VeloBank is a bank founded in 2022 as a result of the forced restructuring of Getin Noble Bank, and in 2023 it was sold by BFG to Cerberus Capital Management. It serves 800,000 customers in Poland, offering loans, accounts and deposits. The lowest cash loan APR at VeloBank is currently 8.41%.
Why choose VeloBank?
- A fresh start on the Polish market — new strategy and intensive promotions
- Attractive savings accounts with high rates for new money
- Branch network inherited from Getin Noble Bank — access in many cities
- Comprehensive offer: accounts, loans, mortgages, cards, deposits
- Polish brand being built from scratch with technology investments
Editorial rating
- Offers 4.4
- Service 4.1
- Online banking 4.3
- Costs 4.2
About the bank VeloBank
VeloBank was created in September 2022 as a result of the forced restructuring of Getin Noble Bank, carried out by the Bank Guarantee Fund. The healthy part of the former Getin Noble Bank was transferred to VeloBank — including customer deposits, consumer loans and operational infrastructure. In 2023 VeloBank was sold to the American fund Cerberus Capital Management.
Under its new owner, VeloBank is investing heavily in new products and marketing, positioning itself as a modern universal bank. It serves around 800,000 customers with Velo Konto personal accounts, cash and consolidation loans, mortgages, credit cards, savings accounts and deposits with attractive promotional rates. The bank has a branch network inherited from Getin Noble Bank.
Active offers
We show the currently active offers and always link to the latest version.
Cash loans
View all offers →Pożyczka gotówkowa
VeloBank
- APR
- 8.41%
- Amount
- 20,000 PLN
- Term
- 48 months
- Instalment
- 489 PLN
Mortgages
View all offers →Kredyt hipoteczny VeloDom
VeloBank
- APR
- 6.15%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,531 PLN
Kredyt hipoteczny VeloDom
VeloBank
- APR
- 5.79%
- Amount
- 400,000 PLN
- Term
- 30 months
- Instalment
- 2,306 PLN
Personal accounts
View all offers →VeloKonto
VeloBank
- Monthly fee
- Free
VeloKonto od 18 do 26 lat
VeloBank
- Monthly fee
- Free
Savings accounts
View all offers →"Nowe środki na Elastycznym Koncie Oszczędnościowym"
VeloBank
"Nowe środki na Elastycznym Koncie Oszczędnościowym"
VeloBank
"Nowe środki na Elastycznym Koncie Oszczędnościowym"
VeloBank
Deposits
View all offers →Lokata na Nowe Środki
VeloBank
- Interest rate
- 0.00%
- Term
- 6 miesięcy
VeloLokata dla Aktywnych
VeloBank
- Interest rate
- 0.00%
- Term
- 6 miesięcy
Pros and cons
Pros
- Attractive welcome and savings account promotions
- Branch network in many Polish cities
- Mortgages in the offer — uncommon for a bank of this size
- A young brand investing in modern solutions
Cons
- Short track record as a new brand — still building trust
- The shadow of Getin Noble Bank may concern some customers
- Mobile app still catching up with the leaders
How to apply — VeloBank
VeloBank is a new bank created in 2022 through the forced restructuring of Getin Noble Bank, now growing dynamically under new ownership.
- 1
Choose a VeloBank offer
Check current VeloBank products in our loan, account and deposit rankings.
- 2
Go to the bank
Click the CTA to go directly to the VeloBank application page.
- 3
Fill in the application
Use velobank.pl or the mobile app. Prepare your ID and income documents.
- 4
Await a decision
Loan decisions are usually issued within hours and accounts are opened in minutes.
Frequently Asked Questions
What is VeloBank and where does it come from?
VeloBank is a new bank created in September 2022 as a result of the forced restructuring of Getin Noble Bank by the Bank Guarantee Fund. Customer deposits and the healthy part of the business were transferred to VeloBank. In 2023 the bank was sold to Cerberus Capital Management.
Are deposits at VeloBank safe?
Yes. VeloBank is supervised by KNF and is a BFG member, which guarantees deposits up to EUR 100,000 per customer. The bank was also created under the auspices of BFG itself. All deposits of former Getin Noble Bank customers were and are fully protected.
Are former Getin Noble Bank customers automatically VeloBank customers?
Yes — during the restructuring, all retail customers of Getin Noble Bank were automatically transferred to VeloBank together with their accounts, deposits and savings. Account numbers remained the same and service continued without interruption.
What loans does VeloBank offer?
VeloBank offers cash, consolidation and mortgage loans. Cash loan APR is competitive and the bank regularly runs promotions. Mortgages are available in variable and temporarily fixed rate variants.
What are VeloBank savings account rates?
VeloBank often offers savings accounts with promotional rates for new money — among the highest on the market. Current rates are in our savings account ranking or directly on velobank.pl.
How do I open a VeloBank account online?
You can open a personal account remotely via velobank.pl or the mobile app using mObywatel, video verification or a verification transfer. The whole process takes a few minutes.
Does VeloBank have a good mobile app?
The VeloBank mobile app is functional and supports all basic operations, including BLIK, transfers and contactless payments. It is still being developed and not yet on par with segment leaders (mBank, Santander), but the bank is actively investing in it.
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.