Updated September 28, 2026 · VaultCue Editorial Team
Nequi vs PKO Bank Polski
Nequi
PKO Bank Polski
Higher score in this comparison
What sets them apart
| Compare | NequiReviewSee alternativesSee alternatives | PKO Bank PolskiReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | COP 0 | PLN 0 |
| Currency conversion fee | 3% | 0%Lower |
| Currencies | 2 | 10Higher |
| Transfer fee | Free (GRATIS) to send to Nequi or Bancolombia accounts/deposits, to other banks via ACH, and by QR | 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 |
| Local account details | Not confirmed | IBAN |
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Key differences
- PKO Bank Polski scores higher overall: 9.3 vs 8.5.
- Currency conversion fee is lower at PKO Bank Polski: 0% vs 3%.
- Currencies is higher at PKO Bank Polski: 10 vs 2.
- Support channels: only Nequi offers Community.
- Audience: only Nequi offers Teen, Business, Freelancer.
- Audience: only PKO Bank Polski offers Expats.
Our verdict on each
Nequi
Nequi suits Colombian adults who want everyday spending and an insured savings balance in a single free account, not readers who need a long currency list. The monthly fee is COP 0, and currency conversion at 3% is the only charge that adds up.
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 | Nequi | PKO Bank Polski |
|---|---|---|
| Cost | 8.2The monthly fee is COP 0 and transfers are free, but conversion at 3% is well above the everyday-accounts median 0.22%. | 9.4HigherMonthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. |
| Offer | 9.1 | 9.2HigherSavings headline rate 4%, variable, 10 currencies and iban local details. |
| Trust | 8.4 | Not confirmed |
Spending 1,000 abroad
Nequi
30
3% of 1,000
PKO Bank Polski
0
0% of 1,000
PKO Bank Polski comes out 30 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | Nequi | PKO Bank Polski |
|---|---|---|
| Savings accounts | 582 of 1420 | 156 of 1420 |
| Money transfer services | 446 of 1564 | 120 of 1564 |
Licences and countries
| Country | Nequi | PKO Bank Polski |
|---|---|---|
| Colombia | Not confirmed |
Additional countries for Nequi: 1. Additional countries for PKO Bank Polski: 1.
Every fact side by side
| Fact | Nequi | PKO Bank Polski |
|---|---|---|
| Audience | Teen, Business, Freelancer | Expats |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Free ATM |
| Legal entity | Nequi S.A. Compania de Financiamiento | PKO Bank Polski Spółka Akcyjna |
| Headquarters | Colombia | Poland |
| Founded | 2015 | Not confirmed |
| Support channels | Phone, Chat, Help centre, CommunityCovers more | Chat, Phone, Help centre |
Money transfer
| Fact | Nequi | PKO Bank Polski |
|---|---|---|
| Exchange rate markup | 3% | Not confirmed |
| Delivery time | Within 24 hours | Immediate between own accounts |
| Payout methods | Bank, Cash pickup, WalletCovers more | Bank |
| Fee to send 1,000 | COP 0 | PLN 0 |
Savings
| Fact | Nequi | PKO Bank Polski |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Variable | Variable |
| Access terms | Nequi savings account for Colombian natural persons over 18, unlimited balance and no transaction cap, one savings account per user, deposit insured by FOGAFIN | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge |
| Account kind | Easy access | Easy access |
Where each stands against the rest
| Fact | Nequi | PKO Bank Polski | Median |
|---|---|---|---|
| Currency conversion fee | 3%highest quarter | 0%below the median | 0.5% |
| Currencies | 2lowest quarter | 10above the median | 5 |
Median across 536 listed accounts.
Pros and cons
Nequi
Pros
- Deposits are insured by FOGAFAN, and the balance is unlimited with no transaction cap.
- The account kind is easy access and the savings rate is variable.
- Money can go to a bank, a cash pickup point or a wallet, per bank, cash pickup and wallet.
Cons
- Currency conversion costs 3% with a markup of 3%, above the everyday-accounts fee median of 0.22%.
- Only 2 currencies are supported, against an everyday-accounts median of 9.
- A single savings account per user, and only Colombian natural persons can open it.
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
Nequi
Who it suits
- Colombian adults who want savings and everyday spending in a single free account with insured deposits
- People in Nequi's core audience of teen, business and freelancer, from teens to freelancers
- Freelancers in Colombia who take payouts to a bank, a cash pickup point or a wallet, per bank, cash pickup and wallet
Who should look elsewhere
- Readers who hold many currencies: Nequi covers 2 and charges 3% to convert, so Skrill is the one to compare
- Anyone earning or saving in euros rather than pesos, since Plazo ES is priced in euros with a monthly fee of €0
- Readers who want a payment wallet rather than an insured savings balance, since PayPal Colombia also has a $0 monthly fee
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
Nequi
Current offer
Bonus
Tienda Virtual Nequi: Walaky cashback: Up to 7% money back
Devolucion de plata on digital purchases at Walaky through Tienda Virtual Nequi
Source, checked September 26, 2026
Bonus
Tienda Virtual Nequi: Clevercel cashback: Up to 4% cashback
Devolucion de plata on digital purchases at Clevercel through Tienda Virtual Nequi
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
| Country | Nequi | PKO Bank Polski |
|---|---|---|
| Colombia | Yes | No |
| Poland | No | Yes |
Questions about each
Nequi
What does Nequi cost to keep each month?+
The Nequi savings account carries a monthly fee of COP 0, so there is no standing charge for Colombian adults. Transfers to Nequi or Bancolombia accounts, to other Colombian banks by ACH and by QR are free, with a transfer fee of COP 0.
Is my money protected in a Nequi savings account?+
Deposits in the Nequi savings account are insured by FOGAFIN, and the account kind is easy access. The balance is unlimited with no transaction cap, and the account is open to Colombian natural persons with a single savings account per user.
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
Nequi
PKO Bank Polski