Updated September 28, 2026 · VaultCue Editorial Team
PagBank vs PKO Bank Polski
PagBank
PKO Bank Polski
Higher score in this comparison
PagBank vs PKO Bank Polski: the differences
| Compare | PagBankReviewVisitVisit | PKO Bank PolskiReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | R$0 to R$75 | PLN 0 |
| Currency conversion fee | 5% | 0%Lower |
| Transfer fee | Free (unlimited TED and Pix to any bank) | 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 |
| Currencies | Not confirmed | 10 |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | R$0 | Not confirmed |
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 8.9.
- Currency conversion fee is lower at PKO Bank Polski: 0% vs 5%.
- Support channels: only PagBank offers Email.
- Audience: only PagBank offers Business, Freelancer.
- Audience: only PKO Bank Polski offers Expats.
- Features: only PagBank offers Digital only, No credit check.
Our verdict on each
PagBank
PagBank suits Brazilian businesses and freelancers who want a free everyday account with instant Pix payouts and a savings option on the side.
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 | PagBank | PKO Bank Polski |
|---|---|---|
| Cost | 8.6Cost score rests on BRL 0 to BRL 75 monthly charges, BRL 0 for cash withdrawals and 5% for card conversion. | 9.4HigherMonthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. |
| Offer | 9.2Offer score rests on variable savings, Daily liquidity, redeem whenever you want and payouts to bank and wallet. | 9.2Savings headline rate 4%, variable, 10 currencies and iban local details. |
| Trust | 8.8 | Not confirmed |
How they place
| Ranking | PagBank | PKO Bank Polski |
|---|---|---|
| Savings accounts | 28 of 1420 | 156 of 1420 |
| Money transfer services | 14 of 1564 | 120 of 1564 |
Every fact side by side
| Fact | PagBank | PKO Bank Polski |
|---|---|---|
| Audience | Business, Freelancer | Expats |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM, Digital only, No credit checkCovers more | Free ATM |
| Legal entity | PAGSEGURO INTERNET INSTITUIÇÃO DE PAGAMENTO S/A | PKO Bank Polski Spółka Akcyjna |
| Headquarters | Brazil | Poland |
| Founded | 2006 | Not confirmed |
| Support channels | Email, Phone, Help centre, ChatCovers more | Chat, Phone, Help centre |
Savings
| Fact | PagBank | PKO Bank Polski |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Variable | Variable |
| Minimum deposit | R$1 | Not confirmed |
| Access terms | Daily liquidity, redeem whenever you want | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PagBank | PKO Bank Polski |
|---|---|---|
| Delivery time | Within minutes: cross-border payouts cleared in minutes to Pix or a PagBank account; Pix transfers instant 24/7 | Immediate between own accounts |
| Payout methods | Bank, WalletCovers more | Bank |
| Fee to send 1,000 | R$0 | PLN 0 |
Where each stands against the rest
| Fact | PagBank | PKO Bank Polski | Median |
|---|---|---|---|
| Currency conversion fee | 5%highest quarter | 0%below the median | 0.5% |
| Currencies | Not confirmed | 10above the median | 5 |
Median across 536 listed accounts.
Pros and cons
PagBank
Pros
- Transfers to any bank are Free (unlimited TED and Pix to any bank), which covers both Pix and TED.
- Cash access carries an allowance of BRL 0, so withdrawals do not add to the bill.
- Payouts reach bank and wallet, and cross-border money clears in minutes to Pix or a PagBank account.
Cons
- Currency conversion on the card costs 5%, which ranks 304 of 312 and sits above the site median of 0.5%.
- The service is digital-only, as free atm, digital only and no credit check shows, so it suits people comfortable running money from an app.
- Savings pay a variable rate, so returns can move.
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
PagBank
Who it suits
- Brazilian sole traders and small companies that bill and pay in Pix
- Freelancers who want an everyday account with an easy access CDB alongside
- Anyone happy to manage the account from a phone
Who should look elsewhere
- Skrill, if a wallet outside Brazil fits better: its monthly fee is €0
- Plazo ES, if a Spanish product suits you instead: its monthly fee is €0
- PayPal Colombia, if a wallet for cross-border online payments is the job: its monthly fee is $0
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 $0, suits a wallet rather than a Polish bank account.
- Skrill, whose monthly fee is €0, suits readers who want wallet balances.
- eToro, whose monthly fee is £0, suits balances held on an investment platform.
Current offers
PagBank
Current offer
Discount code
Taxa 0% para novos clientes (0% merchant rate on card readers): 0%
New customers of the Conta PJ PagBank; card reader without rental fee
Source, checked September 26, 2026
Discount code
Moderninha ProFit com 90% off (Super Max): R$ 83,88 à vista (12x de R$ 6,99)
Super Max plan; promotional price valid under campaign terms
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 | PagBank | PKO Bank Polski |
|---|---|---|
| Brazil | Yes | No |
| Poland | No | Yes |
Questions about each
PagBank
What does PagBank charge to hold an account?+
The monthly fee runs BRL 0 to BRL 75, and the account is built around no monthly charge. PagBank ranks 1 of 500 on monthly fee across the site, the site median is €0, and the top of the site range reaches €449.
Are Pix and TED transfers really free?+
Transfers to any bank are Free (unlimited TED and Pix to any bank), and the Pix transfer charge is BRL 0. Pix is instant around the clock, and cross-border payouts clear in minutes to Pix or a PagBank account, with payouts landing on bank and wallet.
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
PagBank
PKO Bank Polski