Santander Bank Polska Initiatives and Customer Expectations

Santander Bank Polska has been actively working to meet the evolving needs of its customers through various initiatives. One such initiative is the bank's focus on digital transformation, which has enabled customers to manage their finances and access services more efficiently.

Santander Bank Polska has invested heavily in digital channels, including online banking and mobile banking apps. This has allowed customers to perform tasks such as checking account balances, making payments, and transferring funds from the comfort of their own homes.

The bank's commitment to digital transformation has been driven by customer expectations for convenience and ease of use. By providing customers with a range of digital channels, Santander Bank Polska has been able to meet this demand and improve customer satisfaction.

Santander Bank Polska has a rich history that spans over two decades. The bank's roots date back to 1995 when Allied Irish Banks acquired 16.2% of shares in Wielkopolski Bank Kredytowy from the State Treasury.

The bank's name changed several times over the years. In 1999, Allied Irish Banks acquired a controlling stake in Bank Zachodni. On 13 June 2001, Bank Zachodni WBK was established.

Bank Zachodni WBK's shares were floated on the Warsaw Stock Exchange in June 2001. This marked a significant milestone in the bank's history, allowing it to raise capital and expand its operations.

In 2010, Allied Irish Banks announced its intention to sell its stake in Bank Zachodni WBK S.A. The buyer was revealed to be the Spanish group Santander, which acquired 70.36% of shares worth EUR 3.1 billion.

Santander's acquisition of Bank Zachodni WBK S.A. was completed in 2011, with the company taking up 95.67% of its stake. This marked a significant shift in the bank's ownership and direction.

In 2012, the Santander Group acquired Kredyt Bank from Belgian KBC Bank. The two Polish banks merged, with Bank Zachodni WBK S.A. becoming the legal successor of Kredyt Bank.

On 7 September 2018, the bank was officially re-branded as Santander Bank Polska and its headquarters were transferred to Warsaw. This marked the final step in the bank's transformation under Santander's ownership.

Santander Bank Polska is a well-established financial institution in Poland. It's part of the Santander Group, which has a diverse range of businesses.

The bank has a significant presence in the country, with 526 branches located throughout Poland as of September 2018. This network of branches is complemented by partner locations, which offer selected products and services from Santander Bank Polska.

Santander Bank Polska's services are accessible through a wide network of ATMs and deposit machines. As of August 2018, the bank had 1724 ATMs and 798 deposit machines available to customers.

Here's a breakdown of the bank's subsidiaries and associated companies:

Santander Bank Polska has a large group of companies under its umbrella, known as Grupa Kapitałowa. This group includes companies that offer a wide range of services such as investment banking, asset management, investment funds, leasing, factoring, and bancassurance.

One of the key companies in this group is Santander Finanse sp. z o.o., which is a 100% subsidiary of Santander Bank Polska. Another important company is Santander Inwestycje sp. z o.o., also a 100% subsidiary.

Santander Consumer Bank is another significant company in the group, with Santander Bank Polska holding 60% of its shares. Santander Towarzystwo Funduszy Inwestycyjnych SA is also part of the group, with Santander Bank Polska owning 50% of its shares.

The group also includes companies that are associated with Santander Bank Polska through various agreements. These include POLFUND – Fundusz Poręczeń Kredytowych SA, which is a 50% subsidiary, and Santander Allianz Towarzystwo Ubezpieczeń na Życie SA and Santander Allianz Towarzystwo Ubezpieczeń SA, both of which have a 49% stake held by Santander Bank Polska.

Here's a list of the companies that are part of the Grupa Kapitałowa Santander Bank Polska:

Santander Bank Polska has a strong presence across Poland, with 526 branches located throughout the country as of September 7, 2018.

These branches are complemented by partner locations, which are run by individuals working with the bank under agency agreements and offer a selection of Santander Bank Polska's products and services.

The bank has a vast network of ATMs, with 1724 machines available to customers as of August 27, 2018.

Additionally, there are 798 deposit machines, also known as wpłatomaty, available to customers as of May 23, 2018.

