PKO Bank Polski, founded in 1919, is the largest universal bank in Poland. It offers cash loans, mortgages, personal and business accounts (including Konto bez Granic for Polish citizens abroad), with full English-language IKO app and customer service.
Why choose PKO Bank Polski?
- Poland's largest bank with over a century of history and strong financial stability
- Konto bez Granic — multi-currency account designed specifically for Polish citizens living abroad
- English-language IKO app, iPKO web banking and customer service
- Polish mortgages available to citizens earning income in EUR, GBP, CHF and other foreign currencies
- Widest branch and ATM network in Poland — 1,000+ branches and 3,000+ ATMs, accessible during visits home
- IKO mobile app consistently rated among the best banking apps in Europe
- Comprehensive product range — loans, accounts, deposits, investments and business banking under one roof
- Full BFG deposit guarantees up to EUR 100,000 and KNF supervision
Editorial rating
- Offers 4.6
- Service 4.4
- Online banking 4.7
- Costs 4.3
About the bank PKO Bank Polski
PKO Bank Polski was founded in 1919 as Pocztowa Kasa Oszczędności (Postal Savings Bank) — an institution created to support the rebuilding of the young Polish state after regaining independence. More than a hundred years later, it is the largest bank in Poland by total assets, customer base, branch network and loan portfolio. PKO BP is listed on the Warsaw Stock Exchange, and its majority shareholder is the Polish State Treasury, which adds an extra layer of perceived stability for retail customers.
PKO BP serves around 11.5 million retail, corporate and SME clients through a network of over 1,000 branches, the IKO mobile app — one of the most popular banking apps in Poland — and the iPKO web platform. The product range covers the full banking spectrum: cash and mortgage loans, personal accounts (Konto za Zero), savings accounts, deposits, business banking and investment products. PKO BP is a member of the Polish Bank Guarantee Fund (BFG) and is supervised by the Polish Financial Supervision Authority (KNF).
For the Polish diaspora abroad — particularly in the United Kingdom, Germany, Ireland, the Netherlands and the United States — PKO Bank Polski is one of the most natural choices for maintaining a PLN account from outside Poland. The bank offers Konto bez Granic ("account without borders"), designed specifically for Polish citizens living abroad, with multi-currency sub-accounts (PLN, EUR, USD, GBP), SEPA Credit Transfer support and recognition of EU residence documents in the verification flow. The IKO app and iPKO web banking are available in English alongside Polish, with customer service handling English inquiries by phone, chat and email during Polish business hours.
PKO BP supports Polish citizens completing tax obligations to Urząd Skarbowy, paying ZUS contributions from abroad and receiving Polish pensions in EUR or GBP. Mortgages on Polish property are available to Polish citizens earning income in foreign currency — the bank accepts EUR, GBP, CHF, USD and other EU-zone currencies in creditworthiness calculations, with documented foreign employment contracts and tax returns covering the last 12–24 months. The combination of state ownership, BFG deposit guarantees up to EUR 100,000 and the largest branch network in Poland (1,000+ branches accessible during visits home) makes PKO BP a default banking choice for many Polish residents abroad.
Compared with fintech alternatives such as Revolut, Wise and N26, PKO BP serves a fundamentally different role. Fintechs win on FX cost and daily multi-currency spending; PKO BP wins on the Polish banking relationship — BIK credit history that other Polish banks recognise, Polish-denominated mortgages on Polish property, ZUS and Urząd Skarbowy integration, and access to KNF-regulated lending at retail scale. The practical setup for many cross-border Polish residents is to hold both — PKO BP for Polish-domestic financial life, a fintech account for daily eurozone spending.
Active offers
We show the currently active offers and always link to the latest version.
Mortgages
View all offers →Kredyt mieszkaniowy Własny kąt
PKO Bank Polski
- APR
- 5.97%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,350 PLN
Kredyt mieszkaniowy Własny kąt
PKO Bank Polski
- APR
- 6.24%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,518 PLN
Personal accounts
View all offers →PKO Konto Bez Granic
PKO Bank Polski
- Monthly fee
- 17 PLN
Konto za Zero
PKO Bank Polski
- Monthly fee
- Free
Business accounts
View all offers →PKO Konto Firmowe
PKO Bank Polski
- Monthly fee
- 0 – 12 PLN
Pros and cons
Pros
- Strongest financial stability among Polish banks
- Konto bez Granic designed for Polish diaspora — multi-currency, EUR/GBP/USD sub-accounts
- English-language IKO app and web banking
- Extensive branch network accessible across the country, including smaller towns
- Excellent IKO mobile app with BLIK, currency exchange and motorway payments
- Comprehensive offer — loans, accounts, investments and insurance
Cons
- Cash loan APR can be higher than at digital-first banks
- PLN-to-EUR FX spread higher than dedicated fintech FX providers
- Credit formalities may take longer than at fully digital banks
- Account fees can rise if bonus conditions are not met
How to apply — PKO Bank Polski
PKO Bank Polski is Poland's largest bank (11M+ customers), with Konto bez Granic — a multi-currency account for Poles abroad in the UK and Germany.
