Konto osobiste (Pakiet Easy)

UniCredit Pakiet Easy Personal Account – Review

Pakiet Easy is UniCredit's basic personal account, designed as a simple tool for everyday finances: transfers, card and BLIK payments, cash withdrawals. According to the current product data, this is a fee-free account in its most basic scope – the bank charges no fee for maintaining it and no fee for most everyday operations, as detailed below. This is an offer aimed primarily at people looking for a "clean" account without unnecessary fees and without having to meet conditions to keep the account free, rather than at people chasing a high welcome bonus.

The name "Easy" fits the product's philosophy well – instead of an elaborate grid of packages, thresholds and conditions, this is a single, simple account variant where most basic fees are simply set to zero from the start, with no "if you make X transactions, you pay less" tables. For the customer this means fewer things to track each month – there is no need to check whether a card-transaction limit or an incoming-funds threshold has been met to avoid a fee.

Fees and charges

The most important fact about Pakiet Easy is simple: PLN 0 for account maintenance, with no extra conditions to meet – the fee for maintaining the account in PLN and in other currencies is zero, unconditionally. The bank also charges nothing for instant transfers – neither domestic Express Elixir transfers nor European SEPA transfers – which is a genuine advantage, since at many banks instant transfers are billed separately.

External (standard domestic) transfers are free – the fee for them is PLN 0, both as the minimum and the maximum in the price list. The fee for the first card attached to the account is likewise zero, regardless of whether it is a virtual or a physical card – there is no additional monthly fee just for holding the card.

BLIK payments and withdrawals, both in physical stores and online, are free of charge. The same applies to cash withdrawals: UniCredit states PLN 0 for withdrawals from all ATMs in Poland and worldwide – both in its own network and in other banks' networks, domestic or foreign. It is worth noting one reservation stated explicitly in the card's terms: although UniCredit itself does not charge any fee here, the operator of a specific ATM (especially a private one outside the banking network) may add its own charge that the bank has no control over. This is not a UniCredit fee, but a real cost a customer could run into at certain ATMs abroad.

To sum up this section: the basic account, domestic transfers, instant domestic and European transfers, the first card attached to the account, BLIK payments and withdrawals, and ATM withdrawals at home and abroad are all free of charge on the bank's side within Pakiet Easy. It is a simple and transparent fee structure.

It is also worth noting that the account maintenance fee is zero not only in zloty but also "in other currencies" – the bank lets you open currency accounts in EUR, USD, GBP and CHF in the app with no maintenance fee, and currency exchange uses interbank rates (when the market is closed, the rate from the last business day).

Features and app

The account comes with a debit card (virtual and physical) supporting contactless and online payments – covering everything needed for everyday use both in physical stores and in e-commerce. The card can be added to digital wallets – the account supports both Google Pay and Apple Pay, so payments by phone or watch are available as soon as the card is activated. The bank also provides a mobile app for managing the account, transfers and card from a smartphone.

It is also worth highlighting how the bank handles the first card attached to the account – the customer does not have to commit upfront to a physical card, since the zero fee covers both a virtual card and a physical plastic card. This is a convenient setup for people who want to activate mobile payments (e.g. via Google Pay or Apple Pay) almost immediately after opening the account, before the physical card even arrives by post, and only later order a plastic card for cash withdrawals or contactless payments in places without phone-based NFC terminals.

In the currently available product data, there is no welcome premium or cash bonus for opening the account – the bonus amount field is empty, as is the description of the conditions for receiving it. In other words, this is an offer built around zero fees for everyday account use rather than around a one-off cash reward for opening an account. If UniCredit ran a bonus promotion for this account in the past, according to the current data it is no longer active – it is worth checking directly on the bank's website before applying, since this type of promotion can appear and disappear quickly and is not always immediately visible in the general fee schedule.

Who is it for

Pakiet Easy will suit above all people who want one simple account for everyday finances without worrying about conditions that waive fees – because here there simply are no fees, regardless of the number of card transactions or the amount of incoming funds. It is a good choice for customers who travel frequently or pay by card abroad and want to avoid extra bank commissions on cash withdrawals from foreign ATMs (bearing in mind the reservation about charges from the ATM operator itself). The account may also suit people who mainly use mobile payments and BLIK, since these operations are entirely free. It will appeal less to those who choose an account primarily based on the size of the welcome bonus – that argument is currently missing here.

The account may also appeal to people who already hold an account at another bank and are simply looking for an additional, "no-maintenance" backup account – with no fee for maintaining it, it does not generate any cost even if used only occasionally. Unlike accounts that require minimum incoming funds or a number of transactions, here a lack of activity does not trigger any fee, because no such condition exists in the price list.

How to open the account

Pakiet Easy is opened in the UniCredit mobile app, downloaded from Google Play or the App Store – after choosing Poland, the customer provides contact details, confirms their identity with mObywatel or a scan of a Polish ID card or passport, and accepts the agreement; according to the bank, the account is active as soon as the process is complete. A person with a restricted PESEL number cannot apply. The exact application steps should be checked in the app when applying, as the bank may update them.

An application made in the app does not require a branch visit, which fits the profile of this account as a "no unnecessary paperwork" product. Once the agreement is accepted and identity is verified, the customer gets access to online banking and the mobile app, and the physical card – if chosen instead of or alongside the virtual one – is sent by post to the address provided.

Summary

UniCredit's Pakiet Easy is an account built around simplicity and the absence of fees – for maintaining the account, domestic and instant transfers, the first card, BLIK payments and withdrawals, and cash withdrawals at home and abroad, the customer pays nothing on the bank's side. It is a sensible choice for people who want to avoid any fees for everyday banking and are not counting on a one-off welcome bonus, since such a bonus is currently not part of the offer. If a high account-opening bonus is the priority, it is worth looking at other offers – but if what matters is a transparent, fee-free everyday account, Pakiet Easy delivers that without surprises.