Banking services
Banks provide advisory services, selection of appropriate credits and loans. By having a bank account, an employee can receive his or her salary directly on it.
There are several major banks that are crucial to the country's economy and offer a wide range of financial services to individuals, businesses and institutions. Here is a general description of the activities of these financial institutions:
Services for Individual Customers
Poland's largest banks offer comprehensive services for individual customers, which include:
- Personal and Savings Accounts: Offer various types of personal accounts, including current and savings accounts, with access to online and mobile banking.
- Payment Cards: Provide a wide range of debit, credit and prepaid cards for convenient and secure transactions both at home and abroad.
- Loans and Credit: Offer mortgages, cash loans, consolidation loans and specialized loans, such as for car purchases and education.
- Investments and Savings: Offer a variety of investment products, such as mutual funds, term deposits and retirement savings programs (IKE/IKZE).
Services for Companies and Enterprises
Poland's largest banks also provide financial services for companies and businesses, including:
- Company Accounts: They offer specialized accounts for businesses that facilitate management of company finances and integration with accounting systems.
- Loans and Leasing: They offer investment loans, working capital loans, and operating and financial leases, supporting business development and the purchase of necessary fixed assets.
- Treasury and Capital Services: Provide support for liquidity management, trade finance and handling international transactions.
- Financial Advisory Services: Offer professional financial advice, including market analysis, investment strategies and financial planning assistance.
Services for Institutions and the Public Sector
These banks play an important role in providing financial services to public institutions and non-profit organizations, offering:
- Accounts for Institutions: Specialized bank accounts for local governments, schools, hospitals and other public institutions.
- Project Financing: Loans and advances for major investment projects, infrastructure projects and EU programs.
- Transaction Services: Payment management services, collection of checks and bills of exchange, and handling of bulk settlements.
- Advisory and Consulting: Professional advice on financing, public debt management and strategic planning.
Technology and Innovation
Poland's largest banks are also investing in cutting-edge technologies to improve the quality of services and security of transactions. Key areas include:
- Internet and Mobile Banking: They are developing advanced online financial management platforms that allow people to perform transactions, check balances and manage banking products from anywhere.
- Cyber Security: They are investing in security systems that protect customers from fraud and cyber attacks.
- Innovative Services: They are introducing innovative solutions such as contactless payments, mobile apps for budget management and blockchain technologies.
These banks play a key role in the stability and development of Poland's financial sector, offering a wide range of services tailored to the needs of different customers and supporting the country's economic development.
- The full list of banking entities can be found on the website of the state body: Financial Supervision Commission.
Insurance services
There are a number of large insurance companies that offer a wide range of insurance services to individuals, companies and institutions.
Here is a general description of the activities of these institutions:
Services for Individual Customers
Insurance companies offer a variety of insurance products, such as:
- Life Insurance: Policies that provide financial protection in the event of death, serious illness or disability.
- Health Insurance: Packages covering medical expenses, hospitalization and preventive health care.
- Property Insurance: Policies that protect real estate, automobiles and personal property against various risks, including theft and damage.
- Travel Insurance: Protection while traveling, including medical expenses abroad, loss of luggage and other unexpected events.
Services for Businesses
Insurance companies also offer services for businesses, including:
- Employee Insurance: Group life and health insurance programs for employees.
- Property and Industrial Insurance: Policies that protect company property, machinery, equipment and resources from damage and loss.
- Liability Insurance: Protection against claims related to company operations, including liability insurance for professionals and management.
- Transportation Insurance: Policies to protect goods and shipments during domestic and international transportation.
- The full list of insurance entities can be found on the website of the state body: Financial Supervision Commission.