- 1
Choose a product
Compare PKO BP offers in our ranking and select the product that fits your needs — cash loan, account, deposit or mortgage.
- 2
Click the CTA
The button redirects you straight to the application page at PKO BP. kreddo.pl does not intermediate in signing loan agreements.
- 3
Fill in the application online
Prepare your ID, income details and phone number. The whole process runs on pkobp.pl or in the IKO mobile app.
- 4
Receive a decision
Existing PKO BP customers with a pre-approved offer can get a decision within minutes. New customers typically receive a decision within hours to two business days.
Frequently Asked Questions
Is PKO Bank Polski safe?
Yes. PKO BP is supervised by the Polish Financial Supervision Authority (KNF) and is a member of the Bank Guarantee Fund (BFG), which insures deposits up to EUR 100,000 per customer. It is the largest financial institution in Poland and its majority shareholder is the Polish State Treasury.
Can I open a PKO BP account from abroad?
Yes. PKO BP serves the Polish diaspora through Konto bez Granic — a multi-currency account designed for Polish citizens living outside Poland. Account opening is available remotely or in person during a visit to Poland. EU residence documents are accepted alongside Polish ID. The mObywatel app simplifies verification for those who already have a Polish digital identity.
What is Konto bez Granic at PKO BP?
Konto bez Granic ("account without borders") is PKO Bank Polski's product specifically designed for Polish citizens living abroad. It supports multi-currency sub-accounts (PLN, EUR, USD, GBP), allows SEPA transfers and foreign-pension receipts, and is operable through IKO mobile or iPKO web banking with English interfaces.
Does PKO BP support SEPA transfers to Germany, the UK and Ireland?
Yes. PKO BP participates in SEPA Credit Transfer and SEPA Instant on supported corridors. Euro transfers to and from eurozone countries (Germany, France, Ireland, Netherlands) are processed same-day with no SEPA fee for euro-denominated transfers. For non-eurozone EU countries — including the UK in SEPA terms — transfers also work via SEPA Credit Transfer. PLN-to-EUR FX is applied at PKO's daily spread.
Is the IKO mobile app available in English?
Yes. IKO offers a full English interface alongside Polish. All major features — transfers, BLIK, currency exchange, card management, motorway and parking payments — are available in English. The iPKO web portal also supports English. Phone and chat support handle English inquiries during Polish business hours.
Can I get a Polish mortgage from PKO BP while working in Germany or the UK?
Yes. PKO Bank Polski accepts foreign-currency income (EUR, GBP, CHF, USD and other EU-zone currencies) in mortgage creditworthiness calculations. Polish citizens earning abroad commonly use PKO BP for property purchases in Poland, with documented employment contracts, foreign tax returns and bank statements covering 12–24 months. Loan-to-value, Recommendation S and debt-to-income thresholds apply.
What loans does PKO BP offer?
PKO BP offers cash loans up to PLN 300,000, mortgages, debt consolidation loans, car loans and business loans. Cash loan APR (RRSO) typically starts from 9–12% depending on promotional offers and the customer profile.
How much does a personal account at PKO BP cost?
The flagship Konto za Zero is free if you meet simple conditions: a salary deposit or a certain monthly card spend. Without meeting these conditions, the fee is a few złoty per month. Konto bez Granic for diaspora customers has its own pricing structure published on pkobp.pl.
How do I apply for a PKO BP loan online?
You can apply for a cash loan at PKO BP via pkobp.pl, the IKO mobile app, iPKO online banking or at a branch. If you are an existing customer, a preliminary credit decision can be available within minutes thanks to pre-approved offers.
Can I get a 30-year mortgage at PKO BP?
Yes. PKO BP offers mortgages with repayment periods of up to 35 years for customers meeting creditworthiness criteria. Both variable-rate (WIBOR + margin) and temporarily fixed (first 5 years) options are available, for Polish-resident and foreign-resident Polish citizens alike.
Does PKO BP accept customers with a BIK history?
PKO BP checks credit history in BIK, like every Polish bank. A positive history improves your chances and terms. Minor past delays do not automatically mean rejection — the bank assesses the overall customer profile and current creditworthiness.
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.