PKO Bank Polski, founded in 1919, is the largest universal bank in Poland. It offers cash loans, mortgages, personal and business accounts, savings accounts and deposits for both retail and corporate customers.
Why choose PKO Bank Polski?
- Poland's largest bank with over a century of history and strong financial stability
- Widest branch and ATM network in Poland — 1,000+ branches and 3,000+ ATMs
- 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).
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
- 5.90%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,334 PLN
Kredyt mieszkaniowy Własny kąt
PKO Bank Polski
- APR
- 6.10%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,455 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
- 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
- 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 the largest bank in Poland and in Central and Eastern Europe, serving more than 11 million customers.
- 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.
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. See pkobp.pl for the current pricing.
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.
What interest rates do PKO BP deposits offer?
PKO BP deposit rates depend on the period and amount, with periodic promotions for new money. Current rates are available in our deposit ranking — data is refreshed in real time from bank APIs.
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.
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.