Updated September 28, 2026 · VaultCue Editorial Team
PKO Bank Polski vs SoFi
PKO Bank Polski
Higher score in this comparison
SoFi
What sets them apart
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | SoFiReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | PLN 0 | $0 |
| Local account details | IBAN | Us ACH |
| 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 | Outgoing domestic wire $30 per transfer; incoming wire $0 |
| Licence type | Not confirmed | Bank |
| Deposit protection | Not confirmed | FDIC up to USD 250,000 |
| Currencies | 10 | Not confirmed |
| Free ATM withdrawals | Not confirmed | $0 |
Same on both: Currency conversion fee (0%).
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 8.7.
- Local account details: only PKO Bank Polski offers IBAN.
- Local account details: only SoFi offers Us ACH.
- Support channels: only PKO Bank Polski offers Chat, Phone.
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.
SoFi
SoFi suits US savers who want an online savings balance held beside their checking account, with deposits covered by FDIC up to USD 250,000 and a variable interest rate. Because it is an online-only direct bank, the savings balance is managed from your own screen rather than a branch counter.
Score breakdown
| Area | PKO Bank Polski | SoFi |
|---|---|---|
| Cost | 9.4HigherMonthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. | 9.1Monthly fee $0 and currency conversion fee 0%, against site medians of €0 and 0.5%. |
| Offer | 9.2HigherSavings headline rate 4%, variable, 10 currencies and iban local details. | 8.1 |
| Trust | Not confirmed | 8.8 |
How they place
| Ranking | PKO Bank Polski | SoFi |
|---|---|---|
| Savings accounts | 156 of 1420 | 537 of 1420 |
Every fact side by side
| Fact | PKO Bank Polski | SoFi |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Free ATM |
| Legal entity | PKO Bank Polski Spółka Akcyjna | SoFi Bank, National Association |
| Headquarters | Poland | United States |
| Founded | Not confirmed | 2011 |
| Support channels | Chat, Phone, Help centreCovers more | Help centre |
Savings
| Fact | PKO Bank Polski | SoFi |
|---|---|---|
| Headline rate | 4% | Not confirmed |
| Rate type | Variable | Variable |
| Access terms | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge | Online-only direct bank, no physical branches; SoFi Savings bundled with SoFi Checking |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PKO Bank Polski | SoFi |
|---|---|---|
| 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 | SoFi | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 0.5% |
| Currencies | 10above the median | Not confirmed | 5 |
| Free ATM withdrawals | Not confirmed | $0at the median | $0 |
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.
SoFi
Pros
- Deposits sit under FDIC up to USD 250,000, and the bank is listed as FDIC cert 26881
- The savings rate is variable and the account kind is easy access, so you can draw money out without a fixed term
- Cash machine use is listed under free atm, with an allowance of $0
Cons
- Support runs on help centre only, so no phone or email channel appears in the list
- Wire transfers come with Outgoing domestic wire $30 per transfer; incoming wire $0, so moving larger sums to someone else is not free
- The rate is variable, so what you earn can fall as well as rise
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.
SoFi
Who it suits
- US residents who want savings and checking in a single place
- People who are happy to bank entirely online
- Savers who want a bank licence and insured deposits rather than a partner account
Who should look elsewhere
- XTB, if you hold UK pounds and want cover under FSCS up to GBP 85,000 rather than FDIC up to USD 250,000
- Plazo ES, whose fixed rate locks money away, when you would rather hold an easy access balance
- AXI Card Tarjeta y Credito, whose fixed rate suits readers who prefer a return locked for a set period
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 | SoFi |
|---|---|---|
| Poland | Yes | No |
| United States | No | Yes |
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.
SoFi
How much does SoFi Savings cost to hold?+
Nothing is charged to keep the balance open. The monthly fee is $0, and the account model is no monthly fee. Money only becomes costly when you move it in certain ways, such as sending a wire rather than making a standard transfer.
Is my money safe with SoFi?+
It sits with a bank, and deposits are covered by FDIC up to USD 250,000, so the balance is protected up to that limit. The bank is listed as FDIC cert 26881, a certificate you can check against the insurer's register.
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PKO Bank Polski
SoFi