Question 1

What is Bank Spółdzielczy w Wartkowicach?

Accepted Answer

Bank Spółdzielczy w Wartkowicach is a local cooperative bank (bank spółdzielczy) operating in central Poland. As a member of the Spółdzielcza Grupa Bankowa (SGB) network, it serves the local community in and around Wartkowice, a village in Poddębice County, Łódź Voivodeship.

The bank operates as a universal retail and commercial banking institution, offering a comprehensive range of financial services to private individuals, business entities, farmers, and local authorities. It is regulated by the Polish Financial Supervision Authority (PFSA) and is part of Poland's cooperative banking sector, which has served local communities for over a century.

Question 2

When was Bank Spółdzielczy w Wartkowicach founded?

Accepted Answer

[Information not publicly available]. The bank received its current authorization from the Polish Financial Supervision Authority on November 29, 2019. Like many Polish cooperative banks, it likely has roots extending back several decades as part of Poland's long tradition of savings and lending cooperatives, which have operated in various forms since the 19th century.

Polish cooperative banks evolved through multiple organizational changes, particularly after Poland's independence and again after the systemic changes of 1989-1990, when cooperative banks gained full organizational autonomy.

Question 3

Where is Bank Spółdzielczy w Wartkowicach headquartered?

Accepted Answer

The bank is headquartered in Wartkowice, a village located in Poddębice County, in the Łódź Voivodeship (łódzkie) region of central Poland. Wartkowice lies approximately 10 kilometers north of Poddębice and 39 kilometers northwest of Łódź, the regional capital.

Question 4

Where does Bank Spółdzielczy w Wartkowicach operate?

Accepted Answer

Bank Spółdzielczy w Wartkowicach primarily operates in the local area of Wartkowice and the surrounding communities within Poddębice County in the Łódź Voivodeship. The bank's main office is located on Targowa Street in the center of Wartkowice, providing convenient access to residents of the village and neighboring areas.

As a local cooperative bank, it focuses on serving the financial needs of its immediate geographic community, maintaining close relationships with local residents, businesses, and organizations in the region.

Question 5

What services does Bank Spółdzielczy w Wartkowicach offer?

Accepted Answer

Bank Spółdzielczy w Wartkowicach offers a full range of retail and commercial banking services, including:

Personal Banking: Personal accounts, youth accounts, savings accounts, and deposits (lokaty). The bank provides debit and credit cards, including Mastercard products.

Lending Services: Consumer loans, car loans, consolidation loans, mortgages, and agricultural financing for local farmers.

Business Banking: Business accounts, company formation assistance, leasing services, and commercial lending for local enterprises.

Digital Services: As part of the SGB network, the bank provides access to SGB Mobile, a modern mobile banking application featuring BLIK payments, phone-to-phone transfers, mobile payments, digital wallets (including Xiaomi Pay), subscription management, and 3D Secure transaction protection. The bank also offers internet banking and ATM access.

Additional Services: Currency exchange, automatic highway toll payments (Autopay), and insurance products.

Question 6

What makes Bank Spółdzielczy w Wartkowicach unique?

Accepted Answer

Bank Spółdzielczy w Wartkowicach stands out for its deep commitment to local community development and its cooperative banking model. As a cooperative bank, it operates on principles of mutual assistance and member ownership, maintaining close ties with the local population it serves.

The bank combines traditional community banking values with modern digital solutions through its membership in the SGB network. This affiliation provides customers access to advanced mobile banking technology, including the SGB Mobile app with features like BLIK instant payments and digital wallets, while maintaining the personalized service of a local institution.

Its location in a small village allows it to understand and respond to the specific financial needs of rural and small-town communities, including agricultural financing and support for local businesses.

Question 7

What type of financial institution is Bank Spółdzielczy w Wartkowicach?

Accepted Answer

Bank Spółdzielczy w Wartkowicach is classified as a bank spółdzielczy (cooperative bank), which is a specific type of credit institution under Polish banking law. Cooperative banks are member-owned financial institutions that operate based on cooperative principles.

In the Polish banking system, cooperative banks are universal banks that provide both retail and commercial banking services. Bank Spółdzielczy w Wartkowicach is affiliated with SGB-Bank S.A. as its associating bank, one of two major cooperative banking groups in Poland (the other being Bank Polskiej Spółdzielczości).

The bank is protected by the Polish Bank Guarantee Fund (BFG - Bankowy Fundusz Gwarancyjny), which provides deposit insurance to customers.

Bank Spółdzielczy w Wartkowicach

in Poland 🇵🇱

Crypto-Friendliness

All done!

About Bank Spółdzielczy w Wartkowicach in Poland

Bank Spółdz­ielczy w Wartko­wicach