ZACHODNIOPOMORSKA SKOK

What ZACHODNIOPOMORSKA SKOK does

Zachodniopomorska SKOK (legal name: Zachodniopomorska Spółdzielcza Kasa Oszczędnościowo-Kredytowa) is a Polish cooperative savings and credit union headquartered at ul. Czorsztyńska 17, Szczecin, founded in 1993 in the community of workers and retirees of the Szczecin Shipyard. It now operates 28 branches across three voivodeships in western Poland (zachodniopomorskie, lubuskie, dolnośląskie) and serves roughly 28,500 members, holding a regulated deposit-taking and lending licence under the Komisja Nadzoru Finansowego (KNF) and participating in the Bankowy Fundusz Gwarancyjny (BFG) deposit guarantee scheme. The institution does not operate proprietary technology platforms; service delivery is built on traditional branch-based operations supplemented by a basic online loan origination portal at online.zskok.pl.

The product set spans member loans (PLN 1,000 to PLN 500,000 across cash loans, consolidation loans, mortgage loans with LTV caps of 60-80%, a same-day starter loan, and a birthday-month micro-loan), savings and settlement accounts (ROR with a PLN 4/month fee and 0.05% interest, fixed and variable term deposits up to 2.00% p.a., and a mandatory savings plan 'IKS Standard'), and insurance intermediation acting as registered agent for UNIQA (life and P&C) and Vienna Life (borrower life cover). Loans and savings are priced on standard Polish credit union economics, with interest margins on credit (representative RRSO ranges from 6.71% on mortgages to 28.36% on birthday loans) supplemented by preparation fees (typically PLN 35) and commissions.

The business model is cooperative and member-owned: members pay a PLN 10 entry fee, purchase one PLN 65 share, and pay a PLN 1 membership fee to access services. Revenue is generated primarily through net interest income on loans plus recurring ROR fees and insurance commissions; the go-to-market is a community-led, branch-centric motion reinforced by accessibility commitments (Polish Sign Language, Braille, audio, large print, wheelchair access). Deposit protection to EUR 100,000 under BFG and regulatory oversight by KNF form the trust scaffolding around a regional retail finance proposition rooted in self-help cooperative principles.

Name

ZACHODNIOPOMORSKA SKOK

Legal name

Zachodniopomorska Spółdzielcza Kasa Oszczędnościowo-Kredytowa

Website

https://zskok.pl

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Zachodniopomorska SKOK is a Polish cooperative savings and credit union founded in 1993 and headquartered in Szczecin, serving roughly 28,500 members through 28 branches across three western voivodeships with loans, deposits, and insurance intermediation.

Ownership category

akta.pro rank

Headquarters

HQ city

Szczecin

HQ country

Poland

HQ region

Europe

Offices29 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan interest income: The primary revenue stream is interest income from loans and credits extended to members, including cash loans, consolidation loans, mortgage loans, and overdraft lines on ROR accounts. Interest rates vary by product (e.g., 9.99% fixed for starter loans, 10.5% fixed for consolidation loans, variable rate for mortgages based on WIBOR 3M + margin).
2. Insurance intermediation commissions: SKOK acts as an insurance agent (registered agent number 11131376/A) for UNIQA and Vienna Life, earning commissions on insurance policies sold alongside loan products. Policies include life insurance for borrowers and property insurance for mortgage-backed loans.
3. ROR account fees: Monthly account maintenance fee of 4.00 PLN for ROR (savings and settlement account). Interest accrues on deposited funds at 0.05% annually.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Zachodniopomorska SKOK is a Polish cooperative savings and credit union (SKOK) that sells consumer loans (cash loans, consolidation loans, mortgage loans, secured home loans, and a birthday loan), savings deposits (fixed-rate and systematic term deposits), an ROR savings and settlement account, and insurance intermediation services (life and property insurance underwritten by UNIQA and Vienna Life) to its members. All services are reserved for members of the cooperative and distributed through 28 physical branches and an online loan application portal in western Poland.

