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PKO Bank Polski
State-owned

PKO Bank Polski

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PKO Bank Polski is the largest bank in Poland and one of the leading banks in Central and Eastern Europe. It operates an extensive branch ne... Read more →

4 active offers 3 categories
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Key facts
Founded 1919
Branches 1 219
Digital payments BLIK · Apple Pay · Google Pay
Helpline 24/7
Jump to: Mortgage loans Personal accounts Business accounts

Mortgage loans

1 offer

PLN Top 3

Kredyt mieszkaniowy Własny kąt

  • Oprocentowanie: 5.72%
  • RRSO: 5.89%
  • Marża: 1.87%
  • Oprocentowanie stałe
Min: 400 000 PLN Max: 400 000 PLN 3 hours ago
5.89%
APR
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Personal accounts

2 offers

PLN

PKO Konto Bez Granic

  • Opłata: 17.00–17.00 zł/mies.
  • Darmowe przelewy zewnętrzne
3 hours ago
Apply
PLN

Konto za Zero

  • Premia: 1500 zł
  • Bez opłat za prowadzenie
  • Darmowe przelewy zewnętrzne
3 hours ago
1 500 PLN
bonus
Apply

Business accounts

1 offer

PLN

PKO Konto Firmowe

  • Premia: 5000 zł
  • Opłata: 0.00–12.00 zł/mies.
  • Przelew zewnętrzny: do 1.10 zł
3 hours ago
5 000 PLN
bonus
Apply

Key facts

Founded

1919

Headquarters

Warszawa

Total assets

418,0 mld PLN

Employees

26 000

Customers

11 500 000

Branches

1 219

Find a branch →

SWIFT/BIC

BPKOPLPW

Ownership

State-owned

Helpline

24/7

BFG

BFG Guarantee

Deposits are guaranteed by the Bank Guarantee Fund (BFG) up to the equivalent of €100,000 per person.

Digital payments

✓ BLIK
✓ Apple Pay
✓ Google Pay

ATMs

3 300 ATMs
BankomatPKO

About the bank

PKO Bank Polski is the largest bank in Poland and one of the leading banks in Central and Eastern Europe. It operates an extensive branch network across the country and offers a full range of financial services for retail and corporate clients, including loans, mortgages, accounts, deposits and investment products.

Transfer session hours

Transfer type Session / Cutoff time
ELIXIR — outgoing 08:00, 11:45, 14:30
ELIXIR — incoming 11:30, 15:10, 17:30
Express ELIXIR 24/7

Mobile app

Download on App Store Download on Google Play

Social media

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Customer reviews

No reviews yet. Be the first!

Frequently asked questions

How to open an account at PKO Bank Polski? ＋
You can open an account at PKO BP online via the iPKO service or IKO app, at a branch, or through a courier. The online process takes a few minutes — you only need an ID card and PESEL number.
Does PKO BP offer a free personal account? ＋
Yes, PKO BP offers a free PKO Youth Account (up to age 26) and a Konto za Zero account, which is free when activity conditions are met (e.g. monthly inflows of at least PLN 1,000 or 5 card transactions).
What are the ELIXIR transfer session hours at PKO BP? ＋
PKO BP processes three ELIXIR sessions per business day. Outgoing transfers: 08:00, 11:45, 14:30. Incoming transfers arrive around 11:30, 15:10, and 17:30. Instant Express ELIXIR transfers are available 24/7.
What interest rates do PKO BP deposits offer? ＋
PKO BP deposit rates depend on the term and current promotions, typically ranging from 2–5% per year. The best rates apply to term deposits with a fixed maturity date and fresh funds. Check the latest rates at pkobp.pl.
How to contact PKO BP customer service? ＋
PKO BP customer service is available at 800 302 302 (toll-free), 24/7. You can also use the in-app chat in IKO or visit one of over 1,000 branches across Poland.
Does PKO BP have a mobile app and how is it rated? ＋
Yes, PKO BP offers the IKO app — one of the most popular banking apps in Poland. Available on iOS and Android, it is highly rated (4.7/5 on the App Store). Features include BLIK payments, transfers, card and deposit management.

Key facts

Bank website www.pkobp.pl
Helpline 24/7
Branches 1 219
SWIFT/BIC BPKOPLPW
Find a branch →

Mortgage loans

Offers from PKO Bank Polski: loans, deposits, personal and business accounts.

See ranking →