SKOK Ziemi Rybnickiej

What SKOK Ziemi Rybnickiej does

SKOK Ziemi Rybnickiej (legal name: Spółdzielcza Kasa Oszczędnościowo-Kredytowa Ziemi Rybnickiej) is a cooperative savings and loan institution founded on October 18, 1993, originally at the Dębieńsko coal mine in Czerwionka-Leszczyny, Poland. Since 1996, following Silesian mine closures, the institution has operated as a multi-branch cooperative serving members across four Polish voivodeships (Silesian, Opole, Świętokrzyskie, and Małopolskie) through 22 cash-office locations and a digital banking suite (eSKOK online, mSKOK mobile, eWniosek loan origination, e-Doręczenia electronic delivery). The institution's product portfolio spans consumer loans, consolidation loans, mortgage loans (up to 70% LTV, RRSO 6.65%), EKO loans for renewable energy, term deposits and savings accounts, Visa payment cards with Google Pay and Visa Mobile integration, and Saltus Ubezpieczenia-distributed insurance products.

The cooperative model means every member is a co-owner with voting rights at the Representatives' Meeting, and membership is open from age 13 (via Super Konto with parental controls). The institution is supervised by the Financial Supervision Commission (KNF) since 2012 and deposits are fully protected by the Bank Guarantee Fund (BFG) on the same terms as bank deposits since 2013, with a SWIFT/BIC code (WBKPPLPP) provided through the Krajowa Spółdzielcza Kasa Oszczędnościowo-Kredytowa (KSKOK) umbrella organization. Revenue is generated primarily through net interest margin on lending (loan RRSO ranging 6.65%-9.37% across products), complemented by insurance distribution commissions from Saltus Ubezpieczenia, card/account fees, and modest membership fees.

In 2026, the cooperative announced a merger with SKOK Szopienice, in which SKOK Szopienice acts as the acquiring entity pending KNF approval, marking a structural consolidation rather than a growth expansion. The institution has approximately 9 employees at the headquarters level, reports over 37,000 members, and operates across the four voivodeships listed above.

Name

SKOK Ziemi Rybnickiej

Legal name

Spółdzielcza Kasa Oszczędnościowo-Kredytowa Ziemi Rybnickiej

Website

https://skokzr.pl

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

SKOK Ziemi Rybnickiej is a Polish cooperative savings and loan institution founded in 1993, serving over 37,000 members across four voivodeships through 22 branches and digital banking, offering loans, deposits, accounts, and Saltus insurance products.

Ownership category

akta.pro rank

Product category

Cooperative Retail Banking

NAICS

Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (52218), Credit Card Issuing (522210)

SIC

Savings Institutions, Not Federally Chartered (6036), Personal Credit Institutions (6141)

akta.pro industry

PRIMARYFSABAEAF

Cooperative Banks (Member-Owned Commercial/Retail)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Cooperative savings loans
• Consumer credit products
• Retail deposit services
• Member banking services
• Mortgage lending Poland

Headquarters

HQ city

Czerwionka-Leszczyny

HQ country

Poland

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan and Credit Interest Income: SKOK Ziemi Rybnickiej generates primary revenue from interest on loans and credit products including cash loans, consolidation loans, mortgage loans, and EKO loans for renewable energy. Interest rates vary by product: consolidation from 7.77%, mortgage at 6.65% RRSO, remodeling loans at 8.99%, and promotional Mundial loans at 8.99%.
2. Deposit and Savings Interest: Revenue is generated from the spread between lending rates and deposit rates paid to members. Deposits include savings accounts, term deposits (lokaty), and a'vista accounts with varying interest rates.
3. Insurance Distribution (Saltus Ubezpieczenia): SKOK distributes insurance products from Saltus Ubezpieczenia including life insurance (Saltus Twoje Życie), protection insurance (Saltus Twoja Ochrona), home insurance (Saltus - Mój Dom), accident insurance (NNW 'Moje Bezpieczeństwo'), health insurance ('Na Zdrowie' and 'Kuracja'), and travel insurance ('Moja Podróż'). Commission revenue is earned on each insurance product sold.
4. Account and Card Fees: Revenue from payment card operations, account maintenance (though many accounts are free), and transaction fees. Some promotional accounts and Super Konto for youth offer zero fees.
5. Membership Fees: Members pay entry fees (20 zł), purchase at least 1 share (89 zł), contribute a member deposit (1 zł), entry fee (2 zł), and annual membership fee (12 zł) to the Association for Supporting Development of Cooperative Savings and Loan Funds.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

