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PKO Bank Polski
PKO Bank Polski
PKO Bank Polski is the largest bank in Poland and one of the leading banks in Central and Eastern Europe. It operates an extensive branch ne... Read more →
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Key facts
Founded
1919
Digital payments
Apple Pay · Google Pay
Key facts
Founded
1919
Headquarters
Warszawa
Total assets
418,0 mld EUR
Employees
26 000
Customers
11 500 000
Ownership
State-owned
Digital payments
✓
Apple Pay
✓
Google Pay
ATMs
3 300
ATMs
BankomatPKO
About the bank
PKO Bank Polski is the largest bank in Poland and one of the leading banks in Central and Eastern Europe. It operates an extensive branch network across the country and offers a full range of financial services for retail and corporate clients, including loans, mortgages, accounts, deposits and investment products.
Transfer session hours
| Transfer type | Session / Cutoff time |
|---|---|
| ELIXIR — outgoing | 08:00, 11:45, 14:30 |
| ELIXIR — incoming | 11:30, 15:10, 17:30 |
| Express ELIXIR | 24/7 |
Mobile app
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Frequently asked questions
How to open an account at PKO Bank Polski? ＋
You can open an account at PKO BP online via the iPKO service or IKO app, at a branch, or through a courier. The online process takes a few minutes — you only need an ID card and PESEL number.
Does PKO BP offer a free personal account? ＋
Yes, PKO BP offers a free PKO Youth Account (up to age 26) and a Konto za Zero account, which is free when activity conditions are met (e.g. monthly inflows of at least PLN 1,000 or 5 card transactions).
What are the ELIXIR transfer session hours at PKO BP? ＋
PKO BP processes three ELIXIR sessions per business day. Outgoing transfers: 08:00, 11:45, 14:30. Incoming transfers arrive around 11:30, 15:10, and 17:30. Instant Express ELIXIR transfers are available 24/7.
What interest rates do PKO BP deposits offer? ＋
PKO BP deposit rates depend on the term and current promotions, typically ranging from 2–5% per year. The best rates apply to term deposits with a fixed maturity date and fresh funds. Check the latest rates at pkobp.pl.
How to contact PKO BP customer service? ＋
PKO BP customer service is available at 800 302 302 (toll-free), 24/7. You can also use the in-app chat in IKO or visit one of over 1,000 branches across Poland.
Does PKO BP have a mobile app and how is it rated? ＋
Yes, PKO BP offers the IKO app — one of the most popular banking apps in Poland. Available on iOS and Android, it is highly rated (4.7/5 on the App Store). Features include BLIK payments, transfers, card and deposit management.