PKO Bank Polski

You can open a PKO BP account in the IKO app (confirming your identity with mObywatel or a selfie with your ID), through the iPKO online service, at a branch with your ID card or passport, or by phone, with a courier bringing the agreement for signature. The application requires, among other things, your PESEL number, ID card details, a mobile number from a Polish operator and an email address. Until you show your ID at a branch, an account opened remotely may work in limited mode.

Yes. According to the bank's website, PKO Konto za Zero costs 0 zł a month with no requirement for incoming payments, and the card is free if you make at least 5 cashless card or BLIK transactions in the billing period (otherwise 10 zł). For people aged 13-26 there is PKO Konto dla Młodych, with 0 zł account maintenance and a free card if you make at least 2 cashless transactions (otherwise 5 zł).

PKO BP runs three ELIXIR sessions on business days. Outgoing transfers to other banks are sent in the sessions at 8:00, 11:45 and 14:30, and incoming transfers are booked in the sessions at 11:30, 15:10 and 17:30. For a faster transfer you can use an Express ELIXIR instant transfer, provided the recipient's bank supports this system.

Interest on PKO BP term deposits depends on the type of deposit and its term, and the bank changes its rates over time. The offer includes, among others, a deposit for new funds (Lokata na nowe środki) with a fixed rate for the contract period. If you break a deposit early, you get back the money you paid in without interest. Check current rates on pkobp.pl or in the IKO app.

PKO BP's hotline is available 24/7 at 800 302 302 (free from domestic numbers) and +48 81 535 60 60 (from abroad and from mobile phones, at your operator's rates). The bank also offers a chat: on business days from 8:00 to 22:00, and on Saturdays and Sundays from 9:00 to 17:00. You can also handle matters at a branch.

Yes, PKO BP offers the IKO app for iOS and Android phones. It has a high average user rating in the App Store (about 4.8 out of 5). The app lets you pay with BLIK, make transfers, manage cards and their limits, and open term deposits and savings accounts, among other things.