Konto Przekorzystne (do 26 lat)

Konto Przekorzystne (do 26 lat) - Review

Konto Przekorzystne (do 26 lat) is a version of Bank Pekao's flagship personal account, designed for young customers - pupils, students and people starting out in the job market who have not yet turned 26. In practice it is the same account as the standard Konto Przekorzystne for adult customers, but with an additional, unconditional card-fee waiver until the account holder turns 26. We checked the current offer directly on the bank's own website and compared it against our database - below we describe the terms as they stand today, together with the promotions currently running and their deadlines.

Fees and charges

Maintaining Konto Przekorzystne (do 26 lat) is free of charge, with no conditions attached - the bank does not charge a maintenance fee either before or after the account holder turns 26. Domestic transfers ordered in online and mobile banking are also free (at a branch such a transfer costs PLN 10).

The account comes with a gold debit card (Mastercard Debit Gold FX or Visa Debit Gold). Until the account holder turns 26, the card is exempt from fees unconditionally. After that age, keeping the card fee at PLN 0 instead of PLN 9 a month requires, in the previous calendar month, inflows totalling at least PLN 1,000 (excluding cash deposits and transfers between own accounts), at least 5 cashless transactions with this card, and keeping the required marketing consents (phone contact and electronic commercial information) in place - withdrawing them breaks the condition. This is a real limitation worth keeping in mind if you plan to stay with the account beyond your 26th birthday.

Cash withdrawals with the card at ATMs in Poland and abroad are free - the bank charges no commission of its own (the ATM operator may still charge its own fee, which is shown on screen before the withdrawal). Card payments in foreign currency are converted at the payment scheme's exchange rate, with no bank currency conversion commission.

The full list of other fees and commissions (for example, a replacement card or branch transfers) is published by the bank in its Tariff of Fees and Commissions - worth checking before opening the account if you plan to use it beyond the basics.

Features and app

The card supports online and contactless payments. A full range of mobile payment options is also available: Google Pay, Apple Pay, BLIK and NFC, with the whole account managed through the PeoPay app and Pekao24 online banking.

The current account-opening bonus under the "Otwórz konto online i ruszaj po więcej – edycja IV" promotion is up to PLN 300. It is open to adults who had no account at Bank Pekao between 1.09.2024 and 30.09.2026 and have no credit product there. It is split into two parts:

• PLN 100 for opening the account online (on the bank's website or in PeoPay) with a card, the PeoPay app and Pekao24, logging in, giving the required marketing consents and making at least one card transaction within 14 days
• up to PLN 200 for activity - PLN 100 for each of the 2 calendar months following the month the account was opened in which you make at least 10 cashless card transactions

That is a realistic bar - ten transactions a month is two or three payments a week, so people who actually use the account day to day should be able to collect the full PLN 300. The promotion can be joined from 1 to 31 October 2026 - after that the terms may change in a new edition.

A separate, additional benefit is the "Promocja Podróżna" (Travel Promotion) - you can sign up for it when opening the account with the gold card, until 12 January 2027 (or until 40,000 accounts are opened). For 12 months, for payments made with the gold card or via BLIK, the bank credits virtual "travel refunds": 3% of the transaction value for the first 20 transactions in a month (up to PLN 100), and 6% from the 21st transaction onward, up to PLN 200 a month in total. The accumulated amount can be exchanged for a reward equal to 20% of the value of a travel-related purchase (fuel, plane/train/coach tickets, holiday packages), up to PLN 2,000 for a single reward and up to PLN 2,400 in total. That's a genuine benefit for frequent travellers, but keep in mind the "refund wallet" is a virtual counter - the real money only lands on the account or the Skarbonka savings pocket when a specific reward is actually paid out, not automatically. The bank gives an example: 20 transactions totalling PLN 3,300 put PLN 99 in the wallet (3%), a 21st transaction of PLN 300 adds PLN 18 (6%), and paying PLN 200 for fuel by card adds another PLN 12 and immediately triggers a reward of PLN 40 (20% of that spend) to the account or Skarbonka. Excluded from the refund pool are, among others, online casinos, games of chance and bookmakers, purchases at liquor stores and alcohol wholesalers and at tobacco shops, as well as money transfers and e-wallet top-ups, and public transport tickets are excluded from the list of eligible travel expenses.

Who is it for

The account works best for pupils, students and young working people under 26 who want a free account with no age-related catches. It's also a good fit for people who often pay by card abroad or travel a lot - thanks to zero foreign ATM fees, no currency-conversion markup, and the additional Travel Promotion. Anyone planning to stay a customer of the bank beyond their 26th birthday should keep the card's activity requirement in mind (PLN 1,000 inflow plus 5 payments a month), which kicks in once the age limit is passed. Only adults who are consumers, live in Poland, have full legal capacity and had no agreement with the bank between 1.10.2024 and 30.09.2026 can join the "Promocja Podróżna" - worth checking before signing up, especially if the account is being opened by someone only just becoming an adult.

How to open the account

• Fill in the application online on the bank's website and choose an identity-verification method (logging into another bank's online banking, i.e. AIS, or a selfie)
• The account can also be opened in the PeoPay mobile app (selfie verification), at a bank branch, or at a partner outlet
• To join the "Promocja Podróżna", the account and card agreement must be signed on the same day, the promotion's terms accepted, and the required data-processing consents given

Pros and cons

The main advantages of this account:

• Free account maintenance, regardless of age
• Zero ATM fees at home and abroad
• No bank markup on card currency conversion
• Bonus of up to PLN 300 for opening online and card activity
• Additional travel bonus of up to PLN 2,400

Worth keeping in mind:

• The PLN 300 bonus requires 10 card transactions in each of two months
• The PLN 300 promotion can only be joined until 31.10.2026, the travel one until 12.01.2027
• After turning 26, the card needs activity to stay free
• Travel refunds are virtual points, not cash

Summary

Konto Przekorzystne (do 26 lat) is a solid choice for young customers: the account and the gold card are genuinely free until age 26, with no strings attached, plus ATM withdrawals at home and abroad with no bank commission and no currency conversion commission. The current welcome bonus - up to PLN 300 for opening the account online and paying by card regularly - is achievable with everyday use of the account. If you also travel a lot and pay by card or BLIK, it's worth considering signing up for the "Promocja Podróżna" too, which can add up to PLN 2,400 over a year. The deadlines are short: the PLN 300 promotion can be joined until 31 October 2026 and the travel one until 12 January 2027.