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PKO Bank Polski review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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.

Our verdict

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.

Key facts

Best for
A no cost everyday account in Poland with IBAN details and a variable savings rate.
Monthly fee
PLN 0↗
Currency conversion fee
0%↗
Currencies
10↗
Local account details
IBAN↗
Transfer fee
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↗
Legal entity
PKO Bank Polski Spółka Akcyjna↗
Headquarters
Poland↗
Support channels
Chat, Phone, Help-centre↗
Audience
Expats
Pricing model
No monthly fee
Features
Free ATM withdrawals
Official website
pkobp.pl

Savings

Headline rate
4%↗
Rate type
Variable↗
Access terms
Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge↗
Account kind
Easy access↗

Money transfer

Delivery time
Immediate between own accounts↗
Payout methods
Bank↗
Fee to send 1,000
PLN 0↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

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.
PKO Bank Polski

Ready to try PKO Bank Polski?

Scored 9.3 / 10 by VaultCue.

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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.

Fees and currency costs

On the everyday account the monthly fee is PLN 0 and the currency conversion charge is 0%. Transfers in iPKO and the IKO app cost nothing for internal, standard and SEPA Standard payments, while standard or SEPA Standard foreign transfers to another account holder cost more when made in a branch or by phone line.

Where it sits among rivals

On monthly fees it ranks 1 of 500 brands on the site, and on currency conversion it ranks 1 of 312. The currency count is the weaker side, sitting at 103 of 379, which is where the account gives ground to accounts holding far more currencies.

How PKO Bank Polski compares

Where PKO Bank Polski is available

Available
Poland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What interest does the savings account pay?+

The headline rate is 4% on an easy access account, and the rate is variable, so it can rise or fall. Interest is capitalised monthly, and the first monthly transfer out each month plus branch withdrawals carry no charge.

How many currencies can I hold?+

The account covers 10 currencies, which ranks 103 of 379 brands on the site, against a site median of 5. That covers common travel and remittance currencies but leaves little room for long tail pairs.

How do I deposit and withdraw money?+

Payouts run to a bank destination, and transfers between own accounts are Immediate between own accounts. App transfers carry no charge for internal, standard and SEPA Standard payments, while the same payments to another account holder cost more in a branch or by phone line.

Who is the account aimed at?+

The stated audience is expats, so the account is pitched at people settling in or working in Poland rather than at a single domestic niche. It charges a PLN 0 monthly fee and includes free atm, which suits everyday spending in the local currency.

What support do I get?+

Support runs on chat, phone and help centre, so a phone line, live chat and a help centre cover most questions. For openings and routine matters those are the routes the account lists, and phone support sits with 79.5% of brands on the site.

What local account details do I get?+

The local account details listed are iban, so payments into and out of the account run on a standard account number format. The bank is headquartered in Poland and trades as PKO Bank Polski Spółka Akcyjna, the entity behind the account.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection.

PKO Bank Polski

PKO Bank Polski

A no cost everyday account in Poland with IBAN details and a variable savings rate.

9.3/10See alternatives