PKO Bank Polski
First-time expats
Students
Extensive ATM access
PESEL application
6/10
Expat-Friendliness Score
PKO Bank Polski is Poland's largest and oldest bank, government-backed and highly stable. It's ideal for first-time expats who need extensive ATM access and the security of a major institution. The bank offers a unique service where you can apply for both a bank account and PESEL number simultaneously, which is invaluable for newcomers. While the mobile app is dated and branches can be crowded, the free basic account and massive ATM network make it a solid choice for students and those on a budget.
Fees & Costs
- Personal Account
- 0 PLN
- Business Account
- 15-50 PLN/month
Requirements
- PESEL Required
- Recommended
- Online Opening
- Branch Only
- Opening Time
- 1-2 days (in branch)
Ratings
- English Support
- Mobile App
- ATM Network
- 20,000 ATMs
Contact
- Website
- https://www.pkobp.pl
- Phone Support
- +48 800 302 302
- [email protected]
Pros for Expats
- Largest ATM network in Poland (20,000+ ATMs)
- Most stable, government-backed bank
- 24/7 English phone support available
- Can help with PESEL application process
- Free basic account with no conditions
Cons for Expats
- Crowded branches, long wait times
- Limited English support in smaller branches
- Older, less intuitive mobile app
- No online opening for foreigners
Special Features
- Government-backed stability
- Free basic account
- Can apply for account + PESEL simultaneously
- 24/7 English phone support