Edition: Free personal bank accounts in Poland — what “0 PLN” really means — October 2026Updated every month
Short answer: Top pick in our October 2026 ranking: Revolut — Revolut Standard, scored 10/10. Monthly fee PLN 0; card payments in another currency: 0% up to PLN 5,000 a month, then 1% (Revolut rate). We compared 8 products; data checked 1 October 2026. Second place: Pekao — Konto Przekorzystne (9.8/10).
Free personal bank accounts in Poland — what “0 PLN” really means — October 2026 ranking
Data checked 1 October 2026
Looking for a personal bank account in Poland that genuinely charges nothing to run can be confusing. Many providers advertise "0 PLN" but attach a card fee, a conversion margin on foreign spending, or a bonus that depends on meeting certain conditions.
This comparison lists free personal accounts ranked by Money Shortlist’s published scoring, which already weighs published fees, conditions and transparency. Where a provider does not publish a figure, that gap counts against its score rather than being assumed to be favourable.
The order below is fixed. Read the "why" and "watch out" points for each account, and check the provider’s own terms before relying on any bonus or conversion detail.
Revolut — Revolut Standard
Revolut Standard combines a genuinely free monthly plan with a published, conditionless fee structure.
- Monthly fee
- PLN 0
- Fee if conditions not met
- PLN 0
- Card currency conversion
- 0% up to PLN 5,000 a month, then 1% (Revolut rate)
Why it ranks here
- Monthly fee is PLN 0, and the provider states this applies „bezwarunkowo — „Opłata za subskrypcję: Bezpłatnie” (PDF Opłaty — Standard v3.4.4)”
- No fee applies even if conditions are not met: PLN 0
- Card currency conversion is 0% up to PLN 5,000 a month, then 1% (Revolut rate)
Watch out for
- The conversion rate changes once the monthly threshold in 0% up to PLN 5,000 a month, then 1% (Revolut rate) is passed, so spending patterns affect the actual cost
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
Pekao — Konto Przekorzystne
Konto Przekorzystne pairs a fee-free current account with a time-limited sign-up bonus.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 5
- Sign-up bonus
- up to PLN 300
- Offer ends
- 30 September 2026
- Fee if conditions not met
- PLN 0
- Card currency conversion
- 0% on the Mastercard/Visa Debit FX card (the 1.35% fee does not apply to it)
Fees supplemented from the provider’s fee table: PDF · Promotion terms: PDF
Why it ranks here
- Monthly fee is PLN 0, applied „bezwarunkowo 0 zł za prowadzenie”
- A sign-up bonus of up to PLN 300 is available until 30 September 2026, subject to conditions described as „Zawarcie umowy o Konto Przekorzystne lub Konto Świat Premium z kartą oraz o Pekao24, zalogowanie się do serwisu, wykonanie co najmniej 5 transakcji bezgotówkowych kartą w październiku i listopadzie 2026 r.”
- The dedicated FX card has a conversion rate of 0% on the Mastercard/Visa Debit FX card (the 1.35% fee does not apply to it)
Watch out for
- A separate card fee of PLN 5 applies each month
- The bonus conditions involve logging in and making a minimum number of card transactions; readers should check the provider’s terms for the exact wording in „Zawarcie umowy o Konto Przekorzystne lub Konto Świat Premium z kartą oraz o Pekao24, zalogowanie się do serwisu, wykonanie co najmniej 5 transakcji bezgotówkowych kartą w październiku i listopadzie 2026 r.”
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
Millennium — Konto Millennium 360°
Konto Millennium 360° offers a large sign-up bonus alongside a no-fee account, but the bonus conditions vary by age group.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 11
- Sign-up bonus
- up to PLN 700
- Offer ends
- 27 October 2026
- Fee if conditions not met
- PLN 0
- Card currency conversion
- 0% up to PLN 5,000 a month, then 2% (Visa/Mastercard rate)
Fees supplemented from the provider’s fee table: PDF · Promotion terms: PDF
Why it ranks here
- Monthly fee is PLN 0, applied „bezwarunkowo 0 zł za prowadzenie”
- Sign-up bonus of up to PLN 700 runs until 27 October 2026
- Card currency conversion is 0% up to PLN 5,000 a month, then 2% (Visa/Mastercard rate)
Watch out for
- Card fee is PLN 11 per month
- Bonus conditions differ depending on age and require marketing consent and inflow/payment thresholds, as described in „Otwarcie konta w promocji, wyrażenie zgód marketingowych, spełnienie warunków wpływów i płatności (kwoty zależne od wieku: 18-25 lub 26+), nieodwoływanie zgód i nierozwiązywanie umowy do wypłaty premii.”; check the provider’s terms for the exact figures
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
UniCredit — Konto osobiste UniCredit
Konto osobiste UniCredit has no monthly or card fee and a relatively low conversion margin.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
- Sign-up bonus
- up to PLN 150
- Offer ends
- 30 September 2026
- Fee if conditions not met
- PLN 0
- Card currency conversion
- 0.5% margin (0% for EUR and other listed pairs), interbank rate
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Monthly fee is PLN 0, applied „bezwarunkowo 0 zł (Członkostwo Easy)”
- Card fee is PLN 0
- Currency conversion is 0.5% margin (0% for EUR and other listed pairs), interbank rate
Watch out for
- A sign-up bonus of up to PLN 150 is available until 30 September 2026; readers should confirm current conditions with the provider
Promotion ended . We checked these figures before that date and they may no longer apply — confirm the current terms with the provider. The next edition will re-rank this list.
