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Updated September 28, 2026 · VaultCue Editorial Team

N26 vs PKO Bank Polski

N26 scores 9.1 and PKO Bank Polski 9.3 out of 10. Compare their differences and shared features below.
N26

N26

9.1/10
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PKO Bank Polski

PKO Bank Polski

Higher score in this comparison

9.3/10
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What sets them apart

N26 vs PKO Bank Polski
CompareN26N26ReviewVisitVisitPKO Bank PolskiPKO Bank PolskiReviewSee alternativesSee alternatives
Monthly fee€0PLN 0
Currenciesfrom 3510
Transfer feeFree: no extra charge for Wise-powered international transfers; MoneyBeam domestic transfers free0 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
Deposit protectionEU DGS up to EUR 100,000Not confirmed
Free ATM withdrawals€2Not confirmed

Same on both: Currency conversion fee (0%), Local account details (IBAN).

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

  • PKO Bank Polski scores higher overall: 9.3 vs 9.1.
  • N26 is available in 20 more countries.
  • Support channels: only N26 offers Email.
  • Audience: only N26 offers Travelers, Student, Teen.
  • Pricing model: only N26 offers Low FX.
  • Features: only N26 offers Joint account, Digital only.

Our verdict on each

N26

N26 suits people who want banking costs to stay flat and who move money across currencies often: the monthly fee is €0 and the currency conversion fee is 0%. It is aimed at expats, travelers, students and teens, and savings sit alongside the everyday account.

Read the full N26 review

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.

Read the full PKO Bank Polski review

Score breakdown

N26 vs PKO Bank Polski
AreaN26PKO Bank Polski
Cost9.4Fees of €0 monthly and 0% to convert sit at position 1 of 500 and 1 of 312.9.4Monthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion.
Offer9.5HigherAimed at expats, travelers and student, holding from 35 currencies, with a joint account, digital-only service and easy-access savings.9.2Savings headline rate 4%, variable, 10 currencies and iban local details.
Trust8.5Not confirmed

How they place

N26 vs PKO Bank Polski
RankingN26PKO Bank Polski
Savings accounts22 of 1420156 of 1420
Money transfer services11 of 1564120 of 1564

Every fact side by side

N26 vs PKO Bank Polski
FactN26PKO Bank Polski
AudienceExpats, Travelers, Student, TeenCovers moreExpats
Pricing modelNo monthly fee, Low FXCovers moreNo monthly fee
FeaturesFree ATM, Joint account, Digital onlyCovers moreFree ATM
Legal entityN26 Bank SEPKO Bank Polski Spółka Akcyjna
HeadquartersGermanyPoland
Founded2013Not confirmed
Support channelsEmail, Chat, Phone, Help centreCovers moreChat, Phone, Help centre

Savings

N26 vs PKO Bank Polski
FactN26PKO Bank Polski
Headline rate0.3% to 1.5%4%Higher
Rate typeVariableVariable
Access terms100% flexible: deposit and withdraw any amount, whenever you wantInterest capitalised monthly, first monthly transfer out and branch withdrawals free of charge
Account kindEasy accessEasy access

Money transfer

N26 vs PKO Bank Polski
FactN26PKO Bank Polski
Exchange rate markup0%Not confirmed
Delivery timeInstant to 1 business dayImmediate between own accounts
Payout methodsBank, CardCovers moreBank
Fee to send 1,000€0PLN 0

Where each stands against the rest

N26 vs PKO Bank Polski
FactN26PKO Bank PolskiMedian
Currency conversion fee0%below the median0%below the median0.5%
Currenciesfrom 35highest quarter10above the median5
Free ATM withdrawals€2above the medianNot confirmed€1

Median across 536 listed accounts.

Pros and cons

N26

Pros

  • Deposits are protected through EU DGS up to EUR 100,000, with N26 Bank SE supervised by BaFin in Germany.
  • The savings pot is easy access and fully flexible, so deposits and withdrawals happen in any amount, whenever you want.
  • Support is broad for an app-based bank, running on email, chat and phone.

Cons

  • The savings rate is variable and sits at 0.3% to 1.5%, below the 3% median across savings accounts on the site.
  • Local payment details run on iban, so UK sort codes and US ACH numbers are not part of the standard setup.

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

N26

Who it suits

  • Expats, travelers, students and teens who want spending and savings in the same app, with from 35 currencies to hold.
  • Readers who move money across borders, since transfers arrive in Instant to 1 business day and pay out to a bank account or a card.

Who should look elsewhere

  • Pixpay FR, because its monthly fee of €3.99 suits readers who will put regular use through the account rather than those who want a fee-free everyday account.
  • bunq Spain Bank Account, because a currency conversion fee of 3% suits readers banking mainly in euros and converting rarely.

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

N26

Current offer

  • Bonus

    1% travel cashback: 1% cashback for up to 12 months on qualifying Mastercard transactions outside the EEA, Switzerland and the UK

    N26 Go and Metal customers only; enrolment required via in-app message, email or push notification; up to 12 months

    Source, checked September 26, 2026

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

N26 vs PKO Bank Polski
CountryN26PKO Bank Polski
AustriaYesNo
BelgiumYesNo
DenmarkYesNo
EstoniaYesNo
FinlandYesNo
FranceYesNo
GermanyYesNo
GreeceYesNo

8 of 21 countries where either is available.

Questions about each

N26

What does N26 cost to keep open each month?+

The everyday account is free to run: the monthly fee is €0, and N26 sits at position 1 of 500 brands on that column. Spending, savings and support all sit in the same app, so holding the account costs nothing to maintain.

How much does it cost to convert or send money abroad?+

Foreign currency conversion costs 0%, and the exchange rate margin is 0%. The transfer fee is free: no extra charge is added to Wise-powered international transfers, and MoneyBeam domestic transfers are free. That keeps the cost of moving money abroad close to nothing.

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

N26

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PKO Bank Polski

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