VeloKonto
VeloBank • PLN
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Our review
Adam Ostrowski · Updated: 3 September 2026
VeloKonto – VeloBank's offer
VeloKonto is VeloBank's basic personal account, maintained with no monthly fee.
Bonus and cashback
Customers can earn up to 600 PLN through an activity-based cashback program spread over 12 months (up to 50 PLN per month). Cashback is credited from the second tier of the Moje rachunki program, for purchases such as tickets, parking, e-vignettes and motorway tolls. Unused cashback expires 12 months after being credited.
Card and ATM withdrawals
The Mastercard card carries a 5 PLN domestic ATM withdrawal fee (waived to 0 PLN with at least 5 cashless transactions per month) and a card fee of up to 7 PLN (also waived under the same condition). Withdrawals within the PlanetCash network are free. Abroad — withdrawals are free within the EU, while a 4.5% fee (min. 10 PLN) applies outside the EU.
External transfers
External transfers are free.
Summary
VeloKonto suits customers who pay by card regularly — with at least 5 monthly transactions they avoid card and withdrawal fees, and can additionally earn up to 600 PLN a year in cashback.
✓ Pros
- ✓ Up to 600 PLN a year in activity cashback
- ✓ No monthly account fee
- ✓ Free external transfers
- ✓ Free withdrawals within the EU and the PlanetCash network
✕ Cons
- ✕ Card and domestic withdrawal fees apply without at least 5 monthly transactions
- ✕ 4.5% fee (min. 10 PLN) for withdrawals outside the EU
- ✕ Unused cashback expires after 12 months