Updated October 13, 2026 · VaultCue Editorial Team
Kaspi.kz vs PKO Bank Polski
Kaspi.kz
PKO Bank Polski
Higher score in this comparison
Where Kaspi.kz and PKO Bank Polski differ
| Compare | Kaspi.kzReviewSee alternativesSee alternatives | PKO Bank PolskiReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | KZT 0 | PLN 0 |
| Transfer fee | Free to other Kaspi clients | 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 |
| Currency conversion fee | Not confirmed | 0% |
| Currencies | Not confirmed | 10 |
| Local account details | Not confirmed | IBAN |
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Key differences
- Audience: only Kaspi.kz offers Teen, Business.
- Audience: only PKO Bank Polski offers Expats.
- Features: only Kaspi.kz offers Digital only.
Our verdict on each
Kaspi.kz
Kaspi.kz stands apart from counter based everyday accounts by centring everyday money around a mobile app with QR transfers. It is an easy-access account option for people who want phone based management and straightforward person to person payments for daily use.
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 | Kaspi.kz | PKO Bank Polski |
|---|---|---|
| Cost | Not confirmed | 9.4Monthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. |
| Offer | 9.2 | 9.2Savings headline rate 4%, variable, 10 currencies and iban local details. |
| Trust | 9.0 | Not confirmed |
How they place
| Ranking | Kaspi.kz | PKO Bank Polski |
|---|---|---|
| Savings accounts | 1032 of 1420 | 156 of 1420 |
| Money transfer services | 943 of 1564 | 120 of 1564 |
Every fact side by side
| Fact | Kaspi.kz | PKO Bank Polski |
|---|---|---|
| Audience | Teen, Business | Expats |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital onlyCovers more | Free ATM |
| Legal entity | Kaspi Bank JSC | PKO Bank Polski Spółka Akcyjna |
| Headquarters | Kazakhstan | Poland |
| Founded | 2002 | Not confirmed |
| Support channels | Phone, Chat, Help centre | Chat, Phone, Help centre |
Savings
| Fact | Kaspi.kz | PKO Bank Polski |
|---|---|---|
| Headline rate | 15%Higher | 4% |
| Rate type | Variable | Variable |
| Minimum deposit | KZT 1,000 | Not confirmed |
| Access terms | Top up any amount at any time; partial withdrawal any time without loss of interest | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | Kaspi.kz | PKO Bank Polski |
|---|---|---|
| Delivery time | Instant for P2P transfers via the mobile app and QR | Immediate between own accounts |
| Payout methods | Bank, Card, WalletCovers more | Bank |
| Fee to send 1,000 | KZT 0 | PLN 0 |
Where each stands against the rest
| Fact | Kaspi.kz | PKO Bank Polski | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0%below the median | 0.5% |
| Currencies | Not confirmed | 10above the median | 5 |
Median across 536 listed accounts.
Pros and cons
Kaspi.kz
Pros
- Easy-access structure that keeps everyday money ready for daily spending needs
- Mobile app centred access with QR route for person to person transfers
- Instant handling of person to person transfers for everyday payment moments
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
Kaspi.kz
Who it suits
- People who prefer app based account management
- People who make frequent person to person payments
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 | Kaspi.kz | PKO Bank Polski |
|---|---|---|
| Kazakhstan | Yes | No |
| Poland | No | Yes |
Questions about each
Kaspi.kz
What kind of account does Kaspi.kz provide?+
Kaspi.kz provides an easy-access everyday account that you manage through a mobile app. You can use it for daily money and person to person transfers with a QR option. Check how access and daily use fit your routine before you choose.
Who might consider this account?+
People who like managing money by phone may consider this option. It suits daily spending and sending money to other people through the app. Consider whether app based management matches how you handle money each day.
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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Kaspi.kz
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