Nest Konto

Nest Konto – Nest Bank's fee-free personal account with a bonus of up to PLN 1,060

Nest Konto is Nest Bank's basic personal account, aimed at customers looking for a simple, free account for everyday banking. Instead of a bundle of premium features, the bank focuses on two things: no fees for basic account maintenance, and support for the most popular mobile payment methods - BLIK, Google Pay and Apple Pay. This is an offer worth considering mainly for people who want to avoid any fixed account-keeping costs, while being willing to pay by card regularly in order to make full use of the bonus on offer. The account can be opened independently by an adult with full legal capacity who lives in Poland; for a child, a parent who is a bank customer can open a Nest Konto Samodzielne.

Fees and charges

According to the product data, Nest Konto does not charge a fee for maintaining the account - both the minimum and maximum value of this fee is PLN 0, and the bank does not list any additional conditions that need to be met to benefit from this exemption. This is a genuine, unconditional benefit, unlike many accounts on the market where "PLN 0 for maintenance" only applies given a certain minimum inflow or a minimum number of card transactions per month.

The situation is similar for outgoing transfers - the fee for an external transfer from the account is also PLN 0, with no upper or lower range suggesting any costs in a typical usage scenario.

A debit card is issued with the account, and the first card is free. A card withdrawal at an ATM in Poland outside the Euronet network costs PLN 6, while withdrawals at Euronet ATMs are free - if you mainly use ATMs from this network, you will in practice avoid this fee almost entirely. According to the bank's website, BLIK withdrawals at other banks', Euronet and Planet Cash ATMs are also free. A card withdrawal abroad costs PLN 6, regardless of the ATM network. The real cost therefore mainly comes from card withdrawals at ATMs outside the Euronet network domestically, or at any ATM abroad.

Bonus and additional features

Nest Bank runs the "Zyskaj do 1060 zł za wynagrodzenie i aktywność" promotion for this account (join from 1.10.2026 to 31.03.2027), but it is worth looking closely at how it is structured, because the headline figure does not mean a quick, one-off payout. It is open to adults living in Poland who have not held a personal account at the bank since 1 January 2026. You need to tick the promotion in the application, give marketing consent (at least SMS/MMS plus online banking and the app) and sign the agreement within 14 days of applying.

The first part is a salary bonus of up to PLN 700 in total: PLN 200 for the first salary inflow (no later than the end of the second full month after the month of opening), then PLN 50 for each month with a salary inflow, for up to 10 consecutive months. The inflow must be at least PLN 1,500 for customers under 26, or PLN 3,000 for those aged 26 or over. The second part is a purchase refund: 2% of card and BLIK payments in any month in which the salary arrives, capped at PLN 30 a month for 12 consecutive months, i.e. up to PLN 360.

From the customer's perspective, this means the advertised PLN 1,060 should be treated as a reward for moving your salary to Nest Bank for roughly a year. To get the maximum PLN 30 refund in a month, you need to spend about PLN 1,500 by card or BLIK. In any month in which marketing consent is withdrawn for even one day, that month's bonus and refund are lost, and missed months do not extend the promotion period.

Beyond the bonus, Nest Konto offers a standard set of digital features: a mobile app for managing the account, BLIK payments, and support for digital wallets including Google Pay (Google Wallet) and Apple Pay. The card issued with the account also supports contactless and online payments, and it can be used to withdraw cash free of charge when paying in a shop (cashback).

Who is it for

Nest Konto is best suited to people who are primarily looking for an account with no maintenance fee and no transfer fees, and who can also move their salary to Nest Bank - only then will they actually capture the larger part of the bonus on offer. Customers looking for a quick, one-off bonus simply for opening an account may be disappointed: the bonus is paid in parts over roughly a year and requires a salary inflow of the required size every month plus continuous marketing consent.

How to open the account

The account can be opened with an application on the bank's website and identity verification during a video call with an adviser (a Polish ID card is needed), in the mobile app (identity confirmed via mObywatel or an e-ID plus a selfie video), or by confirming identity with a PLN 1 transfer from a supported bank; passports and other EU ID documents are accepted only at a branch. Once verification is completed, the customer gains access to online banking and the mobile app, through which they can manage the account, activate the debit card and use BLIK and digital wallets.

Pros and cons

Nest Konto's biggest strengths are the lack of an account maintenance fee and free external transfers - both are unconditional, which sets this offer apart from accounts where zero fees depend on meeting additional monthly conditions. Other pluses include broad support for modern payment methods and the ability to withdraw cash for free at Euronet ATMs.

On the downside, the structure of the bonus stands out first - it requires a regular salary inflow (PLN 1,500 or 3,000) for over a year and marketing consent kept in place throughout. On top of that, there is a PLN 6 fee for card withdrawals outside the Euronet network and PLN 6 for withdrawals abroad, which may be noticeable for people who often use other ATM networks or travel regularly.

Summary

Nest Konto is a solid, free personal account - zero złoty for account maintenance, zero złoty for online transfers and the first card, plus full support for BLIK and digital wallets. The promotional bonus of up to PLN 1,060, however, requires moving your salary to the bank for roughly a year: PLN 200 to start, up to PLN 500 in monthly instalments and up to PLN 360 in purchase refunds. This account suits people who want to keep their main account here better than bonus hunters looking for a fast payout. If you want a free account for everyday banking and value the lack of conditions on the basic fees, Nest Konto is a reasonable choice.