Updated October 14, 2026 · VaultCue Editorial Team
PKO Bank Polski vs Touch n Go eWallet Visa Card
PKO Bank Polski
Higher score in this comparison
Touch n Go eWallet Visa Card
What sets them apart
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | Touch n Go eWallet Visa CardReviewSee 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 |
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 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.
Touch n Go eWallet Visa Card
Touch n Go eWallet in Malaysia offers a Visa prepaid card funded from the eWallet balance. A help article describes Visa Plus ATM withdrawals; fees and eligibility are not established here.
Score breakdown
| Area | PKO Bank Polski | Touch n Go eWallet Visa Card |
|---|---|---|
| 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 | Touch n Go eWallet Visa Card |
|---|---|---|
| Money transfer services | 120 of 1564 | 1330 of 1564 |
Every fact side by side
| Fact | PKO Bank Polski | Touch n Go eWallet Visa Card |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | No monthly fee | Not confirmed |
| Features | Free ATM | Not confirmed |
| Legal entity | PKO Bank Polski Spółka Akcyjna | TNG Digital Sdn. Bhd. |
| Headquarters | Poland | Malaysia |
| Support channels | Chat, Phone, Help centre | Not confirmed |
Savings
| Fact | PKO Bank Polski | Touch n Go eWallet Visa Card |
|---|---|---|
| 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 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Money transfer
| Fact | PKO Bank Polski | Touch n Go eWallet Visa Card |
|---|---|---|
| Exchange rate markup | Not confirmed | 0% |
| 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 | Touch n Go eWallet Visa Card | 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.
Touch n Go eWallet Visa Card
Pros
- The card is funded from the eWallet balance.
Cons
- ATM fees and eligibility are not established in the captured details.
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.
Touch n Go eWallet Visa Card
Who it suits
- Malaysian eWallet users looking for a prepaid Visa and ATM access.
Who should look elsewhere
- Users who need confirmed withdrawal fees and eligibility before choosing.
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 | Touch n Go eWallet Visa Card |
|---|---|---|
| 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.
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.
Other options to compare
Other matchups
Related by the facts
PKO Bank Polski
Touch n Go eWallet Visa Card