts, term deposits (MojaLOKATA), consumer loans, mortgages, agricultural credit with government subsidies, business accounts (BiznesKONTO), business loans, EU-backed guarantees, escrow accounts, and leasing. Banking services are delivered through physical branches, eBank internet banking, a mobile app, and a shared cooperative ATM network of more than 4,000 fee-free ATMs.

Product overview

Mazovia Bank Spółdzielczy is a Polish cooperative bank offering a comprehensive portfolio of banking products across three segments: individual customers, farmers, and entrepreneurs. The core offerings center on MojeKONTO Osobiste (personal checking) and MojeKONTO Osobiste NaStart (youth accounts) for retail, MojaLOKATA MAX and MojaLOKATA na Nowe Środki (term deposits) for savings, and various credit products including Koszyk Marzeń personal loans, Kredyt w ROR overdrafts, and Kredyt hipoteczny mortgages. Farmer segment products include AgroKONTO Standardowe and AgroLOKATA MAX with specialized Kredyt obrotowy AGRO. Business offerings span BiznesKONTO Starter/Optymalne accounts, Kapitał wzrostu investment credits, Kredyt rewolwingowy revolving credit, Kredyt obrotowy facilities, Gwarancja InvestEU guarantees, Mieszkaniowe Rachunki Powiernicze escrow accounts, and Bezpieczny Leasing (via BPS Leasing). The bank operates digital channels through eBank internet banking (redesigned Feb 2026) and MazoviaBank Mobile app, supporting BLIK, Google Pay, Apple Pay, and Express Elixir payments. Insurance products (NNW, OC/AC, travel, home) are distributed via Generali referral links. The bank participates in the BPS group and offers PSD2-compliant open banking APIs.

Differentiator

Problem solved

Functional benefit

Brands

• MojaLOKATA: Term deposit product line including MojaLOKATA MAX and MojaLOKATA na Nowe Środki
• MojeKONTO
• Koszyk Marzeń
• Pod własnym niebem jest najlepiej
• BiznesKONTO
• AgroKONTO
• Rachunek MójZYSK
• eBank
• MazoviaBank Mobile

Products and services

• MojeKONTO Osobiste Personal checking account for individuals with 0 PLN monthly fee, Visa/MasterCard debit cards, BLIK payments, Google Pay/Apple Pay support, and access to 4,000+ fee-free ATMs across Poland.
• MojeKONTO Osobiste NaStart JUNIOR 13-18 Savings and checking account for teenagers aged 13-18, enabling pocket money management, card payments, BLIK, and smartphone/smartwatch payments.
• Rachunek MójZYSK Savings account combining immediate access to funds with competitive interest rates at 0.50% annual, including one free monthly transfer to a linked personal account.
• MojaLOKATA MAX Fixed and variable rate term deposits available via mobile and internet banking. Fixed rate of 3.00% for 1-month terms up to 50,000 PLN, with variable rate options available.
• MojaLOKATA na Nowe Środki Promotional 3-month term deposit at 3.30% annual interest for new funds up to 200,000 PLN, available until August 31, 2026, with BFG guarantee.
• Koszyk Marzeń Kredyt gotówkowy Personal cash loan for various consumer needs with no commission and a promotional rate effective from March 1, 2026, consolidating seasonal loan campaigns (e.g., Zimowy Paszport, Świąteczny Twist).
• Kredyt w ROR Overdraft facility on a personal account providing additional funds on demand, with a representative RRSO of 21.62%.
• Kredyt hipoteczny 'Pod własnym niebem jest najlepiej' Mortgage loan up to 90% of property value with variable or periodically fixed rates, for purchase, construction, renovation, modernization, or refinancing; up to 30 years, RRSO 5.81% variable / 5.83% fixed representative examples.
• AgroKONTO Standardowe Business checking account for farmers with internet banking, mobile app, Visa/MasterCard cards, Express Elixir, SEPA/TARGET2/SWIFT transfers, and EUR and USD accounts.
• AgroLOKATA MAX Term deposit for farmers and orchardists with 0.01% variable interest, available in 1, 3, 6, and 12-month terms with a 1,000 PLN minimum.
• Kredyt obrotowy AGRO z gwarancją FGR Agricultural revolving credit with up to 80% FGR guarantee and BGK interest subsidy of 7% for 24 months (borrower pays only 1% for first 2 years). Maximum 200,000 EUR equivalent, up to 48 months.
• BiznesKONTO Starter Free business account for startups and small businesses with 20 free Elixir transfers monthly, Visa Business card, Express Elixir up to 50,000 PLN, and EUR/USD accounts.
• BiznesKONTO Optymalne Business account in two tiers: 19 PLN/month with 20 free Elixir transfers, or 49 PLN/month with 60 free Elixir transfers; additional transfers 0.90-1.20 PLN each.
• Kapitał wzrostu (Kredyt inwestycyjny) Investment credit for businesses financing machinery, real estate, and business development with repayment periods up to 20 years and flexible disbursement options.
• Kredyt rewolwingowy Revolving credit for businesses with seasonal or cyclical patterns. Limit renews with repayment, providing flexible capital access.
• Kredyt obrotowy w rachunku kredytowym Non-revolving working capital credit up to 36 months for financing current business needs, with flexible repayment schedules.