Differentiator

Problem solved

Functional benefit

Products and services

• Consolidation Loan (Pożyczka Konsolidacyjna) A consumer loan from 20,000 PLN with 13–120 month repayment, fixed 10.50% interest for up to 48 months (variable thereafter), no commission (0%), and a 35 PLN preparation fee. Used by cooperative members to consolidate multiple external loans, credit cards, and debits into a single monthly payment.
• Starter Loan (Pożyczka na Dzień Dobry) A first-time member entry loan of 1,000–10,000 PLN with 13–48 month repayment, 9.99% fixed interest, 2% commission, and 35 PLN preparation fee. Designed for newly joining cooperative members who need initial access to credit with quick, same-day disbursement.
• Mortgage Loan (Kredyt Hipoteczny) A secured mortgage loan of 90,000–500,000 PLN with 60–300 month repayment, variable interest (WIBOR 3M + 1.5%–2.5% margin), zero preparation fee, 1% commission, and an 80% LtV cap. Designed for members purchasing residential property on the secondary market, subject to 12+ months of cooperative relationship and age 25–75.
• Secured Home Loan (Hipoteczna Pożyczka) A property-secured consumer loan of 90,000–300,000 PLN with 60–180 month repayment, variable interest (WIBOR 3M + 2.5% margin), zero preparation fee, and a 60% LtV cap. Available to qualifying members for property-secured personal borrowing.
• Birthday Loan (Pożyczka Urodzinowa) A short-term consumer loan of up to 2,000 PLN with 7–12 month repayment, 10% fixed interest, 6% commission, and 35 PLN preparation fee. Available only to cooperative members during their birthday month.
• Savings Deposits (Lokaty) Fixed-rate term deposits for 3/6/12 months at 2.00% p.a. and variable-rate deposits for 3/6/12 months at 0.30% p.a., plus systematic savings products at 0.40% p.a. (6-month) and 0.50% p.a. (12-month). Available to cooperative members with BFG-guaranteed deposit protection up to 100,000 EUR.
• ROR Account (Savings and Settlement Account) A savings and settlement account for cooperative members with a 4.00 PLN monthly maintenance fee, 0.05% p.a. annual interest with annual capitalization, an integrated overdraft line (Linia pożyczkowa) at 7.2% p.a., and optional IKS Standard systematic savings at 0.5% p.a. variable with mandatory monthly contributions of 2% of gross salary or 25 PLN fixed.
• Insurance Intermediation (UNIQA and Vienna Life products) Insurance intermediation services covering life insurance for borrowers (sum insured up to 4,000,000 PLN for death and 100,000 PLN for disability under UNIQA, and 150,000 PLN / 100,000 PLN under Vienna Life), property insurance for mortgage-backed loans, and a full range of personal, motor, travel, agricultural, and business insurance products across ministerial groups 1–18. SKOK earns commissions on policies sold alongside loans.

Quantifiable outcome

• Same-day loan disbursement for qualifying applicants
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• UNIQA Towarzystwo Ubezpieczeń na Życie S.A.coreOthersSKOK acts as a registered insurance agent (agent registration no. 11131376/A) for UNIQA Towarzystwo Ubezpieczeń na Życie S.A., offering life insurance products including individual life insurance for borrowers (zgon Ubezpieczonego), term life insurance, permanent total disability insurance, and permanent disability coverage with sums insured up to 4,000,000 PLN for death and 100,000 PLN for disability. Insurance products are bundled with loan offerings.
• UNIQA Towarzystwo Ubezpieczeń S.A.coreOthersSKOK acts as a registered insurance agent for UNIQA Towarzpieczeń S.A., offering property and casualty, personal, motor, travel, agricultural, and business insurance products across ministerial groups 1–18 under Polish insurance law.
• VIENNA LIFE Towarzystwo Ubezpieczeń na Życie S.A.coreOthersSKOK acts as a registered insurance agent for Vienna Life, offering life insurance products including individual life insurance for borrowers (pożyczkobiorcy) with death coverage sum of 150,000 PLN and permanent total disability coverage of 100,000 PLN. Insurance is offered as a bundled product with loan products.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Bank Spółdzielczy (cooperative bank network): Poland's nationwide network of cooperative banks offers the same member-owned deposit-taking and small-ticket lending products to Polish consumers as Zachodniopomorska SKOK, often competing in the same voivodeships.
• Kasa Stefczyka (SKOK im. Franciszka Stefczyka): One of the largest Polish cooperative savings and credit unions (SKOKs), operating nationally under the same SKOK regulatory framework as Zachodniopomorska SKOK. Most direct comparable for product mix, deposit-taking and lending model.
• SKOK Centrum: Polish SKOK providing personal loans, mortgages, and savings to member-depositors under KNF-regulated cooperative law. Directly comparable operating model and product suite.
• SKOK Piast: A large Polish SKOK offering deposits, loans, and member-owned cooperative services under KNF supervision. Closely comparable business model and regulatory positioning to Zachodniopomorska SKOK.
• Spółdzielcza Grupa Bankowa (SGB-Bank / SGB Group): Banking association of Polish cooperative banks (Banki Spółdzielcze), through which member banks offer deposit and lending products comparable to those of Zachodniopomorska SKOK. Closely overlapping cooperative savings-and-loan franchise.

Broad incumbents

• PKO Bank Polski: Largest Polish universal bank with extensive retail, mortgage, and savings offerings - competes head-to-head with Zachodnioporska SKOK on consumer deposits and mortgages across the same Polish retail market.
• ING Bank Śląski: Large universal bank with strong Polish retail and mortgage franchise, including Kredyt Gotówkowy cash loans and savings products that compete directly with Zachodniopomorska SKOK's offering.
• Bank Pekao SA: Major Polish universal bank with full retail and mortgage lending book across Poland; overlaps substantially with Zachodniopomorska SKOK in consumer credit and savings accounts.
• Credit Agricole Bank Polska: One of Poland's leading universal banks with retail deposit and consumer lending products (mortgages, cash loans) directly competing with Zachodniopomorska SKOK for the same Polish retail customers.

Emerging players

• Aion Bank (dostępni.pl / Aion Poland consumer lending): Digital-first Polish consumer lender focused on cash loans and savings accounts via mobile channels. Represents the fintech/digital channel pressure facing Zachodniopomorska SKOK's branch-led model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/?lang=pl
• YouTubeyoutube.com/?gl=PL&hl=pl
• Facebookfacebook.com/zachodnipomorksaSKOK
• LinkedInlinkedin.com/company/zachodniopomorska-skok

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 ZACHODNIOPOMORSKA SKOK