SKOK Ziemi Rybnickiej is a Polish cooperative savings and credit union that provides retail financial services to its member-owners: consumer loans (cash, consolidation, mortgage, and EKO renewable-energy loans), term deposits and savings accounts, current personal accounts including a free Super Konto for ages 13+, Visa debit cards with mobile wallet support, and Saltus-branded life, home, health, accident, and travel insurance. Members must join the cooperative (purchase shares, pay entry and annual fees) to access services across 22 physical branches and the eSKOK online and mSKOK mobile banking channels.

Product overview

SKOK Ziemi Rybnickiej is a cooperative savings and loan bank (Spółdzielcza Kasa Oszczędnościowo-Kredytowa) offering a comprehensive portfolio of financial services. The core product suite comprises loan products (pożyczki i kredyty) including cash loans, consolidation loans, and mortgage loans; savings products (oszczędności) such as term deposits; personal accounts (konta osobiste) with digital banking access via eSKOK and mSKOK; and insurance products through SALTUS Ubezpieczenia. The offering includes specialized products like EKOpożyczka for renewable energy and promotional loans tied to events like Pożyczka Mundialowa. Digital services encompass online banking (eSKOK), mobile banking (mSKOK), online loan applications (eWniosek), and electronic document delivery (e-Doręczenia). Payment services include Visa cards with mobile payment integration (Google Pay, Visa Mobile). The organization primarily serves members in Silesia, Opole, Świętokrzyskie, and Małopolskie voivodeships, with services accessible both in-branch and digitally.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Over 37,000 members served across 22 branch locations in 4 voivodeships
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• SKOK SzopienicecoreStrategic or Co-development Partner · 1 July 2026SKOK Ziemi Rybnickiej is being merged with SKOK Szopienice, with SKOK Szopienice as the acquiring entity and SKOK Ziemi Rybnickiej as the acquired entity. The merger is proceeding under KNF (Financial Supervision Commission) approval and aims to create a stronger organization for continued service delivery. All existing contracts with SKOK Ziemi Rybnickiej remain valid and all services continue to be available.
• Krajowa Spółdzielcza Kasa Oszczędnościowo-Kredytowa (KSKOK)coreStrategic or Co-development PartnerSKOK Ziemi Rybnickiej is affiliated with the National Cooperative Savings and Credit Fund (KSKOK), which provides centralized services including currency exchange rates for international transfers. The BIC/SWIFT code WBKPPLPP identifies KSKOK in the international payment system. KSKOK publishes daily currency exchange rates used by member SKOKs.
• Saltus UbezpieczeniacoreChannel Partner/ Reseller/ DistributorSKOK distributes insurance products from Saltus Ubezpieczenia including life insurance (Saltus Twoje Życie), protection insurance (Saltus Twoja Ochrona), home insurance (Saltus - Mój Dom), accident (NNW), health, and travel insurance. Many loan products require or incentivize insurance from Saltus. SKOK has run multiple joint contests and promotions with Saltus, including a 30th anniversary contest.
• Visa EuropecoreTechnology or IntegrationSKOK issues Visa payment cards enabling ATM withdrawals, POS payments, online purchases, Google Pay contactless mobile payments, and Visa Mobile for internet transactions. The partnership includes promotional programs such as Visa Airport Companion Europe (up to 25% discounts at airport retailers), Visa lottery campaigns (e.g., for Olympic Games, Żabka promotions), and cashback offers. The Visa cash back feature allows cash withdrawals at stores up to 300 zł.
• Bankowy Fundusz Gwarancyjny (BFG)coreOthersDeposits held at SKOK Ziemi Rybnickiej are protected by the Bank Guarantee Fund (BFG) on the same terms as bank deposits, since November 29, 2013. Protection covers up to the equivalent of 100,000 euros per depositor per entity, including accrued interest. Guaranteed payments begin within 7 business days.
