Updated October 13, 2026 · VaultCue Editorial Team
PKO Bank Polski vs TrueMoney
PKO Bank Polski
Higher score in this comparison
TrueMoney
Where PKO Bank Polski and TrueMoney differ
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | TrueMoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | PLN 0 | THB 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 | No fee for transfers between TrueMoney accounts |
| Currency conversion fee | 0% | Not confirmed |
| Currencies | 10 | Not confirmed |
| Local account details | IBAN | Not confirmed |
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Key differences
- TrueMoney is available in 5 more countries.
- Support channels: only PKO Bank Polski offers Help centre.
- Support channels: only TrueMoney 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.
TrueMoney
TrueMoney offers everyday account use with an easy-access savings choice inside one app, rather than keeping daily money and saving intentions apart. People exploring simple structures for daily money will find a clear outline of what to check before deciding.
Score breakdown
| Area | PKO Bank Polski | TrueMoney |
|---|---|---|
| Cost | 9.4HigherMonthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. | 9.3 |
| Offer | 9.2Savings headline rate 4%, variable, 10 currencies and iban local details. | 9.2 |
| Trust | Not confirmed | 8.9 |
How they place
| Ranking | PKO Bank Polski | TrueMoney |
|---|---|---|
| Savings accounts | 156 of 1420 | 1289 of 1420 |
| Money transfer services | 120 of 1564 | 1342 of 1564 |
Every fact side by side
| Fact | PKO Bank Polski | TrueMoney |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Not confirmed |
| Legal entity | PKO Bank Polski Spółka Akcyjna | True Money Company Limited |
| Headquarters | Poland | Thailand |
| Founded | Not confirmed | 2003 |
| Support channels | Chat, Phone, Help centre | Email, Phone, Chat |
Savings
| Fact | PKO Bank Polski | TrueMoney |
|---|---|---|
| Headline rate | 4%Higher | 0.1% to 1% |
| Rate type | Variable | Variable |
| Minimum deposit | Not confirmed | THB 0 |
| Access terms | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge | On-demand savings (ออมทรัพย์) account opened in the TrueMoney app and held at Kasikornbank, no minimum top-up, interest credited 30 June and 31 December each year |
| Account kind | Easy access | Easy access |
Money transfer
| Fact | PKO Bank Polski | TrueMoney |
|---|---|---|
| Delivery time | Immediate between own accounts | Not confirmed |
| Payout methods | Bank | Cash pickup |
| Fee to send 1,000 | PLN 0 | Not confirmed |
Where each stands against the rest
| Fact | PKO Bank Polski | TrueMoney | Median |
|---|---|---|---|
| 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.
TrueMoney
Pros
- Easy-access savings sits alongside everyday money in the TrueMoney app
- Account opening happens inside the TrueMoney app for daily use
- Everyday account design keeps saving intention visible during daily money use
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.
TrueMoney
Who it suits
- People wanting everyday money and savings together
- Beginners seeking simple easy-access structures
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 | TrueMoney |
|---|---|---|
| Cambodia | No | Yes |
| Indonesia | No | Yes |
| Myanmar | No | Yes |
| Philippines | No | Yes |
| Poland | Yes | No |
| Thailand | No | Yes |
| Vietnam | 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.
TrueMoney
What does TrueMoney offer for everyday money?+
TrueMoney provides everyday account use with an easy-access savings choice for daily money goals. You keep awareness of spending and intention to save in one app view. Check how that structure matches the way you organise money each month.
Who is the easy-access option suited to?+
The easy-access choice suits people who prefer flexible saving alongside everyday money. It gives beginners a simple structure with clear purposes for short term needs. Review whether this combined approach supports habits you want to keep.
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PKO Bank Polski
TrueMoney