Updated September 29, 2026 · VaultCue Editorial Team
PKO Bank Polski vs Vivid Money
PKO Bank Polski
Higher score in this comparison
Vivid Money
PKO Bank Polski vs Vivid Money: the differences
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | Vivid MoneyReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | PLN 0 | €0 |
| Currency conversion fee | 0%Lower | 0.25% |
| Currencies | 10 | 22Higher |
| 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 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
Same on both: Local account details (IBAN).
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Key differences
- PKO Bank Polski scores higher overall: 9.3 vs 8.8.
- Currency conversion fee is lower at PKO Bank Polski: 0% vs 0.25%.
- Currencies is higher at Vivid Money: 22 vs 10.
- Support channels: only PKO Bank Polski offers Phone.
- Features: only PKO Bank Polski offers Free ATM.
- Features: only Vivid Money offers Digital only.
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.
Vivid Money
Vivid Money suits people who want everyday spending plus savings in the same app without monthly upkeep, with the standard plan priced at €0 a month. Cash stays within instant access pockets that suit flexible savers who also move money across currencies for travel or daily life abroad.
Score breakdown
| Area | PKO Bank Polski | Vivid Money |
|---|---|---|
| Cost | 9.4HigherMonthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. | 9.2Conversion priced at 0.25% keeps cross currency spend modest versus broader market levels |
| Offer | 9.2HigherSavings headline rate 4%, variable, 10 currencies and iban local details. | 9.1Interest pocket pays 3% on instant access balances with low entry threshold |
| Trust | Not confirmed | 8.3Eligible balances covered by EU DGS up to EUR 100,000 with licensed EU supervision |
Sources behind this comparison
PKO Bank Polski
- pkobp.pl: 11 facts, checked September 26, 2026
Vivid Money
- vivid.money: 10 facts, checked September 29, 2026
- esma.europa.eu: 2 facts, checked September 28, 2026
How they place
| Ranking | PKO Bank Polski | Vivid Money |
|---|---|---|
| Savings accounts | 156 of 1420 | 496 of 1420 |
| Multi-currency accounts | 57 of 348 | 206 of 348 |
Every fact side by side
| Fact | PKO Bank Polski | Vivid Money |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Digital only |
| Legal entity | PKO Bank Polski Spółka Akcyjna | Vivid Money B.V. |
| Headquarters | Poland | Netherlands |
| Founded | Not confirmed | 2019 |
| Support channels | Chat, Phone, Help centreCovers more | Chat, Help centre |
Savings
| Fact | PKO Bank Polski | Vivid Money |
|---|---|---|
| Headline rate | 4%Higher | 3% |
| Rate type | Variable | Fixed |
| Minimum deposit | Not confirmed | €0.010 |
| Access terms | Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge | Instant access |
| Account kind | Easy access | Easy access |
| Regulators | Not confirmed | Commission de Surveillance du Secteur Financier (CSSF), Dutch Authority for Financial Markets (AFM), Netherlands Authority for the Financial Markets (AFM) |
Money transfer
| Fact | PKO Bank Polski | Vivid Money |
|---|---|---|
| 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 | Vivid Money | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0.25%below the median | 0.5% |
| Currencies | 10above the median | 22highest 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.
Vivid Money
Pros
- Transfers cost free, which keeps routine euro moves easy to budget
- Supports 22 currencies and issues IBAN for getting paid across borders
- Savings start from €0.01 with withdrawals under Instant access for flexible access
Cons
- Support runs on chat and help centre only, so callers must use chat or articles
- Account is digital only through digital only, with no branch option for cash service
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.
Vivid Money
Who it suits
- Travellers and expats holding balances across currencies
- Flexible savers wanting instant access pockets in the same app
- App led users happy with chat based service
Who should look elsewhere
- Consider bunq if conversion cost matters most and you want to compare against 3%
- Consider Bit2Me if crypto linked services matter and you want to compare against 0.95%
- Consider eToro if trading features matter and you want to compare upkeep against £0
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 | Vivid Money |
|---|---|---|
| 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.
Vivid Money
What does Vivid Money charge for the account+
The standard plan is priced at €0 a month, which keeps upkeep predictable for everyday use. Transfers are listed at free, while currency conversion is listed at 0.25% for cross currency moves.
How many currencies can you hold+
Vivid Money supports 22 currencies, which helps if you hold balances for travel or pay across borders. Local euro details come through IBAN, making it easier to receive salary or transfers within the region.
Other options to compare
Other matchups
Related by the facts
PKO Bank Polski
Vivid Money