Updated September 29, 2026 · VaultCue Editorial Team
PKO Bank Polski vs Yape
PKO Bank Polski
Higher score in this comparison
Yape
PKO Bank Polski vs Yape: the differences
| Compare | PKO Bank PolskiReviewSee alternativesSee alternatives | YapeReviewSee alternativesSee alternatives |
|---|---|---|
| Monthly fee | PLN 0 | PEN 0 |
| Currencies | 10Higher | 2 |
| 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 (0) to send a Yape payment; remittance receiving also free |
| Local account details | IBAN | Not confirmed |
Same on both: Currency conversion fee (0%).
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Key differences
- PKO Bank Polski scores higher overall: 9.3 vs 9.1.
- Currencies is higher at PKO Bank Polski: 10 vs 2.
- Support channels: only PKO Bank Polski offers Chat, Phone.
- Features: only PKO Bank Polski offers Free ATM.
- Features: only Yape 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.
Yape
Yape suits people in Peru who want a wallet for everyday payments and money sent home, not a multi-currency account. The monthly fee is PEN 0 and the currency conversion fee is 0%, so the cost is hard to argue with, but the offer is thin at 2 currencies.
Score breakdown
| Area | PKO Bank Polski | Yape |
|---|---|---|
| Cost | 9.4Monthly fee PLN 0 and currency conversion at 0%, ranking 1 of 312 on conversion. | 9.6HigherMonthly fee of PEN 0, a currency conversion fee of 0% and free transfers on a single-currency wallet. |
| Offer | 9.2HigherSavings headline rate 4%, variable, 10 currencies and iban local details. | 8.3Covers 2 currencies, pays out to the wallet only and runs as a digital-only service. |
How they place
| Ranking | PKO Bank Polski | Yape |
|---|---|---|
| Money transfer services | 120 of 1564 | 240 of 1564 |
| Multi-currency accounts | 57 of 348 | 129 of 348 |
Every fact side by side
| Fact | PKO Bank Polski | Yape |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Features | Free ATM | Digital only |
| Legal entity | PKO Bank Polski Spółka Akcyjna | Not confirmed |
| Headquarters | Poland | Not confirmed |
| Support channels | Chat, Phone, Help centreCovers more | Help centre |
Savings
| Fact | PKO Bank Polski | Yape |
|---|---|---|
| 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 | Yape |
|---|---|---|
| Delivery time | Immediate between own accounts | Instant, credited directly to the Yape wallet |
| Payout methods | Bank | Wallet |
| Fee to send 1,000 | PLN 0 | PEN 0 |
Where each stands against the rest
| Fact | PKO Bank Polski | Yape | Median |
|---|---|---|---|
| Currency conversion fee | 0%below the median | 0%below the median | 0.5% |
| Currencies | 10above the median | 2lowest 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.
Yape
Pros
- Monthly fee of PEN 0 on the everyday account
- Currency conversion fee of 0%, top of the multi-currency table
- Sending a Yape payment and receiving a remittance are both free
Cons
- Only 2 currencies, near the bottom of the multi-currency table
- Payouts run to the wallet only, so money cannot be withdrawn to a bank account
- Support runs on help centre only, with no phone or email line
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.
Yape
Who it suits
- People living in Peru paying everyday bills from a phone
- Family members abroad sending remittances to a Yape wallet
- Anyone who wants to receive money without opening a bank account
Who should look elsewhere
- PayPal Colombia or Skrill if you hold money in several currencies
- eToro if you want a card account that pays out to a bank
- Anyone who needs help by phone, since support runs on help centre only
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
Yape
Current offer
Discount code
Hasta 50% de descuento en electrodomésticos en Yape Tienda: Up to 50% off appliances
Source, checked September 26, 2026
Country by country
| Country | PKO Bank Polski | Yape |
|---|---|---|
| Peru | 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.
Yape
How much does a Yape account cost to keep?+
The monthly fee on the everyday account is PEN 0. Sending a Yape payment carries no charge, and receiving a remittance is free as well, so the everyday cost of running the wallet is close to nothing.
What does it cost to change currency in a Yape wallet?+
The currency conversion fee is 0%, which sits at the top of the multi-currency ranking. The catch is that Yape only holds 2 currencies, so a wider currency basket is not available here.
Other options to compare
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PKO Bank Polski
Yape