Updated September 29, 2026 · VaultCue Editorial Team
PKO Bank Polski vs Revolut UK
Revolut UK
PKO Bank Polski
Higher score in this comparison
What sets them apart
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | Revolut UKReviewVisitVisit |
|---|---|---|
| Monthly fee | PLN 0 | £0 |
| Currency conversion fee | 0% | 0% to 1% |
| Currencies | 10 | 30Higher |
| 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 | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
| Licence type | Not confirmed | E money |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
Same on both: Local account details (IBAN).
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Key differences
- PKO Bank Polski scores higher overall: 9.3 vs 9.0.
- Currencies is higher at Revolut UK: 30 vs 10.
- Support channels: only Revolut UK offers Email.
- Audience: only PKO Bank Polski offers Expats.
- Audience: only Revolut UK offers Travelers, Freelancer, Teen.
- Features: only Revolut UK offers Joint account.
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.
Revolut UK
Revolut UK's savings account suits savers who want easy access to their money and no monthly charge: the easy-access balance pays 4% on a variable rate, each deposit is covered by FSCS up to GBP 85,000, and the account kind is easy access so nothing is locked away for a term.
Score breakdown
| Area | PKO Bank Polski | Revolut UK |
|---|---|---|
| Cost | 9.4HigherMonthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. | 9.3A monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. |
| Offer | 9.2Savings headline rate 4%, variable, 10 currencies and iban local details. | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. |
| Trust | Not confirmed | 8.5 |
Where each is licensed and available
| Country | PKO Bank Polski | Revolut UK |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed |
Where they rank in our lists
| Ranking | PKO Bank Polski | Revolut UK |
|---|---|---|
| Savings accounts | 156 of 1420 | 40 of 1420 |
| Multi-currency accounts | 57 of 348 | 13 of 348 |
Spending 1,000 abroad
PKO Bank Polski
0
0% of 1,000
Revolut UK
0 to 10
0% to 1% of 1,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
PKO Bank Polski
- pkobp.pl: 11 facts, checked September 26, 2026
Revolut UK
- revolut.com: 10 facts, checked September 26, 2026
- euclid.eba.europa.eu: 3 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | PKO Bank Polski | Revolut UK |
|---|---|---|
| Audience | Expats | Travelers, Freelancer, Teen |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Free ATM, Joint accountCovers more |
| Legal entity | PKO Bank Polski Spółka Akcyjna | Revolut Payments UAB |
| Headquarters | Poland | Lithuania |
| Founded | Not confirmed | 2015 |
| Support channels | Chat, Phone, Help centre | Chat, Phone, Help centre, EmailCovers more |
Savings
| Fact | PKO Bank Polski | Revolut UK |
|---|---|---|
| Headline rate | 4% | 4% |
| Rate type | Variable | Variable |
| Minimum deposit | Not confirmed | £0 |
| Access terms | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PKO Bank Polski | Revolut UK |
|---|---|---|
| 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 | Revolut UK | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0% to 1%below the median | 0.5% |
| Currencies | 10above the median | 30highest quarter | 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.
Revolut UK
Pros
- Access is instant in the app, with fee-free withdrawals and no withdrawal limits.
- Support runs on chat, phone and help centre, so a phone call or email is possible when the app is not enough.
- Regulated in the UK and in Europe: the account is run by Revolut Payments UAB, founded in 2015 and headquartered in Lithuania.
Cons
- The rate type is variable, so the 4% can move and nothing is fixed for a set period.
- The savings sit with a savings deposit partner rather than the brand itself, and the account licence type is e money.
- On headline rate the account ranks at 142 of 473 brands compared, so the return is competitive rather than exceptional.
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.
Revolut UK
Who it suits
- Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
- Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
- Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.
Who should look elsewhere
- Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
- People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
- Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 3.3%.
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 | Revolut UK |
|---|---|---|
| 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.
Revolut UK
What rate does the Revolut savings account pay?+
The easy-access balance pays a headline rate of 4%, and the rate type is variable, so the return can move with the market. Nothing has to be locked away for a term, and the account kind is easy access, so interest is credited on the balance you keep.
Is there a monthly fee or a minimum deposit?+
The monthly fee is £0 and the minimum deposit is £0, so the account can be opened with nothing in it and left open without a charge. The model is listed as no monthly fee, and 91.7% of the accounts compared run the same way.
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Related by the facts
Revolut UK
PKO Bank Polski