Bank Pekao SA, founded in 1929, is the second-largest bank in Poland (after PKO BP) by assets. It serves 6.1 million retail and business customers through a network of over 600 branches and the PeoPay mobile app. The lowest cash loan APR at Bank Pekao is currently 8.29%.
Why choose Bank Pekao?
- Second-largest branch network in Poland — convenient in-person service nationwide
- Leading position in serving corporate clients and large companies
- PeoPay app with BLIK, NFC payments and fund investing
- Over 90 years of history and a strong "Żubr" brand synonymous with stability
- Attractive sign-up promotions and referral programmes
Editorial rating
- Offers 4.4
- Service 4.3
- Online banking 4.5
- Costs 4.3
About the bank Bank Pekao
Bank Polska Kasa Opieki (Bank Pekao) was founded in 1929, initially to serve Polish émigrés abroad, mainly in the United States, France and Argentina. After the transformation of the Polish economy, the bank became one of the pillars of the Polish banking sector. Between 1999 and 2017 its majority shareholder was the Italian UniCredit group. In 2017 a controlling stake was bought back by PZU and the Polish Development Fund, restoring majority Polish ownership.
Today Bank Pekao serves over 6.1 million customers through around 600 branches, 1,700 ATMs and the PeoPay mobile app. It offers the full product range: cash loans, mortgages, personal accounts (Konto Przekorzystne), deposits, credit cards, investment products and advanced corporate banking. The bank is supervised by KNF and is a member of BFG.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Pożyczka Ekspresowa
Bank Pekao
- APR
- 8.31%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 488 PLN
Consolidation loans
View all offers →Pożyczka Konsolidacyjna
Bank Pekao
- APR
- 8.29%
- Amount
- 30,000 PLN
- Term
- 60 months
- Instalment
- 608 PLN
Mortgages
View all offers →Kredyt hipoteczny
Bank Pekao
- APR
- 5.74%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,294 PLN
Kredyt hipoteczny
Bank Pekao
- APR
- 8.24%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,833 PLN
Kredyt hipoteczny
Bank Pekao
- APR
- 6.04%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,319 PLN
Personal accounts
View all offers →Konto Przekorzystne
Bank Pekao
- Monthly fee
- Free
Konto Przekorzystne (do 26 lat)
Bank Pekao
- Monthly fee
- Free
Business accounts
View all offers →Konto Biznes z Żubrem w promocji i 4200 zł premii
Bank Pekao
- Monthly fee
- 0 – 15 PLN
Savings accounts
View all offers →Konto oszczędnościowe
Bank Pekao
Konto oszczędnościowe
Bank Pekao
Pros and cons
Pros
- Wide branch network — convenient for customers who prefer in-person service
- Strong business banking, including SME and corporate
- Stability — the second-largest Polish-capital bank after PKO BP
- Comprehensive product range under one roof
Cons
- The mobile app, while good, slightly trails the leaders (mBank, Santander)
- Standard offers are sometimes less competitive than promotional ones
- Credit formalities slower than at digital-first banks
How to apply — Bank Pekao
Bank Pekao SA is the second-largest universal bank in Poland, known for the "Żubr" (bison) brand, serving more than 6 million customers since 1929.
- 1
Find a Pekao offer
Compare Bank Pekao products in our ranking — loans, accounts, deposits.
- 2
Go to the bank
Click the CTA to go directly to the application page on pekao.com.pl.
- 3
Fill in the application
Use the PeoPay app, Pekao24 or visit the nearest branch with your ID and income documents.
- 4
Await the decision
Existing customers receive a decision faster thanks to pre-approvals. New customers — usually within 1–2 business days.
Frequently Asked Questions
What is the difference between Bank Pekao and PKO BP?
PKO BP is the largest bank in Poland by assets and customer base (~11.5 million), while Pekao is second (~6.1 million customers). Both banks have majority Polish capital and offer the full spectrum of banking products. Pekao has historically been stronger in corporate banking.
How much does Konto Przekorzystne at Pekao cost?
Konto Przekorzystne is free if you meet conditions: a salary deposit at a certain level or card activity. Without meeting these conditions the fee is a few złoty per month. Exact thresholds are on pekao.com.pl in the pricing section.
Does Pekao offer cash loans online?
Yes. You can apply for a Pekao cash loan via PeoPay, Pekao24 or at a branch. Existing customers often have a pre-approved offer with a fast credit decision.
What is the maximum mortgage amount at Pekao?
Bank Pekao offers mortgages with high credit limits, depending on your creditworthiness and property value. Repayment periods can reach 30 years. Both variable and 5-year temporarily fixed rate options are available.
Is Bank Pekao safe?
Yes. Bank Pekao is supervised by KNF, is a BFG member and is listed on the Warsaw Stock Exchange. Its main shareholders are PZU and PFR — entities controlled by the Polish State Treasury. Deposits are insured up to EUR 100,000.
How do I open a Pekao account online?
You can open a Pekao account via the PeoPay app or pekao.com.pl, using the mObywatel app for identity verification or a verification transfer from another bank. The card arrives by post in 5–7 business days.
What are Pekao deposit rates?
Pekao regularly runs promotional deposit offers for new money at rates significantly above standard. Current rates are in our deposit ranking, which pulls data directly from banks.
Other banks
kreddo.pl is an independent financial comparison service and is not a credit broker within the meaning of the Polish Consumer Credit Act. The data presented is pulled from bank APIs and updated in real time. Final loan terms are determined individually by the bank.