Quantifiable outcome

• 4000+ fee-free ATMs available nationwide through cooperative network
• +3 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Bank Polskiej Spółdzielczości S.A. (BPS)coreStrategic or Co-development PartnerBPS serves as the central institution for the cooperative banking group. Mazovia Bank is affiliated with BPS ('Zrzeszeni w Grupie BPS') and uses BPS BIC/SWIFT code (POLUPLPR) for international settlements. BPS provides shared banking infrastructure, payment systems, and regulatory coordination for member banks.
• BPS Leasing i FaktoringcoreChannel Partner/ Reseller/ DistributorPartnership for offering leasing products including vehicle leasing (personal and commercial up to 3.5t), machinery and equipment leasing, agro leasing, photovoltaic installation leasing, commercial real estate leasing, and leasing loans. Also offers factoring services through this partnership.
• Generali (via eshop.generali.pl)minorChannel Partner/ Reseller/ DistributorInsurance product distribution partnership. Bank provides links to Generali online insurance shop for vehicle OC/AC, travel insurance, home insurance, NNW (accident insurance), roadside assistance, and trip cancellation coverage. Bank acts as referral partner, not insurer.
• mojbank.pl / Banki Spółdzielcze NetworkminorChannel Partner/ Reseller/ DistributorCooperative banking network providing shared ATM infrastructure. Customers access 4000+ fee-free ATMs across Poland through the cooperative banking network (Banki Spółdzielcze S.A. and PlanetCash).
• PlanetCashminorChannel Partner/ Reseller/ DistributorATM network partnership providing access to additional fee-free ATMs across Poland through PlanetCash network.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• mBank: Leading Polish digital-first commercial bank (part of Commerzbank group historically); directly comparable on mobile/internet banking maturity and PSD2 API capability and a competitive threat for younger Mazovia Bank customers.
• ING Bank Śląski: Top-five Polish bank with strong digital (Moje ING) and SME franchise; relevant peer for understanding what scaled digital retail/SME banking looks like versus a small cooperative offering.
• PKO Bank Polski: Poland's largest state-owned commercial bank and the dominant retail/mortgage lender nationwide; competes with Mazovia Bank for individual and SME deposits and loans, but at vastly greater scale and product breadth.
• Bank Pekao S.A. One of Poland's largest universal banks offering retail, agricultural, and SME banking with a broader geographic footprint; relevant as a benchmark for product depth and as a competitor for larger SME and corporate clients in Mazovia.
• Santander Bank Polska: Major incumbent Polish commercial bank with national branch and digital coverage; competes head-on with cooperative banks in retail deposits, mortgages, and SME lending, and serves as a benchmark for digital banking UX.
• Bank Polskiej Spółdzielczości S.A. (BPS Group): BPS is the central institution of the cooperative banking group to which Mazovia Bank belongs; it provides shared infrastructure (SWIFT POLUPLPR, payment systems, regulatory coordination) and is functionally the closest institutional peer as the parent/aggregator.

Direct peers

• SGB-Bank S.A. Central institution of the rival Spółdzielcza Grupa Bankowa, the other major Polish cooperative banking network; comparable in role to BPS for member banks and a structural alternative/cooperative peer to the Mazovia Bank model.
• Powiatowy Bank Spółdzielczy w Zamościu: A larger Polish cooperative bank offering a similar full-service retail/agriculture/SME product mix under the BPS Group, useful as a size-and-model benchmark for what a scaled-up Mazovia Bank could look like.
• Bank Spółdzielczy w Radomiu: Another Mazovia-region cooperative bank affiliated with the BPS Group, offering retail, agricultural, and SME banking products to a similar rural/small-town customer base with comparable scale.

Others

• BGK (Bank Gospodarstwa Krajowego): Polish state development bank providing FGR guarantees, AGRO interest subsidies, and InvestEU counter-guarantees that Mazovia Bank distributes; a critical upstream partner rather than a competitor, but a relevant comparable for development-finance product design.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@mazoviabankspółdzielczy
• Facebookfacebook.com/MazoviaBank
• LinkedInlinkedin.com/company/mazovia-bank

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Mazovia Bank Spółdzielczy