• Komisja Nadzoru Finansowego (KNF)coreOthersSince October 27, 2012, SKOKs operate under the supervision of the Financial Supervision Commission (KNF). KNF ensures financial stability of SKOKs, proper conduct of financial activities, security of deposited funds, and compliance with the Act on Cooperative Savings and Credit Funds.
• Stowarzyszenie na Rzecz Wspierania Rozwoju SKOKcoreOthersAll members must simultaneously join the 'Association for Supporting Development of Cooperative Savings and Credit Funds' as a condition of membership. Members pay a 12 zł annual membership fee to this association.
• Kopalnia Węgla Kamiennego Dębieńsko (formerly)minorOthersSKOK Ziemi Rybnickiej was originally established in 1993 at the Dębieńsko coal mine in Czerwionka-Leszczyny. A cooperation agreement was signed with the mine's directorate on November 17, 1993. After the mine's liquidation, the SKOK adapted its business model to become a multi-branch institution.
• Google PaycoreTechnology or IntegrationSKOK's Visa cards are compatible with Google Pay for contactless mobile payments in Poland and internationally. Additionally, Visa in GPay for teenagers enables young cardholders (from age 13) to add their card to Google Wallet and make payments. The partnership enables mobile payments at any contactless terminal.
• Hotel GołębiewskiminorOthersSKOK partnered with Hotel Gołębiewski for SALTUS Ubezpieczenia's 30th anniversary contest. The main prize was a weekend stay for 2 persons at one of the Gołębiewski hotels.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kasa Stefczyka (SKOK im. Franciszka Stefczyka): Largest cooperative savings and credit union in Poland with millions of members nationwide; operates the same SKOK cooperative model with deposits, loans, and member-owned governance, making it the most direct structural peer to SKOK Ziemi Rybnickiej.
• SKOK Pionier: Polish cooperative savings institution providing member-owned banking services including personal accounts, deposits, and consumer loans; competes in the same SKOK ecosystem and regulatory environment under KNF/BFG oversight.
• SKOK Centrum: Cooperative savings and credit union in Poland offering deposit and loan products to members under the same cooperative model and regulatory framework, with similar community-led growth approach.
• SKOK Szopienice: Sister Polish cooperative savings institution in the Silesian region that is acquiring SKOK Ziemi Rybnickiej effective 2026; identical cooperative model, deposit and loan product mix, and regional Silesian footprint, making it the closest operational peer and integration partner.
• SKOK im. Fryderyka Chopina: Mid-sized Polish cooperative savings and credit union offering deposits, loans, and member-owned banking services under the same SKOK framework, directly comparable to SKOK Ziemi Rybnickiej in product mix and target member segments.
• Bank Spółdzielczy (Polish Cooperative Banks): Network of member-owned cooperative banks in Poland offering local deposit and loan services under a parallel cooperative framework; represent the closest banking-model analogue to SKOKs in the Polish market.

Broad incumbents

• Credit Agricole Bank Polska: Universal retail bank in Poland offering consumer loans, mortgages, savings, and digital banking; competes for the same individuals and households in southern Poland that SKOK Ziemi Rybnickiej serves.
• ING Bank Śląski: Major Polish retail bank with strong presence in Silesia, offering consumer loans, mortgages, deposits, and digital banking; directly overlaps SKOK Ziemi Rybnickiej's core product set and Silesian customer base.
• Bank Pocztowy: Mid-sized Polish retail bank historically focused on financial inclusion and underserved customers; occupies a similar value proposition to SKOK Ziemi Rybnickiej by serving individuals and small communities outside the largest urban centers.
• PKO Bank Polski: Largest universal bank in Poland and a dominant retail banking incumbent; competes with SKOK Ziemi Rybnickiej for the same deposit, consumer loan, and mortgage customers in the Silesian region and across Poland.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/SkokZiemiRybnickiej
• LinkedInlinkedin.com/company/skok-ziemi-rybnickiej

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 SKOK Ziemi Rybnickiej