Alior — Alior Konto
Alior Konto offers a sizeable bonus for new customers but has more conditions attached, and does not publish a currency conversion rate.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 7
- Sign-up bonus
- up to PLN 500
- Offer ends
- 13 October 2026
- Fee if conditions not met
- PLN 0
Fees supplemented from the provider’s fee table: PDF · Promotion terms: PDF
Why it ranks here
- Monthly fee is PLN 0, applied „bezwarunkowo 0 zł za prowadzenie (rachunki od 15.01.2026)”
- Sign-up bonus of up to PLN 500 is available until 13 October 2026
Watch out for
- Card fee is PLN 7 per month
- Bonus eligibility is restricted to new customers without a recent account at the bank and requires a promotional code plus transaction and inflow conditions, as set out in „Nowy klient (brak ROR w Alior w ostatnich 3 lata). Wniosek online (strona, Alior Online/Mobile). Kod promocji PREMIA2026. Zgody marketingowe. Niewypowiedzenie umowy do dnia przekazania nagród. Dla II i III stopnia: 3 transakcje Kartą/BLIK, jednorazowy wpływ min. 1000 zł z innego banku lub konta biznesowego Alior, logowanie do aplikacji mobilnej.”
- No currency conversion rate is published for this account, which counts against its score
Bank Pocztowy — Konto w Porządku
Konto w Porządku is a straightforward no-fee account aimed at an older customer base, with limited published detail on card use abroad.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 7.5
- Fee if conditions not met
- PLN 0
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Monthly fee is PLN 0, applied „bezwarunkowo 0 zł za prowadzenie (od 26 lat)”
Watch out for
- Card fee is PLN 7.5 per month
- The account’s fee-free status is linked to an age condition described in „bezwarunkowo 0 zł za prowadzenie (od 26 lat)”; no currency conversion rate is published, which affects the score
Nest Bank — Nest Konto
Nest Konto has no monthly or card fee but a comparatively high currency conversion cost.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 0
- Fee if conditions not met
- PLN 0
- Card currency conversion
- 4.9%
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Monthly fee is PLN 0, applied „bezwarunkowo 0 zł za prowadzenie”
- Card fee is PLN 0
Watch out for
- Currency conversion is 4.9%, higher than most other accounts in this list
VeloBank — VeloKonto
VeloKonto is fee-free with a modest sign-up bonus, though its currency conversion cost sits in the middle of the group.
- Monthly fee
- PLN 0
- Card fee / month
- PLN 7
- Sign-up bonus
- PLN 100
- Fee if conditions not met
- PLN 0
- Card currency conversion
- 2%
Fees supplemented from the provider’s fee table: PDF
Why it ranks here
- Monthly fee is PLN 0, applied „bezwarunkowo 0 zł za prowadzenie”
- Sign-up bonus is PLN 100
Watch out for
- Card fee is PLN 7 per month
- Currency conversion is 2%; no end date is published for the bonus, so readers should check the provider’s terms
Side by side
| # | Product | Monthly fee | Card fee / month | Sign-up bonus | Offer ends | Score |
|---|---|---|---|---|---|---|
| 1 | Revolut — Revolut Standard | PLN 0 | not disclosed | not disclosed | not disclosed | 10 |
| 2 | Pekao — Konto Przekorzystne | PLN 0 | PLN 5 | up to PLN 300 | 30 September 2026 | 9.8 |
| 3 | Millennium — Konto Millennium 360° | PLN 0 | PLN 11 | up to PLN 700 | 27 October 2026 | 9.5 |
| 4 | UniCredit — Konto osobiste UniCredit | PLN 0 | PLN 0 | up to PLN 150 | 30 September 2026 | 9.2 |
| 5 | Alior — Alior Konto | PLN 0 | PLN 7 | up to PLN 500 | 13 October 2026 | 8.6 |
| 6 | Bank Pocztowy — Konto w Porządku | PLN 0 | PLN 7.5 | not disclosed | not disclosed | 8.6 |
| 7 | Nest Bank — Nest Konto | PLN 0 | PLN 0 | not disclosed | not disclosed | 8.5 |
| 8 | VeloBank — VeloKonto | PLN 0 | PLN 7 | PLN 100 | not disclosed | 8.4 |
How we rate this ranking
Each product gets a score out of 10 from the criteria below. Figures come only from the providers’ published pages; anything we could not confirm counts against the score instead of being guessed. Commission never enters the score.
- 0 PLN without conditions (fee if conditions are not met)40%
- Monthly fee + card fee25%
- Card payments in foreign currency15%
- Known conditions20%
Questions
Does "0 PLN monthly fee" mean the account is completely free?
Not necessarily. Several accounts listed here charge a separate card fee or apply conditions to sign-up bonuses, so the overall cost depends on how the account is used.
Why do some accounts score lower even with no monthly fee?
Scores also reflect whether a provider publishes details such as currency conversion rates. When a provider does not publish a figure, that absence counts against the score rather than being assumed to be favourable.
Are the sign-up bonuses guaranteed?
Bonuses listed here come with conditions set by each provider, such as minimum transactions or account activity, and some have fixed end dates. Readers should check the current terms directly with the provider before expecting a bonus.
This page describes products; it is not financial or investment advice. Check the provider’s current terms before opening an account.
