Ongoing banking

Select the Aurum or Platinium II account that is right for you

PLN 0 for account maintenance with appropriate inflows or balances on deposits 1

PLN 0 for withdrawals from ATMs in Poland and abroad with a multi-currency card connected to a foreign currency account 2

You exchange currencies at attractive rates in the online exchange office available 24/7 in the IKO mobile application and the iPKO website

Bezcenne Chwile program with your Mastercard debit card

You have free one-year access to the Empik Premium service with a Mastercard debit card

Financing your needs

You have a Mastercard Platinum credit card at your disposal with an extensive insurance package and Concierge service

You can use a cash loan for any purpose, the amount and terms of which you will set individually with the advisor

In urgent occasions or during unplanned expenses, you can quickly and easily use the renewable limit of up to 150,000. PLN or an overdraft facility up to 5 thousand. zloty

You have a lower mortgage margin . You can finance up to 90% of the property value

- APRC for a loan at PKO Bank Polski: 8.05% - APRC for a loan at PKO Bank Hipoteczny: 8.07%

Investing and saving

You can use the free investment advice of PKO Inwestomat at the adviser in the branch and on the iPKO website or the IKO 3 mobile application

In the Akcjomat investment program, you choose a ready-made investment strategy 4

You have access to a wide range of investment and pension funds PKO TFI 4

You can use the offer of the Brokerage House and invest in global markets

Protection and security

You get a 20% discount on the OnkoPlan and Bezpieczny Plan 5 insurance packages :

- OnkoPlan - in the event of your first oncological disease, also with the option of foreign treatment
- Bezpieczny Plan - protection of relatives in the event of your death

You can take advantage of motor OC / AC insurance - we will compare the offer of the best insurance companies for you

Secure your house or flat, among others against damage - PKO Dom insurance

Provide children with specialist medical assistance and 24/7 support in the event of accident - child insurance

Check out additional services

Take advantage of special offers and promotions in the Privileges Program

Teach your children to manage money - open a Child Account or a First Account

Enjoy a wide selection of new and used cars on the Automarket platform

Give a gift to your loved ones - buy gift cards, incl. XBOX, PS, Spotify

Do not stand at the gates on the motorway - conveniently pay for the trip in the IKO mobile application

Set up a Trusted Profile and deal with official matters online