Updated September 28, 2026 · VaultCue Editorial Team
Chase UK vs PKO Bank Polski
Chase UK
Higher score in this comparison
PKO Bank Polski
What sets them apart
| Compare | Chase UKReviewSee alternativesSee alternatives | PKO Bank PolskiReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | £0 | PLN 0 |
| Deposit protection | FSCS up to GBP 85,000 | Not confirmed |
| Currencies | Not confirmed | 10 |
| Local account details | Not confirmed | IBAN |
| Transfer fee | Not confirmed | 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 |
Same on both: Currency conversion fee (0%).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Chase UK scores higher overall: 9.6 vs 9.3.
- Support channels: only Chase UK offers Email.
- Pricing model: only Chase UK offers Low FX.
- Features: only Chase UK offers Digital only, No credit check.
- Features: only PKO Bank Polski offers Free ATM.
Our verdict on each
Chase UK
Chase UK suits people who want a current account and savings in one app, with a monthly fee of £0 and a currency conversion fee of 0%. The saver pays 2.25% at a variable rate with easy access, and a Chase current account is required to hold it.
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 | Chase UK | PKO Bank Polski |
|---|---|---|
| Cost | 9.4Monthly fee of £0 and currency conversion fee of 0% rank first of 500 and 312 brands. | 9.4Monthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. |
| Offer | 9.8Higher | 9.2Savings headline rate 4%, variable, 10 currencies and iban local details. |
How they place
| Ranking | Chase UK | PKO Bank Polski |
|---|---|---|
| Savings accounts | 50 of 1420 | 156 of 1420 |
Every fact side by side
| Fact | Chase UK | PKO Bank Polski |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | No monthly fee, Low FXCovers more | No monthly fee |
| Features | Digital only, No credit check | Free ATM |
| Legal entity | J.P. Morgan Europe Limited | PKO Bank Polski Spółka Akcyjna |
| Headquarters | United Kingdom | Poland |
| Support channels | Chat, Phone, Email, Help centreCovers more | Chat, Phone, Help centre |
Savings
| Fact | Chase UK | PKO Bank Polski |
|---|---|---|
| Headline rate | 2.25% | 4%Higher |
| Rate type | Variable | Variable |
| Minimum deposit | £0 | Not confirmed |
| Access terms | Easy access; on-demand withdrawals, no notice period, up to 10 saver accounts, GBP 25,000 max daily external transfer; Chase current account required | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Chase UK | PKO Bank Polski |
|---|---|---|
| Delivery time | Not confirmed | Immediate between own accounts |
| Payout methods | Not confirmed | Bank |
| Fee to send 1,000 | Not confirmed | PLN 0 |
Where each stands against the rest
| Fact | Chase UK | PKO Bank Polski | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 0.5% |
| Currencies | Not confirmed | 10above the median | 5 |
Median across 536 listed accounts.
Pros and cons
Chase UK
Pros
- No monthly fee on the current account, at £0
- Currency conversion fee of 0%, first of 312 brands
- Savings pays 2.25% at a variable rate, variable, with easy access and no notice period
Cons
- The savings account needs a Chase current account, so it cannot stand alone
- The saver rate is variable, so it moves with the Bank Rate and is not locked in
- Support runs through chat, phone and email only, and the service is digital-only
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
Chase UK
Who it suits
- People in the UK who want one app for current account and savings
- Savers who want easy access rather than a fixed term
- Anyone who spends in other currencies and wants a low conversion fee
Who should look elsewhere
- Anyone wanting a standalone savings account, since a Chase current account is required
- Savers who want a fixed rate, since the rate is variable
- People who prefer in-person service, since the service is digital-only
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 | Chase UK | PKO Bank Polski |
|---|---|---|
| Poland | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Chase UK
What does Chase UK cost to run?+
The current account carries a monthly fee of £0, so day to day banking costs nothing in fees. The currency conversion fee is 0%, ranking first of 312 brands. There is no separate charge listed for the savings account either.
How is my money protected?+
Deposits sit under the FSCS up to GBP 85,000. The account is provided by J.P. Morgan Europe Limited, which is headquartered in the United Kingdom. The same legal entity backs both the current account and the saver, so that protection figure applies across the relationship.
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.
Other options to compare
Other matchups
Related by the facts
Chase UK
PKO Bank Polski