Santander Select is an exclusive service offered by Santander Bank Polska for high-net-worth clients who value personalized advice and tailored financial services.

The service provides access to personal advisors who offer customized financial solutions based on individual needs and goals.

Klientom, którzy mają w banku oszczędności minimum 200 000 zł, Santander oferuje wsparcie certyfikowanego doradcy Select oraz specjalistyczną obsługę inwestycyjną.

To means that clients with savings of at least 200,000 zł in the bank can expect support from a certified Select advisor and specialized investment services.

Status Select przyznawany jest klientom, którzy mają oszczędności w banku na poziomie większym niż 150 tys. zł lub miesięczne wpływy na konto min. 10 tys. zł, lub 100 tys. zł ulokowane w funduszach inwestycyjnych.

This means that clients can earn the Select status if they have savings in the bank exceeding 150,000 zł, or monthly deposits of at least 10,000 zł, or 100,000 zł invested in investment funds.

Co ciekawe, bank przyznaje też, że obserwuje obniżanie się wieku klientów zamożnych w segmencie Select – przybywa klientów w wieku 18-44 lata z wpływami na konto powyżej 10 tys. zł.

Interestingly, the bank notes that it's observing a decrease in the age of wealthy clients in the Select segment, with more clients aged 18-44 years old having monthly deposits exceeding 10,000 zł.

Santander Bank Polska has a reputation for excellent customer service, with one reviewer praising the "nadzwyczaj profesionalna obsluga" (exceptionally professional service) they received from a representative in Kartuz.

Pan Krzysztof Glodowski, a representative from the Santander branch in Kartuz, went above and beyond to help a customer with their issue, earning a glowing review.

Renata Romanczak's experience with Santander Bank Polska was also overwhelmingly positive, with the bank's staff demonstrating a high level of commitment to customer satisfaction, even going so far as to contact her outside of work hours to resolve her issue.

In 2022, a bank in Poland faced a significant fine for violating data protection laws.

The President of the Office for Personal Data Protection imposed a fine of 545,000 zł on Santander Bank Polska for failing to notify affected individuals about a data breach in a timely manner.

This was a major mistake, as the bank allowed a former employee to access sensitive information about current employees.

The former employee logged into the bank's platform five times after leaving the company, gaining unauthorized access to employees' personal data.

This incident highlights the importance of proper data protection measures and timely notifications in the event of a data breach.

The bank's failure to prevent this access resulted in a significant fine, serving as a warning to other companies to prioritize data protection.

In the past few weeks, we've seen a significant increase in global tech stocks. The S&P 500 index has risen by 5% in just one month.

One of the key drivers behind this growth is the rise of electric vehicles, with Tesla's market value reaching a record high.

Some reviewers have expressed disappointment with a particular bank, stating it has become difficult to handle certain transactions, especially when it comes to sending money to cryptocurrency exchanges or receiving payments from certain countries like the Emirates.

One reviewer had a very different experience with a different bank, specifically mentioning a Pan Krzysztof Glodowski from the Santander branch in Kartuz, who provided exceptional service and helped resolve their issue promptly.

Other reviewers have praised the telephone customer service at a bank, describing it as a "majstersztyk" or a masterclass in customer service, with representatives willing to go above and beyond to satisfy customers, even outside of regular working hours.

Klienci oczekują od swoich banków prostej i wygodnej obsługi. Standard. Ale co zrobić, aby wyróżnić się na rynku?

Dzięki analizie danych, banki mogą oferować spersonalizowane produkty, co zwiększa satysfakcję użytkowników i lojalność wobec marki. Wielu banków próbuje to osiągnąć, ale tylko niektóre mają sukces.

Jednym z banków, który oferuje bankowość osobistą jest Santander Bank Polska z usługą Select. Pokazuje, co charakteryzuje tę ofertę skierowaną do klientów zamożnych.

Klienci zamożni oczekują indywidualnego podejścia i spersonalizowanej obsługi. To pozwala im na korzystanie z usług dostosowanych do ich potrzeb.