Konto Otwarte na Ciebie
BNP Paribas Bank Polska • PLN
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Our review
Adam Ostrowski · Updated: 3 September 2026
Konto Otwarte na Ciebie – BNP Paribas account overview
Konto Otwarte na Ciebie is BNP Paribas Bank Polska's basic personal account, maintained with no monthly fee and no conditions required to keep it that way.
Welcome bonus
Under the current promotion, new customers can earn up to 1000 PLN. The main part is up to 900 PLN — 75 PLN for each month (up to 12 months) in which the customer ensures an inflow of at least 1000 PLN, makes at least 7 cashless card transactions, and logs into the GOmobile app at least once. An additional 100 PLN is available for opening a Konto Lokacyjne or Konto Pełne Marzeń savings account and keeping a balance of at least 100 PLN on it after 12 months. Marketing consent must be maintained throughout the promotion period to remain eligible.
Card and transfers
The account comes with the Karta Otwarta na Świat card, supporting contactless, online payments and cashback. Domestic ATM withdrawals with the card are free; foreign ATM fee terms depend on the current “Podróżnik” promotion. External transfers are free.
Summary
Konto Otwarte na Ciebie is an attractive option for customers looking for a fee-free account with an extensive bonus program — up to 1000 PLN spread over roughly a year of activity. Read the promotion terms carefully, as the conditions are multi-stage.
✓ Pros
- ✓ Bonus up to 1000 PLN spread over about a year
- ✓ No monthly account fee
- ✓ Free external transfers
- ✓ Free domestic ATM withdrawals
✕ Cons
- ✕ Bonus conditions are multi-stage, spread over 12 months
- ✕ Marketing consent required throughout the promotion to keep bonus eligibility
- ✕ Foreign ATM fee terms depend on the promotion and may change