Blog
Guides and bank offer comparisons — in plain English, straight to the point.
Bank Profits Set to Fall 30% in 2026. What It Means for Customers
ZBP forecasts a roughly 30% drop in Polish bank profits in 2026 due to a CIT hike to 30%. Here's what it could mean for account fees, loan margins, and savings rates.
Latest articles
14 articles
Guide
What RRSO Really Means vs. the Nominal Interest Rate
Poland's RRSO isn't the same as a loan's nominal interest rate. See a simple worked example and a checklist for comparing loan offers.
Market commentary
EU Court Rules on Swiss-Franc Loan Settlements: What Changes
The CJEU ruled on 10 September 2026 on how banks and Swiss-franc borrowers must settle up after a loan is invalidated (case C-510/25). Here is what it means for interest and your case.
Guide
How to Check Your Account Balance in the Banking App
A simple, step-by-step guide to checking your account balance in your banking app from home, plus what to do if something looks wrong.
Market commentary
PKO BP Becomes First Polish Bank to Offer POLSTR Mortgages
From September 3, 2026, PKO BP became Poland's first bank offering mortgages based on the POLSTR benchmark instead of WIBOR. Here's what the switch really means for borrowers and how to compare offers.
Guide
How to Set Up Direct Debit So Your Bills Pay Themselves
A step-by-step guide to setting up direct debit so your electricity, internet, and phone bills get paid automatically — without mistakes or stress.
Market commentary
Poland's Central Bank Freezes Interest Rates in September. What It Means for You
Poland's Monetary Policy Council kept interest rates unchanged in September, despite earlier signals of a cut. Here's what it means for loans and savings.
Guide
How to Make Your First Bank Transfer
A step-by-step guide to making a regular bank transfer in your banking app, from entering the account number to confirming with an SMS code, so you don't get lost.
Market commentary
KNF's Final Fine on XTB: What It Means for Your Money
Poland's financial regulator KNF upheld a 20 million zloty fine on broker XTB. Here's why it matters, and what it teaches about choosing safe, regulated financial products.
Guide
How to Order a Virtual Card in Your Banking App
A step-by-step guide to ordering a virtual card in your banking app — no branch visit, no waiting for the post. Simple instructions for anyone using mobile banking for the first time.
Market commentary
NBP Wants Banks Legally Bound to Guarantee Cash Access
Poland's central bank NBP proposes a law forcing banks to guarantee cash access. See why, and what to check before choosing a personal account.
Guide
How to Turn On Round-Up Savings in Your Banking App
A simple, step-by-step guide to turning on round-up savings in your banking app, so card payments are rounded up and the change goes straight into your savings automatically.
Market commentary
Poland's Inflation Accelerates to 3.4%: What It Means for Your Savings and Loan
GUS: Poland's inflation accelerated to 3.4% YoY in August, a 14-month high. See how rising fuel and energy prices affect your savings, deposits and loan payments, and what the RPP may do next.
Guide
How to Add a Card to Apple Pay on Your iPhone
A simple, step-by-step explanation of how to add a payment card to Apple Pay on your iPhone. Plain and simple, with tips for when something goes wrong.
Market commentary
NBP Rate Instead of WIBOR in Mortgages? Poland's Ministry Asks ECB
Poland's Ministry of Finance has asked the NBP and ECB whether mortgage rates could be based on the central bank's reference rate instead of WIBOR. Here's what that could mean for your loan payment.
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