Updated October 14, 2026 · VaultCue Editorial Team
PKO Bank Polski vs Sumeria
PKO Bank Polski
Higher score in this comparison
Sumeria
Where PKO Bank Polski and Sumeria differ
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | SumeriaReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | PLN 0 | €0 |
| 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 | 0 EUR (all transfers free on the free Carte Basique offer) |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Currencies | 10 | Not confirmed |
| Free ATM withdrawals | Not confirmed | €250 |
Same on both: Currency conversion fee (0%), Local account details (IBAN).
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Key differences
- PKO Bank Polski scores higher overall: 9.3 vs 8.9.
- Sumeria is available in 1 more country.
- Support channels: only Sumeria offers Email.
- Audience: only PKO Bank Polski offers Expats.
- Audience: only Sumeria offers Travelers.
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.
Sumeria
Sumeria is an easy-access French account with instant access to a French IBAN and a variable rate of 1% to 2%, which suits travellers who want euro banking without a fixed term. It is regulated and deposit protected, so the trade-off is the low rate rather than the safety of the money.
Score breakdown
| Area | PKO Bank Polski | Sumeria |
|---|---|---|
| Cost | 9.4HigherMonthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. | 9.1Monthly fee €0 and transfer fee €0, with conversion fee 0%. |
| Offer | 9.2HigherSavings headline rate 4%, variable, 10 currencies and iban local details. | 9.0 |
| Trust | Not confirmed | 8.8 |
How they place
| Ranking | PKO Bank Polski | Sumeria |
|---|---|---|
| Savings accounts | 156 of 1420 | 442 of 1420 |
| Money transfer services | 120 of 1564 | 325 of 1564 |
Every fact side by side
| Fact | PKO Bank Polski | Sumeria |
|---|---|---|
| Audience | Expats | Travelers |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Free ATM |
| Legal entity | PKO Bank Polski Spółka Akcyjna | Lydia Solutions |
| Headquarters | Poland | France |
| Founded | Not confirmed | 2011 |
| Support channels | Chat, Phone, Help centre | Email, Help centre, Phone, ChatCovers more |
Savings
| Fact | PKO Bank Polski | Sumeria |
|---|---|---|
| Headline rate | 4%Higher | 1% to 2% |
| Rate type | Variable | Variable |
| Access terms | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge | No commitment, instant access to a French IBAN; Basic offer: up to 2,000 EUR payments and withdrawals per month, 3 free ATM withdrawals per month, card free |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PKO Bank Polski | Sumeria |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| Delivery time | Immediate between own accounts | Instant |
| Payout methods | Bank | Bank, CardCovers more |
| Fee to send 1,000 | PLN 0 | €0 |
Where each stands against the rest
| Fact | PKO Bank Polski | Sumeria | 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 | €250above the median | €1 |
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.
Sumeria
Pros
- Instant access to a French IBAN with no commitment, so the account works around a trip
- Money sits under EU DGS up to EUR 100,000, and the account runs on a French e-money licence from ACPR with an ORIAS registration
- Transfers arrive in Instant time and payouts go to a bank account or a card (bank and card)
Cons
- The variable rate of 1% to 2% sits under the savings median of 3.08% on the site, so the money earns less than most savings accounts listed
- The Basic offer caps payments and withdrawals each month, and the free ATM allowance stands at €250
- The account is easy-access (easy access) and the rate is variable, so there is no term to lock the rate in for
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.
Sumeria
Who it suits
- Travellers in France who want a local IBAN, with Instant payments and no commitment
- Euro spenders who want the free card on the Basic offer and payouts to a bank or card (bank and card)
- Euro savers who care more about protection of EU DGS up to EUR 100,000 than about the rate
Who should look elsewhere
- Savers chasing a higher return: Plazo ES shows a headline rate of 24.19% against 1% to 2% here
- People set on a card and credit product: AXI Card Tarjeta y Credito is built around a card at 21.59%, while Sumeria is an easy-access account (easy access)
- Wallet-first users: PayPal Colombia sits at a headline rate of 3.3% and suits wallet balances, whereas Sumeria suits euro banking on a French IBAN
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
Sumeria
Current offer
Bonus
Remunerated current account: 2% for the first 3 months, then 1%: 2% gross annual rate for the first 3 months, then 1%
At least 10 eligible card payments per month with a Sumeria card, interest calculated daily and paid monthly; rate applies to total balances across Sumeria accounts capped at 100,000 EUR (100,000 EUR cap if the Black Card offer is taken); reserved for French and Belgian tax residents; rate subject to change
Source, checked September 26, 2026
Country by country
| Country | PKO Bank Polski | Sumeria |
|---|---|---|
| Belgium | No | Yes |
| France | No | Yes |
| 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.
Sumeria
What does a Sumeria account cost to run?+
The monthly fee is €0, so holding the account is free. Transfers are free on the free Carte Basique offer, where the transfer fee is 0 EUR (all transfers free on the free Carte Basique offer). Currency conversion comes with a fee of 0% and an exchange rate markup of 0%.
Is my money protected at Sumeria?+
Deposits are covered by EU DGS up to EUR 100,000. The account is run by Lydia Solutions as an e-money institution authorised to issue payment services by ACPR, with an ORIAS registration as an agent of an investment service provider, so French regulators sit over the account.
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