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PKO Bank Polski review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PKO Bank Polski suits Polish retail customers who want easy-access savings without a monthly fee. Its variable headline rate is 4%, and the account capitalises interest monthly with free first monthly transfers out. It also offers cash loans with an APR of 11.42% and free early repayment.

Key facts

Best for
Polish retail customers wanting easy-access savings with a variable rate and no monthly account fee.
Headline rate
4%↗
Rate type
Variable↗
Term
2 to 120 months↗
Access terms
Interest capitalised monthly, first monthly transfer out and branch withdrawals free of charge↗
Monthly fee
PLN 0↗
Account kind
Easy access↗
Legal entity
PKO Bank Polski S.A.↗
Headquarters
Poland↗
Support channels
Phone↗
Pricing model
No monthly fee
Official website
pkobp.pl

Loans

APR
11.42%↗
Loan amount
PLN 1,500 to PLN 300,000↗
Arrangement fee
0 PLN↗
Credit check
Hard↗
Funding time
As fast as 30 seconds after accepting the contract, otherwise within 1 day↗
Representative example
Pozyczka gotowkowa: 30 300,00 zl over 64 monthly instalments of 618,70 zl, total repay 40 215,65 zl, RRSO 11,42%, fixed rate 10,85%, commission 0,00 zl↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
New and existing PKO Bank Polski retail customers with an accepted income source (employment contract, contract of mandate, self-employment); first cash loan for non-customers must be arranged in a branch↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation↗
Use cases
Home-improvement↗
Features
Same-day funding

Debit cards

Card type
Debit↗
Cashback rate
10%↗
Card network
Visa↗
Audience
Kids

Mortgages

Fixed period
5 years↗
Maximum loan to value
90%↗
Product fee
PLN 0↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 10 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Easy-access savings with a variable headline rate of 4%.
  • No monthly fee, with a monthly fee of PLN 0.
  • Cash loans include free early repayment and a same-day funding feature.

Cons

  • The savings rate is variable, so the headline rate of 4% may change.
  • Cash loans use a hard credit check, as stated by hard.
  • Support runs through phone only.
PKO Bank Polski

Ready to try PKO Bank Polski?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Polish retail customers saving through an easy-access account.
  • Customers with an accepted income source seeking personal or debt-consolidation borrowing.
  • Savings customers prioritising a variable rate and no monthly account fee.

Who should look elsewhere

  • bunq may suit savers prioritising its headline rate of 3.01% over PKO Bank Polski's easy-access account.
  • Wise may suit savers prioritising its headline rate of 3.29%.
  • Finteres may suit savers comparing its headline rate of 0% to 36%.

Rates and terms

The savings account offers an easy-access structure with a variable headline rate of 4%. Interest is capitalised monthly, and the first monthly transfer out is free of charge. The account has a monthly fee of PLN 0. For borrowing, the cash loan has an APR of 11.42%, amounts of PLN 1,500 to PLN 300,000 and terms of 2 to 120.

Who runs it

The account is run by PKO Bank Polski S.A., the legal entity behind the brand, which is headquartered in Poland. Customers reach the bank through phone rather than in-app messaging. The savings side is built around easy access, with interest capitalised monthly and the first monthly transfer out and branch withdrawals free of charge.

How PKO Bank Polski compares

Where PKO Bank Polski is available

Available
Poland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What type of savings account does PKO Bank Polski offer?+

PKO Bank Polski offers an easy-access savings account with a variable rate of 4%. Interest is capitalised monthly, and the first monthly transfer out is free of charge. The account also has a monthly fee of PLN 0.

What fees and access charges apply to the savings account?+

The savings account has a monthly fee of PLN 0. Access terms say that the first monthly transfer out and branch withdrawals are free of charge. Support is available through phone.

How does the account work for everyday savings?+

The savings account is designed for easy access and has a variable rate of 4%. Interest is capitalised monthly, with the first monthly transfer out free of charge. The legal entity is PKO Bank Polski S.A., headquartered in Poland.

What can the cash loan be used for?+

The cash loan can be used for personal needs, debt consolidation and home improvement. Loan amounts are PLN 1,500 to PLN 300,000, with terms of 2 to 120. The arrangement fee is 0 PLN, and early repayment is free.

How quickly can a cash loan be funded?+

Cash loans can be funded in seconds once the contract is accepted, with same-day funding listed as a feature. Loan amounts run PLN 1,500 to PLN 300,000 with terms of 2 to 120, and the lender kind is direct lender.

Who is eligible for a cash loan?+

Applicants need to be PKO Bank Polski retail customers, new or existing, with an income source the bank accepts, such as work under a contract, a mandate or self-employment. Someone opening a first cash loan as a new customer has to arrange it in a branch, and the credit check is hard.

Sources

Compiled from 11 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Minimum deposit, Deposit protection.

PKO Bank Polski

PKO Bank Polski

Polish retail customers wanting easy-access savings with a variable rate and no monthly account fee.

8.9/10See alternatives