Konto Przekorzystne

Konto Przekorzystne from Bank Pekao - review

Konto Przekorzystne is Bank Pekao's basic personal account, aimed at customers looking for a free everyday account - no monthly maintenance fee and no fee on outgoing transfers to other banks. The bank also advertises a large headline welcome bonus of up to PLN 2,700. In this review we check how much of that bonus is realistically achievable without extra effort, on what conditions the card and ATM fees are charged, and who this account actually makes sense for.

Fees and charges

Konto Przekorzystne has no monthly maintenance fee - it is unconditional, i.e. PLN 0 regardless of whether the customer meets any additional conditions (such as minimum inflows). Domestic transfers ordered in online and mobile banking are free as well. Fees apply to transfers ordered at a branch (PLN 10), through a phone consultant (PLN 5) and to Express Elixir transfers (PLN 5).

On the product page the bank offers a gold debit card with the account (Mastercard Debit Gold FX or Visa Debit Gold). Here things get more conditional. Customers under 26 pay nothing for it. Other new customers pay PLN 9 a month unless, in the previous month, at least PLN 1,000 in total was credited to the account (excluding cash deposits and transfers between own accounts), they made at least 5 cashless transactions with this card and kept their marketing consents for phone and electronic contact for the whole month - in that case the fee is PLN 0. With the gold card, withdrawals from ATMs in Poland and abroad carry no bank commission (the ATM operator may add its own fee), and foreign-currency transactions carry no currency conversion commission. The tariff also lists a standard Mastercard Debit FX card: it costs PLN 5 a month, or PLN 0 if in the previous month a single credit of at least PLN 500 in salary or other regular income arrived and at least 1 cashless transaction was made with it. Under the same condition, the first two withdrawals per month at other banks' ATMs in Poland and all withdrawals abroad are free with this card; without it, a withdrawal at another bank's ATM costs 2.5% of the amount, minimum PLN 6. Withdrawals from Bank Pekao's own ATMs are free regardless of account activity.

In practice this means the account is free "by default" only for account maintenance and online transfers - those two items always cost PLN 0, with no extra action required. A customer aged 26 or over who wants to avoid the gold card fee, however, needs to pay by card regularly (at least 5 transactions a month), make sure at least PLN 1,000 is credited each month and keep the marketing consents. For someone who has their salary paid into this account and pays by card for everyday shopping, this condition is met more or less automatically. For someone who uses the account rarely or mostly withdraws cash, it can mean a real, recurring card fee.

Welcome bonus - PLN 2,700 on paper, but read the fine print

The bank advertises Konto Przekorzystne with a bonus of up to PLN 2,700, but that figure is made up of two separate promotions with very different levels of difficulty: "Otwórz konto online i ruszaj po więcej – edycja IV" (up to PLN 300) and the "Promocja Podróżna" travel promotion (up to PLN 2,400). The first is for adults who had no account at Bank Pekao between 1.09.2024 and 30.09.2026 and have no credit product there; it can be joined from 1.10.2026 to 31.10.2026.

The first part is PLN 100 - you need to open the account with a card, Pekao24 and PeoPay online (on the bank's website or in the PeoPay app), log in, give the marketing consents and make at least one cashless card transaction within 14 days of signing the agreement. This is the easiest stage of the whole bonus, but it is not a reward for simply opening the account.

The second part is up to PLN 200 for activity - PLN 100 for each of the two calendar months following the month the account was opened in which the customer makes at least 10 cashless transactions with the account's card. In other words: an account opened in October requires card activity in November and December to earn this part of the bonus, not in October itself. For an account used daily for regular shopping this is a realistic condition, but it does require consciously "checking off" two full months of card activity. Simply opening the account and making an initial deposit is not enough to get this part of the bonus.

The third and largest part is up to PLN 2,400 under the separate "Promocja Podróżna" (travel promotion), which you join on the day you sign the account and gold card agreements (from 1.10.2026 to 12.01.2027 or until 40,000 accounts are opened; for people who had no agreement with the bank between 1.10.2024 and 30.09.2026). For 12 months, for payments with the gold card or BLIK, the bank records "travel returns" in a virtual wallet: 3% of the value of the first 20 transactions in a month (max. PLN 100) and 6% from the 21st transaction, up to PLN 200 a month and PLN 2,400 over the whole promotion. The recorded returns are not money yet - the bank pays them to the account or a Skarbonka savings account as rewards of 20% of travel spending (fuel, plane, train and coach tickets excluding city transport, package tours), up to the amount accumulated in the wallet and up to PLN 2,000 per reward. In other words, the headline "PLN 2,700" is the sum of the easiest part (PLN 300, achievable through ordinary account use) plus the upper limit of the travel promotion, whose real value depends both on how much you spend by card and on how much you spend on travel.

Features and app

The account is served through the PeoPay mobile app and Pekao24 online banking - these are the two channels the bank itself lists as one of the ways to open the account. The card and app support BLIK, NFC (contactless payments), and integration with Google Pay and Apple Pay - in other words, the full set of today's popular mobile payment methods, usable via phone or watch without needing to carry the physical card at all. The card also supports standard online payments, and the bank also lists Garmin Pay and a payment ring among the payment methods.

In practice this means a customer who mainly pays with their phone can rely comfortably on BLIK and NFC contactless payments, while the physical card remains mostly a backup for cash withdrawals and online payments where BLIK is not supported.

Who this account is for

Konto Przekorzystne suits, above all, people under 26 and those who already pay by card more than a few times a month and have regular monthly inflows of at least PLN 1,000 - for them, running the account, the gold card and ATMs will be free on the bank's side. For customers looking for a simple, free account for transfers, without any ambition to meet the card's extra conditions, the account still makes sense, because the maintenance fee and online transfers are unconditionally free. Anyone counting mainly on the full PLN 2,700 bonus should be aware that PLN 300 is realistically achievable through ordinary account use, while the rest depends on joining the travel promotion and on travel spending.

How to open Konto Przekorzystne

The account can be opened online on the bank's website (identity verification by logging into another bank or by a selfie with a photo of your ID), in the PeoPay app with a selfie, or at a branch or partner outlet. The first promotion ("Otwórz konto online i ruszaj po więcej") requires opening the account online or in PeoPay, and for both promotions the account and card agreements must be signed on the same day. The required marketing consents must also be given at the account-opening stage - it is worth paying attention to this in the form, since skipping it may mean losing the bonus. Only adults can submit the online application.

After opening the account, it is worth making the first card transaction straight away (14 days for the first stage), planning 10 transactions in each of the two following calendar months, and reading the terms of the "Promocja Podróżna" if the third, largest part of the bonus matters to you.

Summary

Konto Przekorzystne is a solid choice for people who want free account maintenance and free online transfers with no conditions attached, and who are either under 26 or willing to pay regularly by card and keep monthly inflows at PLN 1,000 or more to avoid the gold card fee. The headline PLN 2,700 bonus is only partly achievable without extra effort - PLN 300 comes from active card use in the first months, while the rest depends on joining the separate "Promocja Podróżna" and on travel spending paid by card or BLIK. Before opening the account with the full bonus in mind, it is worth reading the terms of both promotions.