Updated October 13, 2026 · VaultCue Editorial Team
PKO Bank Polski vs Reflect
PKO Bank Polski
Higher score in this comparison
Reflect
PKO Bank Polski vs Reflect: the differences
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | ReflectReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | PLN 0 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Currencies | 10 | Not confirmed |
| Local account details | IBAN | Not confirmed |
| 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 | Not confirmed |
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Key differences
- Support channels: only PKO Bank Polski offers Chat, Help centre.
- Support channels: only Reflect offers Email.
Our verdict on each
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.
Reflect
For residents in Jordan seeking phone based daily money management, Reflect provides a focused mobile option. Reflect is a lifestyle digital mobile banking app with current and savings accounts plus cards and lending features for local everyday use and multicurrency needs.
Score breakdown
| Area | PKO Bank Polski | Reflect |
|---|---|---|
| Cost | 9.4Monthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. | Not confirmed |
| Offer | 9.2Savings headline rate 4%, variable, 10 currencies and iban local details. | Not confirmed |
How they place
| Ranking | PKO Bank Polski | Reflect |
|---|---|---|
| Savings accounts | 156 of 1420 | 1266 of 1420 |
Every fact side by side
| Fact | PKO Bank Polski | Reflect |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | No monthly fee | Not confirmed |
| Features | Free ATM | Not confirmed |
| Legal entity | PKO Bank Polski Spółka Akcyjna | Not confirmed |
| Headquarters | Poland | Jordan |
| Support channels | Chat, Phone, Help centre | Email, Phone |
Savings
| Fact | PKO Bank Polski | Reflect |
|---|---|---|
| Headline rate | 4% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Access terms | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge | Free withdrawals at any Arab Bank ATM in Jordan; 5-500 JOD per day, same-day access via app |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PKO Bank Polski | Reflect |
|---|---|---|
| Delivery time | Immediate between own accounts | Not confirmed |
| Payout methods | Bank | Not confirmed |
| Fee to send 1,000 | PLN 0 | Not confirmed |
Where each stands against the rest
| Fact | PKO Bank Polski | Reflect | Median |
|---|---|---|---|
| Monthly fee | PLN 0at the median | Not confirmed | PLN 0 |
| Currency conversion fee | 0%below the median | Not confirmed | 0.5% |
| Currencies | 10above the median | Not confirmed | 5 |
Median across 536 listed accounts.
Pros and cons
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.
Reflect
Pros
- Holds current and savings balances together in one mobile app
- Provides physical, virtual and multicurrency card options for transactions
- Combines everyday accounts with personal lending in one application
Cons
- Operates as a mobile app without physical branches for counter service
- Serves Jordan, which narrows options for people based elsewhere
- Centres on card spending, which reduces choice for cash led routines
Who each suits
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.
Reflect
Who it suits
- People in Jordan who want app based current and savings accounts
- Users who want multicurrency balances and card choice in one place
Who should look elsewhere
- People who prefer branch based banking with counter service
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 | PKO Bank Polski | Reflect |
|---|---|---|
| Poland | Yes | No |
Questions about each
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.
Reflect
What does Reflect offer for everyday banking?+
Reflect provides digital current accounts and savings accounts for everyday money management in one application. It also provides debit cards, a virtual card for online transactions, a credit card option and multicurrency balances. Personal loans sit alongside those accounts for additional borrowing needs.
Which currencies can Reflect hold?+
Reflect supports multicurrency accounts in USD, EUR, GBP, AED and SAR. Those balances sit beside Jordanian dinar accounts within the same application. Users can spend and manage money across those currencies from one place.
Other options to compare
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Related by the facts
PKO Bank Polski
Reflect