Updated October 13, 2026 · VaultCue Editorial Team
ABB Bank vs PKO Bank Polski
ABB Bank
PKO Bank Polski
Higher score in this comparison
Where ABB Bank and PKO Bank Polski differ
| Compare | ABB BankReviewSee alternativesSee alternatives | PKO Bank PolskiReviewSee alternativesSee alternatives |
|---|---|---|
| Currencies | 2 | 10Higher |
| Transfer fee | 0% on the first transfer under the current campaign; from 6 EUR for European countries, from 6 USD for the USA, 6 USD for the other listed countries, 7 USD for Japan | 0 zł for internal, standard and SEPA Standard foreign transfers in iPKO and the IKO app; 10 zł for standard or SEPA Standard foreign transfers to another account holder in a branch or by phone line |
| Monthly fee | Not confirmed | PLN 0 |
| Currency conversion fee | Not confirmed | 0% |
| Local account details | Not confirmed | IBAN |
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Key differences
- Currencies is higher at PKO Bank Polski: 10 vs 2.
- Support channels: only ABB Bank offers Email.
- Support channels: only PKO Bank Polski offers Chat.
- Pricing model: only ABB Bank offers Fixed rate.
- Pricing model: only PKO Bank Polski offers No monthly fee.
Our verdict on each
ABB Bank
ABB Bank is Azerbaijan's largest bank and provides cards, deposits, loans and money transfers alongside digital banking services. You can handle everyday balances, payments and savings through its mobile app if you live and bank in Azerbaijan.
PKO Bank Polski
PKO Bank Polski pairs a monthly fee of PLN 0 with a currency conversion fee of 0%, so the everyday costs sit at the floor. It suits expats and Polish residents who want an easy-access account with local IBAN details, a variable savings rate and free ATM withdrawals.
Score breakdown
| Area | ABB Bank | PKO Bank Polski |
|---|---|---|
| Cost | Not confirmed | 9.4Monthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. |
| Offer | 8.8 | 9.2HigherSavings headline rate 4%, variable, 10 currencies and iban local details. |
| Trust | 9.3 | Not confirmed |
How they place
| Ranking | ABB Bank | PKO Bank Polski |
|---|---|---|
| Savings accounts | 615 of 1420 | 156 of 1420 |
| Money transfer services | 482 of 1564 | 120 of 1564 |
Every fact side by side
| Fact | ABB Bank | PKO Bank Polski |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Fixed rate | No monthly fee |
| Features | Not confirmed | Free ATM |
| Legal entity | ABB Open Joint-Stock Company (Azerbaijan Beynexalq Banki) | PKO Bank Polski Spółka Akcyjna |
| Headquarters | Azerbaijan | Poland |
| Founded | 1992 | Not confirmed |
| Support channels | Phone, Email, Help centre | Chat, Phone, Help centre |
Savings
| Fact | ABB Bank | PKO Bank Polski |
|---|---|---|
| Headline rate | 10.5%Higher | 4% |
| Rate type | Fixed | Variable |
| Term | 3 to 36 months | Not confirmed |
| Minimum deposit | AZN 500 | Not confirmed |
| Access terms | 3-36 month term, AZN or USD; interest paid monthly or at maturity; deposits over AZN 1,000,000 equivalent priced individually; deposits insured | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge |
| Account kind | Fixed | Easy access |
Money transfer
| Fact | ABB Bank | PKO Bank Polski |
|---|---|---|
| Delivery time | Instantly or within a short period | Immediate between own accounts |
| Payout methods | Bank | Bank |
| Fee to send 1,000 | $6 to $7 | PLN 0 |
Where each stands against the rest
| Fact | ABB Bank | PKO Bank Polski | Median |
|---|---|---|---|
| Monthly fee | Not confirmed | PLN 0at the median | PLN 0 |
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | 2lowest quarter | 10above the median | 5 |
Median across 536 listed accounts.
Pros and cons
ABB Bank
Pros
- Combines cards, deposits, loans and transfers in one bank
- Allows online opening of savings accounts through the mobile app
- Provides digital and physical cards for everyday payments
Cons
- Everyday banking focus stays centred on Azerbaijan and local needs
- Many useful everyday features depend on using the mobile app
PKO Bank Polski
Pros
- Monthly fee PLN 0 and a currency conversion fee of 0% on everyday and foreign transfers.
- The savings headline rate is 4% on an easy access account, with interest capitalised monthly.
- Transfers between own accounts are Immediate between own accounts, and the local account details are iban.
Cons
- Only 10 currencies, ranking 103 of 379.
- Foreign transfers to another account holder cost more in a branch or by phone line than the PLN 0 charged in the app.
- The 4% headline sits on a variable rate, so it can move.
Who each suits
ABB Bank
Who it suits
- People handling daily spending and saving in Azerbaijan
- Families wanting card-linked profiles for children
Who should look elsewhere
- People seeking everyday banking outside Azerbaijan
PKO Bank Polski
Who it suits
- Expats and residents in Poland who want an easy access account with iban details.
- Savers happy with a variable rate and interest capitalised monthly.
- People who send money abroad but need only 10 currencies.
Who should look elsewhere
- PayPal Colombia, whose monthly fee is $0, suits a wallet rather than a Polish bank account.
- Skrill, whose monthly fee is €0, suits readers who want wallet balances.
- eToro, whose monthly fee is £0, suits balances held on an investment platform.
Current offers
PKO Bank Polski
Current offer
Bonus
Do 600 zł z PKO Kontem za Zero (Letni Bonus): up to 600 zł
Open PKO Konto za Zero online with a Visa card, enter code LATO and meet the remaining terms of the 'Letni Bonus' promotion
Source, checked September 26, 2026
Bonus
Do 600 zł do sklepu Samsung (Rabat w górę): up to 600 zł
Open PKO Konto za Zero online and meet the terms of the 'Rabat w górę' promotion
Source, checked September 26, 2026
Bonus
Nawet 1200 zł zwrotu za zakupy na Allegro (Allegro Klik): cashback up to 3%, max 100 zł per month, up to 1200 zł
Open a personal account, link it to an Allegro account and activate Allegro Klik; cashback paid for purchases made with Allegro Klik
Source, checked September 26, 2026
Country by country
| Country | ABB Bank | PKO Bank Polski |
|---|---|---|
| Poland | No | Yes |
Questions about each
ABB Bank
What products does ABB Bank cover?+
ABB Bank covers cards, deposits, loans and money transfers alongside digital banking services. You can use these products for everyday spending, saving and sending money. Online applications are available for several services.
Where does ABB Bank focus its services?+
ABB Bank serves people and businesses with banking needs in Azerbaijan. Its services include personal accounts, business services and digital banking. The offer reflects local everyday banking rather than international banking.
PKO Bank Polski
What does it cost to keep an account here?+
The monthly fee is PLN 0 on the everyday account, so keeping it open carries no standing charge. Interest on the linked savings side is a separate matter, paid at a 4% headline rate that can move.
Is there a charge for converting currency?+
The currency conversion fee is 0% in the app, which places PKO Bank Polski at 1 of 312 brands on that measure, well under the site median of 0.5%. Transfers between own accounts are Immediate between own accounts.
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ABB Bank
PKO Bank Polski